vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX has failed to provide me with validation of the below accounts made pursuant to the fair debt collection practices act and fair credit reporting act, along with the corresponding state laws. 

I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Please be aware that any negative remark found On my credit reports ( Experian ) from your company or any company that you represent, for a debt that I do not owe is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, uou must request that all credit reporting agencies delete the entry.

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 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Unauthorized person shown on credit reports for a credit card account. I did not authorize this person. I disputed this information with Experian in 2017 and current report still shows this person as an authorized account holder. This name was recently used as a security question for me to obtain use of a financial database and I was declined because I do not know this person.

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 2021-12-03 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: FL

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

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

XXXX. Identity Theft CXXXX Date of inquiry : XX/XX/2020 This is not mine. 
XXXX. Identity Theft XXXX XXXX XXXXXXXX Account Number : 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 2021-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA

Complaint narrative:
I am a XXXX citizen an I applied to refinance my Reverse Mortgage and discovered that during the moratorium on debt collections in the State of California that XXXX Bank had not only sent my account to collections but both companies XXXX and a XXXX XXXX were both attempting to collect and reporting negatively on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021 my husband and I were scammed we tried to apply for XXXX loan. They were impersanting someone from XXXX XXXX. They didn't give me the loan right away they told me to go buy gift cards from XXXX XXXX  They didn't give me the loan right away they said you need to approve your credit score. two gift cards one for XXXX and XXXX dollars. My bank is wells fargo and we have fought so many times to get my money back. They think I authorized that purchase which they phished me to buy gift cards to get money for me to get this loan.

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 2021-12-03 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: TX

Complaint narrative:
Hello, on XX/XX/2021 I sent inaccuracies on my credit report to the credit bureaus and I still have not received word of results from a single investigation! I truly believe they are ignoring my requests and this is hurting me terribly. Section XXXX ( a ) states failure to investigate items in XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days and I no longer no what to do! These items must be removed immediately or I will file litigation because they are not doing their jobs and operating in a proper organizational manner! I'm at a loss and tried to wait and see if they would get back to me but I can not wait any longer. The bureaus are unwilling to work with me and now I do not believe they have even started an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
This is my second complaint. I thought the first one was resolved, but I went into my account yesterday & I noticed, Loancare took XX/XX/XXXX mortgage payment out of my account on XX/XX/XXXX WITHOUT my permission. I am NOT on an autopay. 

My XXXX payment was already made XXXX, XXXX. My XXXX payment was not due until XX/XX/XXXX. 

The company is LoancareXXXX - # XXXX Attached is the following. 

1 ) my bank statement showing all of my monthly payments. 
2 ) screen shot of Loancares website letting me know that I am up to date and my next payment would be due on XX/XX/XXXX. 
3 ) screen shot of Loancares website now letting me know, my next payment is due XX/XX/XXXX. 
4 ) Loancares payment history. 

If you notice, they reversed some payments and now the dates areXX/XX/XXXXandXX/XX/XXXX. Because they did that, I now have no proof, other than my bank statement, of when the payments were actually made. 

I am beyond stressed and need your help to finally resolve this issue.

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 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX informed me via letter dated XXXX2021, that an alleged debt had been sold to UHG I LLC. UHG I LLC has not sent a deceptive and false letter attempting to collect an alleged debt, yet. The alleged debt has not been verified nor has it been validated. According to XXXX XXXX XXXX XXXX XXXX, the alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by UHG I LLC fall under XXXX XXXX under Article XXXX or XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bmo bank has the mortgage on the home they held the insurance money for the home repairs forced us into foreclosure broke into our home while under construction and removed tools and personal items and changed lock during mandatory foreclosure mandate and after they were informed the previous time they tried and we called the police. The bank agreed to remove the foreclosure fees and legal fees and allow use to reinstate. The bank has not removed the fees and continued to charge use the fees and the foreclosure court date is approaching. We have the funds to pay the missed payments. We have tried to resolve this issue for a year but the bank has still not fixed the situation.

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 2021-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
During the purchase of my home it was never brought to my attention that one of my mortgage was a balloon mortgage and after 15 years the remind amount must be paid in full. In this case the amount due is XXXX I tried numerous time to trying to set up a payment plan. I spoken with a few staff member in regards my concern and they always have the same response. I being in my home over 15 years and prefer not loosing my home due to not having agreement with the lender in places.

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 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
My mortgage transferred from XXXX Bank XXXX Rocket Mortgage as of XXXX XXXX, 2021. The only piece of information I received was a letter from XXXX, notifying me of the transfer along with old and new mortgage numbers with contacts info for each company. 

On XXXX XXXX, 2021, I called Rocket Mortgage as I wanted to set up automatic withdrawal for my monthly mortgage payment and make the payment due as of XX/XX/XXXX. I was informed the loan was in a blackout period, and I would not be able to do anything until Monday, XX/XX/XXXX. I have received no communication from Rocket Mortgage at all. I wonder when I will receive a letter or an email. Probably because they'd like me to default on my payment to collect the late fees. 

During my phone conversation with the Rocket Mortgage rep ( XXXX ), I was told the mortgage transfer process had XXXX steps so I was so lucky I had called in to check on my payment. Then, I was transferred to a 'loan XXXX ' to review my loan to see if he could save me money. I did not ask to be transferred nor did I agree to be transferred. The loan XXXX went through his script, and then asked if he could pull my credit. I said, no. He then tried to talk me into it by saying they save people money and it would be worth it. At that point, I told him there was no way he was pulling my credit, and I was not refinancing under any circumstances. 

This is a corrupt business practice that will take advantage of many trusting folks. I am disgusted by the behavior, to XXXX XXXX of refinancing just to get away from this unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received XXXX payment of {$99.00} due before XXXX/XXXX/2021. Today XXXX/XXXX/2021 I wanted to pay online it showed {$0.00} outstanding and current Balance of {$140.00}. I got confused ( long ago I paid 2 times the same amount but CHASE did not accept that ) and went to CHASE Bank at XXXX XXXX XXXX XXXX # XXXX as near me. I signed XXXX and for XXXX minutes there were No banker to great me or say someone will be with me shortly. I was the only XXXX at # XXXX. Then a Banker XXXX called me I went in her both and gave her my CC and ID as asked. I asked her How Much Do I have to Pay as per my monthly statement as due on XXXX/XXXX/2021. She told me {$99.00}. I told her that CHASE APP is showing XXXX amount, what is the wrong? Then she dig deeper and told me because I returned some merchandise therefore it has gone to XXXX. I asked her " then how much Do I Owe for this bill. and XXXX CHASE XXXX does not mention it, but creating confusion. '' She could not answer me but called her manger. Her XXXX did not Listened and started that CHASE IS CORRECT and what her staff has told me is right. when I wanted to tell my concern going all the way to the Bank to seek a HELP, she very rudely and angrily asked me, " DO YOU WANT ME TO HELP YOU '' I told her " YES ''. Then she again repeated the same sentences about the CHASE AND her staff. BOTH OF THEM DID NOT TELL ME HOW MUCH AMOUNT I HAVE TO PAY BEFORE XXXX/XXXX/2021. and I left the BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have been trying to end my mortgage forebearance program with Citizens Bank since last summer. I have requested, multiple times, including in XXXX with XXXX XXXX in the corporate complaint resolution department, to have the amount in forebearance ( approx {$19000.00} ) added to the end of the existing loan in a non interest bearing account, EXACTLY as described in the attached letter I received from Citizens Bank. That is not what happened. Instead Citizens decided, without my permission, to modify the loan ; they created a XXXX 30 year loan with a much higher monthly payment than I had been paying. I specifically told XXXX XXXX in phone calls on XX/XX/XXXX and XXXX that I absolutely did NOT want to modify the loan..,. I wanted the option they had offered me ( see attached letter ) to add the balance to the end of the XXXX loan! We can not afford to make the new monthly payment I was informed of yesterday. Citizens has been impossible to communicate with and has now not responded to multiple phone calls and emails to the corporate office to resolve this matter. 
In the meantime, I have paid the monthly payment shown in the attached letter, {$1000.00} over the past XXXX months. When I tried to pay that amount on line in XXXX, I could not do that at the Citzens Bank website... I am assuming because they chose to close that loan without my approval. 
I would like to make clear ... my XXXX and I have outstanding credit ratings and have multiple mortgages on rental properties with other banks. We have NEVER been late on any mortgage payment and only want to get back to making our usual mortgage payments with Citizens Bank. We have not had any problems ending the forebearance program with any other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: NJ

Complaint narrative:
American Express has failed to provide me with validation of the below accounts made pursuant to the fair debt collection practices act and fair credit reporting act, along with the corresponding state laws. 

I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

XXXX. American Express Account XXXX : XXXX Please remove it from my credit report. 
XXXX. American Express Account XXXX : XXXX Please remove it from my credit report. 

Please be aware that any negative remark found On my credit reports ( XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, XXXX must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NBT BANCORP INC.
State: CA

Complaint narrative:
I am a XXXX citizen an I applied to refinance my Reverse Mortgage and discovered that during the moratorium on debt collections in the State of California that NBT Bank had not only sent my account to collections but both companies NBT and a XXXX XXXX were both attempting to collect and reporting negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX emailed me a credit card offer XX/XX/2021. Offer said " Open XXXX Mastercard issued by Synchrony Bank & spend $ 300+ w/XXXX within 30 days & receive a {$60.00} statement credit. '' I opened account on XX/XX/2021, was approved instantly by Synchrony & program eligibility for purchases ends XXXXXXXX XXXX. I made a purchase on XX/XX/2021, & called XXXX to insure purchase was applied. They advised I must link credit card to get purchases credit but card wasn't linked. I called back several times to record my complaint that I called Synchrony & they refused 1. -to link card to my XXXX account, 2.-would n't give me card info securely so I could link it, 3.- wouldn't extend 30 day period past XX/XX/XXXX since card won't arrive until mid- XXXX XXXX XXXXwould n't credit my {$130.00} purchase XXXX said bank controls program offer. I had called Synchrony bank on XX/XX/XXXX. I tried to resolve problem with XXXX & Synchrony & was not able to with either. Spoke XXXX last on XX/XX/XXXX & finally got issue recorded & escalated. I don't have Card yetXXXX I feel since Card isn't automatically linked or I can't get card information to link card myself or program time extended, that offer advertisement is deceptive. The Bank is cheating me by curtailing the time that I have to make purchases on new credit card in order to save the {$60.00}. credit, which is a deceptive advertising & trade practice. XXXX is also complicit by not revealing the linking requirement or that bank won't auto link the card to my account & the fact that period starts immediately @ account opening, not after receiving card & that their would be a delay in receiving card. 
Synchrony Bank New card Division is XXXX XXXX XXXX, XXXX, Fl. XXXX, XXXX w/headquarters in XXXX Utah, XXXX www.synchronybank.com . 
XXXX headquarters XXXX XXXX XXXX, XXXX XXXX, Ca., XXXX, XXXX XXXX As remedy, my {$130.00}. purchase on XX/XX/XXXX be applied to program spending minumum & I be given extra time credit for days I don't have possession of card.

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 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My account was frozen on XXXX XXXX. 
I was told that I need to submit my Photo ID and bank statement, in which I submitted. A few days later I received an email stating my account was frozen and I couldnt transfer my funds. 
My complaint is why ask for my personal information and then allow my account to still be frozen. 
I just want to transfer my funds to my account and then they can close or freeze the account. 
Now Im worried my information might get stolen and become a victim of identity theft because I my information wasnt used to unfreeze my account but to permanently freeze my money. 
I still have almost {$600.00} in my account that I desperately need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, on XX/XX/2021 I sent inaccuracies on my credit report to the credit bureaus and I still have not received word of results from a single investigation! I truly believe they are ignoring my requests and this is hurting me terribly. Section 611 ( a ) states failure to investigate items in XXXX  days gives reason to immediately remove those items from my credit report. It has been over 60 days and I no longer no what to do! These items must be removed immediately or I will file litigation because they are not doing their jobs and operating in a proper organizational manner! I'm at a loss and tried to wait and see if they would get back to me but I can not wait any longer. The bureaus are unwilling to work with me and now I do not believe they have even started an investigation.

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 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Bank : USAA Federal Savings Bank, XXXX XXXX TX Summary : USAA is unreasonably keeping my check accounts " locked, '' and is being unresponsive to requests for an explanation of delay, or time to unlock accounts. 

XXXX. On XXXX and XXXX XX/XX/XXXX I reported possible fraud on XXXX of my XXXX check accounts. 

XXXX. I asked USAA if they could place a block on this single account to prevent unauthorized activity. 

XXXX. USAA " locked '' ALL my accounts on or about XXXX XXXX. This despite my needing a different account to transact normal banking. 

XXXX. On XXXX XXXX, all accounts are still locked, and USAA is being unresponsive to requests for assistance. I have no access to my funds, now in multiple accounts. 

XXXX. Attempts to call USAA have failed because I am told the wait time is several hours. On multiple occasions, calls were disconnected. Online chat is unavailable. 

XXXX. Having no access to my funds for this extended period is causing me hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There is an account on my credit report in the name of XXXX XXXXXXXX XXXX with an amount of {$3900.00} balance. This account is being PAID monthly. I wrote the bureau about the reporting and they are still reporting it as a derogatory and XXXX days late in XXXX when I made the payment for XXXX.

Company response to consumer: Closed with explanation