vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My existing Mortgage loan product with Chase Bank, has been modified without my consent. For the last few years my loan with that bank has been reflecting a no Property Tax exclusion because I am rated as XXXX XXXX  XXXX by the VA, which the State of Maryland adheres to. The 100 % VA paperwork was processed through the local County Government and the Bank, where they then removed the Property Taxes from my mortgage monthly and yearly payments. 

Today, XX/XX/2020 is when I entered my bank account online to find that for some reason, which I believe to be fraud, everything has been reset back to reflect Property taxes. I believe this is an attempt to recollect my information concerning my VA 100 % XXXX findings, and further target me and my finances. I am retired military, and I have experienced Identity Theft just a few short years ago as we were at that time still required to use SSN 's. While that has changed since then with government DOD offices issuing new numbers, the VA has not changed the use of SSN 's and of course fraud still does continue there. The government has since also issued me the Credit Monitoring programs that it issues to Identity Theft Victims. 

I believe this latest loan modification is tied to a scam to collect my 100 % XXXX paperwork info again and defraud and target me. Further, the Chase Bank on their telephonic digital warnings have now gone to the collection of Voice and state they can use it. That has fraud written all over it! The collection of my voice is not something I consent to, and I will be changing banks as it currently stands do to this latest of scams. Upon a response to this Banking Complaint, I can provide all the dates, dollar numbers, and paperwork necessary investigate this problem. 

Thank you. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
On XX/XX/2020, TRANSWORLD SYSTEMS add a derogatory mark on my credit reports. TRANSWORLD SYSTEMS did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2020-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: First Choice Lending Services, LLC
State: TN

Complaint narrative:
First Choice Lending Services processed my mortgage with a fraudulent appraiser report. 
They assisted the Seller XXXX XXXX XXXX XXXX XXXX who is also the owner of property and, the real estate company I hired to find my home, the realtor who assisted me, and the closing attorney as well as the mortgage company who services my loan in continued fraud. Due to the appraiser report being completed on a different property other than the one I purchased, I had to move out of the home 4 months after I moved in. Included in the sale was a home warranty that didn't repair or replace the broken water heater that finally went out in XX/XX/2020. I filed a complaint withXX/XX/XXXX-XXXX  and the company responded by saying they hired a FHA Approved Appraiser. However, their appraiser 's report was for the wrong property and failed to disclose major material defects. They inflated my Social Security to approve the loan. My mortgage payment was over half of my net income and I used all my remaining savings to fund the loan. Once I closed on the home the mortgage was turned over to XXXX XXXX XX/XX/XXXX. I have filed a complaint See CFPB XXXX and it was closed and supposedly forwarded to First Choice Lending Services to which I have had no response from. During the closing process the attorney assigned by the realtor closed with additional fraud being created. They allowed the seller to sell the property without a business license, the sellers wife was not present at closing, funds for a inactive homeowners association were paid during closing and never refunded. The list goes on and on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I received a text from my financial institute, telling me that I made a purchase from a department store. I called my bank to dispute the purchase. The bank told me that I needed to call the instatute that approved the payment. I called the number to XXXX, that was listed on the web. The repesenitive listen to my store, then told me that yes, there is some fragilant activity on my account, and they need to save my finacial account. the impersonator then told me to down load a app on my cell phone in order to open up a security app, which I found out later was a XXXX app, that allows one to come in and see everything on your desk top. They then had me to open up my banking account. Explaining that I needed to protect my money, so they needed to transfer my money to a safe area, until they find out what happened, so that the hacker could not get to any more funds. they then asked if I had a cash app or any way to transfer money. they noticed the cash app, and had me open it. they then transfered all of my money from all of my banking accounts into the cash app, then sent it to other institutions, and cards.. by then my son had called me, they told me do not answer, because this would mess up the process, and my money would get lost. My son texted me though and told me that all of his money had dissapeared out of his account. then I knew something was not right. I immediately hung the phone up. I called the bank and they told me that yes, all of my money was transfered They also said that there was nothing they cold do because they are not affiliated with cash appI contacted CASH APP via email. They said that they will get back to me within in ten days, time enough to investigate. At this point, I don't even know if this was cash app that I was emailing, because I think that the XX/XX/XXXX impersonator got all of my information off of my phone and hacked my emails, intercepting my emails. 

I went on my cash app account to see what was going on. the transfers were still there as cashed out. I have not heard anything else as of yet. 

I have a police report, I have reported this matter to the Federal Trade commission. 

I have pics, however, I can not send them right now. My phone will not up load them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
unauthorized inquiries and a late payment that is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
I have been contacting Exeter Finance regarding the account they are reporting on my credit since XX/XX/XXXX. I have given them my name, address, social, date of birth and even the account number reporting on my credit so they can give me debt validation for this account I do not recall openeing and each time I call they tell me they can not locate an account with my information. Even after admitting they can not locate an account for me they continue to report this on my credit which is against FCRA laws. I have disputed this account with them and the bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have not received any response or evidence that this belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Opened checking account with TD Bank branch in XXXX, CT in XXXX of XXXX. Promotion indicated I would receive {$300.00} if I were to have direct deposit over a certain amount within 30 days of opening the account. 

When I asked for a direct deposit form from them with my new checking account numbers they mistakenly gave me the wrong account number and subsequently my first two paychecks in XXXX of XXXX were deposited to the wrong account. After many calls from me they identified and corrected the problem with the deposits and put my paychecks into the correct account but never gave me the {$300.00} because I didn't have direct deposits within 30 days even though this was their mistake that they provided the incorrect account number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I recently sold my home located at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX that had a mortgage secured to it that was serviced by Freedom Mortgage acctXXXX. I am in the process of purchasing a new home & my lender informed me that freedom mortgage reported that I was late on this mortgage in XXXX & XXXX in XXXX. The sale of XXXX property was supposed to close on XX/XX/XXXX but the title company filed to wire the funds to payoff my mortgage at freedom until XXXX meaning that I was late in XXXX, however, I was not late in XXXX & I have documentation from Freedom showing that I made the first half of my XXXX payment on XX/XX/XXXX for XXXX & the second half of it in the amount of XXXX on XX/XX/XXXX, which is also when freedom show it was applied. I have reached out to Freedom to get this rectify with no luck & as a result of their error my credit has drop by about 100 points plus i am being told that with two 30 day mortgage lates in the last 12 months my new VA loan is likely to be denied.

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 2020-12-16 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: CA

Complaint narrative:
I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
will not pay my escrow. loan paid in full. Mortgage was paid off XX/XX/XXXX escrow in the amount of {$XXXX} XXXX has still not been paid as of XX/XX/20

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 2020-12-16 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, ALLY FINANCIAL, XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
citi card is not addressing fraud on my account 1- two unauthorized vacation packages on my credit card were not disputed despite my request to citi 2- a charge by XXXX for XXXX was not taken off my credit card despite the company cancelling the flight. 

citi says they have to go by visa regulations?????? and they are not responsive to me i called citi several times and was told a supervisor would call me and they never did.

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 2020-12-16 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: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Hello Im am XXXX XXXX SLS continues to harass me with incorrect and illegal information on my credit reports. I have called multiple times asking them to report correctly. I have filed multiple times with credit bureau XXXX to correct this they continue this complaint has already been repaired. SLS mortgage company puts late marks on my account ever month. They remove previous months at the end of month and add it to the next month even before due and in forbearance. They purposely dont report my payments to continue to bring my credit down. This is all after I turned them in for slow responses trying to reaffirm my loan. Now they have closed the account. 
I have no late payments on any of my accounts before and after my bankruptcy. 
Please help me correct this so I can refinance in XXXX to get away from this company. My payments are setup for the XXXX of each month due to being XXXX and only paid once a month. They were unwilling to me be my due date a few days. I have include statements with SLS payment when they pull the money. 

SLS mortgage company Account # XXXX 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 2020-12-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX my granddaughter went in to XXXX of XXXX XXXX to test drive a car. We told them that we were preapproved by XXXX and did not need their credit. Without our permission they ran my credit through 4 companies and now my credit report shows 4 hard inquiries for something that I already had approval for. 
When I contacted them they said sorry the financial guy must have made a mistake and not to worry all 4 would show as one for an auto loan. That is not the truth. 
I tried to contact experian and they said I can't dispute this online. I asked the XXXX sales manager and dealer for a letter asking them to remove these inquiries from my records but they have never responded to me. 
My credit report shows poor now and I need this fixed. i have attached the letter that shows my prequalification from XXXX on XX/XX/XXXX and also a list from my credit report that shows the 4 inquiries they ran on XX/XX/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 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
30 days late payment. I've never had late payment and this has to be wrong. This is only reported through XXXX. 

This might be scenario when I was changing the banking info that was setup for automatic payment, and they didn't put it on file. 
I called several times, they said I'm all setup ( they have my acc and routing number on file and they will proceed with the payments each month ). 

After a few months going back and forth, and waiting on hold for 30+ minutes I figure this is not working because the only thing that I was trying to setup is saving my new banking info for automatic payment. 
I kept doing manually payments each month because they couldn't help me and decided to close the account with them. 

XXXX and XXXX they don't have any report for late payments under my credit history reports, which is right. Just recently I start using XXXX and I figure that my credit is not the same. When a called they told me that I have late payment with Synchrony Bank back in 2015. I was shocked. 
Please taka a look and remove it from my credit because it's really hearting my XXXX credit.

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 2020-12-16 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2020, CONVERGENT OUTSOURCI add a derogatory mark on my credit reports. CONVERGENT OUTSOURCI did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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