vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX-XXXX  XXXX  XXXX on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXXXX/XX/XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  - XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PENN CREDIT CORPORATIO XXXX Balance {$450.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX Balance {$0.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

BANK OF AMERICA XXXX Balance {$1800.00}

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 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Debt Collection agency is reporting to Consumer Reporting past the 7 year limit. A debt validation letter was sent, Collections agencies response was an itemized debt statement with no indication that the debt was valid or belongs to me. Please remove this debt collection from all 3 bureaus. per FCRA debts must be 100 percent accurate of reporting agency is subject to penalties up to {$1000.00} per violation and losses incurred by false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on CONVERGENT OUTSOURCING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

PROFESSIONAL DEBT was mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

RECEIVABLES PERFORMANCE account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-11-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with XXXX XXXX XXXX XXXX Balance XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent Experian a notarized dispute letter regarding inaccurate personal information back in XXXX and they failed to respond. So I filed a second dispute letter along with a copy of the notarized letter regarding the same issue in XXXX. I requested that one name, one address, and one phone number should be present on my report, and any other personal information than what I put on my notarized letter should be removed immediately. Experian responded by removing the last 4 digits of my postal code, and that was it. Simply put, they ignored my dispute all together and should be held accountable. They completely ignored my letter in XXXX, and chose to ignore my XXXX dispute as well.

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 2021-11-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
On XX/XX/2021 I spoke with a " XXXX '' who was just rude and refused to let me talk numerous amount of times. I had to hang up with XXXX who was " assigned '' my case and called back and got another gentleman. The man tried telling me " I had no credit experience in the creditor world '' because I told him an itemization letter was not validation of debt... He began talking about lawyers and how his company takes people to court and he knows the letter will work then. He insinuated I had no assets for them to come after and so on. I asked were these threats and he continuiously stated no, I said so you're using scare tactics. The conversation escalated and he was supposed to give me a supervisor in which he left me on hold for a long time and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I went to a chase ATM to withdraw {$1000.00}. The machine never disbursed the money. But the money was taken out of my account. I needed the money otherwise I wouldnt have been taking it out. I called customer service and stayed on hold for an hour. Manager of the bank. Told me I have a receive it within five hours. Its going on three days. I still havent heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 48 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Opened Citibank checking account with {$200000.00} because of their {$1500.00} incentive After meeting 2 month requirement I attempted to transfer money out of the Citibank account Was limited to $ XXXX per day so initiated multiple tranfers over multiple days 2 of the Transfers were redeposited back into my CB account ( supposedly because of a CB internal error ) and 3rd one was cancelled due to security alert ( I responded with all requests for information regarding security alert and was informed it was approved ) I have complied with every request but it is clear CB is simply stalling my transfers in order to keep the {$200000.00} in their bank I am also being charged for $ XXXX {$40.00} for transfers that were not completed

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 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Texas workforce commission deposited my unemployment via direct deposits to a XXXX account, ( XXXX XXXX ), in XXXX, Oklahoma that I never opened. T.W.C. says they verified this account and the only thing they can tell me is the phone number, last four of account and routing number. The dates and amounts are XX/XX/XXXX {$8800.00} and XX/XX/XXXX {$7200.00} was deposited to a XXXX account... I am told by Twc the last four numbers on that account is XXXX and the routing number ends in XXXX. I called with twc rep. on three way TWC can hear them telling me that I didn't have an account there and said it was Chime who would have my account. Chime says they did not have one either. I have submitted my driver licences via email to chime as I was asked to do and I get the same response no such account. Twc says I am on my own unless the money comes back to them. Then XXXX says no..then sends me over to Chime... same response, NO account. XXXX number for XXXX and dont have one there they transfer me to chime..they say I dont have an account. Then I am left to call twc again and it just keeps going in a circle. I opened an account with Chime and tried to open a XXXX  but the bank is not local ... ..to see if they could find it.. When I try to sign in from my phone I get a womans account thats not mine. I have the emails if that helps. I have contacted Obudsman for TWC as I was told to do and I just get the XXXX  Run around. 

Blessings

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My unemployment checks were deposited to my Mother 's checking account at BBVA ( now PNC Bank ) for 10 months. I was never able to get to the bank with my mother to add me to the account, so I was not on the account. in XXXX of XX/XX/2021 the bank flagged the deposits and froze my Mothers account. That was understandable, I was not a signer on the account so my money should not have gone into her account. Lesson learned. 
We waited a few months expecting to get the closing balance but it never came. My Mom sat on hold every day on her lunch break for months trying to reach their Enterprise Fraud Department to get some answers as to what we should do. There were a few occasions she actually sat on hold for over 2 hours and spoke to a person who had no idea what was going on, a few CS Reps told her that they had mailed a check to her for the balance, another said the money was sent back to the Unemployment department, one told her she was lying as they claimed she had withdrawn the money herself. 
The date is XX/XX/2021, and still, they are giving her the runaround. Recently, My Mom was contacted ( after filing a complaint herself with CFPB ) by XXXX XXXX from PNC 's " Client Relations '' to figure this out. Well, fast forward a little more than 3 weeks and still, nothing has been done save for a few one-line replies to emails informing My Mother `` We are still researching this concern ''.

I mean what is the problem? Is there anyone who actually accounts for the money these people are for all intents and purposes, stealing from people? It's beyond ridiculous and should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
PHH Mortgage po box XXXX Mt. XXXX NJ XXXX ; XXXX ; Fax XXXX ; www.MortgageQuestions.com AN : XXXX took over from Ocwen Loan Servicing LLC XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX ; XXXX & added more money to my balance this falsifying records. After filing several complaints with your office because XXXX credited the first ( XXXX ) waiver on XX/XX/XXXX but failed to credit my account correctly the {$58000.00} each twice ( 2x on XX/XX/XXXX & XXXX {$110000.00} ). According to the loan modification agreement ( See Ocwen letter dated XX/XX/XXXX, The amount of the Home Affordable Modification Program ( HAMP ) Tier 2 on XX/XX/XXXX, the new unpaid principal balance was {$240000.00} & {$170000.00} was the Deferred Principal balance which at the end I would have a balance of {$66000.00} in XXXX. I was never given the credit. After talking with several representatives namely XXXX, XXXX ID : XXXX & filing a complaint with XXXX XXXX on XX/XX/XXXX, the records was supposedly corrected. It took many hours on the phone & years to get the credit after providing proof of all on time payments from XXXX XXXX  ( See statements XXXX ) Now PHH Mortgage went back to the original Loan from XXXX to {$350000.00} without regards for the 1st Loan Modification from XXXX XXXX XXXX and the 2nd Lian Modification from Ocwen Loan Servicing LLC. Im demanding justice & restitution fir all the stress, anxiety & aggravations. In addition overcharging for late fees before the XXXX of the month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I refinanced an existing mortgage and was given the closing statements that outlined how much money was required to be paid by me for escrow payments ( {$7500.00} ) to Amersave and how much I would be refunded ( $ XXXX ) by my existing mortgage company, XXXX XXXX XXXX. Prior to agreeing to pay the amount at closing, I provided AmeriSave a copy of my mortgage statement showing them that XXXX had ample funds to pay my escrow, however, they required me to pay it anyway. 

I paid it and a few days prior to closing, XXXX paid the escrow on my account and Amerisave 's title company sent a payment as well. The escrow company accepted XXXX ' payment and returned AmeriSave ' payment. After some time had passed, I reached out to AmeriSave to inquire about payment since the escrow was paid by XXXX and I was told that the insurance company would send me a check directly. In time I didn't receive anything so I reached out to both AmeriSave and the insurance company and Amerisave informed me that they were not sure what happened and needed to investigate. Meanwhile, the response I received from the insurance company was that a conference call was held between AmeriSave, the title company and the insurance company and everyone was clear that funds were returned back to AmeriSave.

I then reached out to AmeriSave again and inquired, but attached the email I received from the insurance company sharing the subject matter during the conference call, they said they would get back with me. I have continued to reach out and the last time they responded by email or returned my phone calI I was told that they had been busy with closings, but they needed to have a meeting with their staff that does the financials to determine how come they were so far off. 

I don't understand what is happening, they provided me with a loan that stipulated the conditions of the loan including the cost of the loan. Now it appears they are changing the numbers so not to pay me the monies I paid at closing. This is very suspicious and feels like predatory lending practices. I am over 60 years of age and feel vulnerable and powerless. They owe me money and won't return it. I am making my second mortgage payment on the new loan and still have not been made whole from the closing and don't have a timeline for when this will be resolved. 

I would appreciate any assistance you can provide. 

Thank you. 
XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation