vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: MI

Complaint narrative:
I could not get a response after mailing a request in for credit reports ... I tried to do online and it said I had an account it had wrong phone- went to this email Name on file showed XXXX after it closed out- not full hyphenated name!!! Make sure name on file is correct- XXXX and Equifax company keeps switching my name to parts of name or account compromised- online, tried account exists already-? In one spot full hyphenated name show!!! If this is legitimate site then information is being changed for my social security number Remove XXXX I called- no record of account under social use appeared on report -Provide name sources -Errors in name reporting Some systems dont hyphenate so I ask them to close name so it wont seem like last is middle name! 
-PLEASE hyphenate my name!! 
-Dealing with odd things - in home, car etc..cyber theft stalking hacking forgery and more. While I use computer., phone and work crazy activity just today also ... 

Did remove XX/XX/XXXX I Do not have 2 credit cards Disputed XXXX loan type and amounts and XXXX XXXX XXXX loans inaccurate the loans amounts increased! 
I am finding out my info is getting mixed up ... I believe a lot of places are getting hacked ... too many scams I never lived in Texas, Ohio, or California.. I am a Michigan resident all my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
Last year, my husband and I refinanced our house to a 15 year loan. We had a great experience with our loan officer. Then the company Primeres went through a systems update, and that is where the problems started with the our escrow account. When I received my mortgage interest statement for tax purposes, I realized our property taxes were not paid. The day XXXX received the overdue notice for our property taxes ( XXXX XXXX ), I sent the PDF to the escrow department. I followed the exact instructions that were on the website and the same instructions that were said over and over again while on hold trying to talk with someone in customer service. I thought the issue was resolved. Four weeks after I sent the overdue bill, I realized nothing had been paid. I once again talked with a representative and resent the bill. I was assured that it would be taken care of. On XX/XX/XXXX, I received a notice from my local city that said that the lien process was going to be started on my home because the 2020 tax bill was not paid. After talking with my local tax office ( XXXX. XXXX ), I was advised to pay the tax bill immediately even though ALL the funds were in the escrow account. I tried to once again contact the Primeres Escrow department, but after being on hold I was dropped. At this point, I want to control my own Escrow account. I'm filing a complaint because I was threatened with a lien on my house and a deduction in my credit score for something that I was told was being taken care of multiple times. I feel like others might not realize the company is not paying their property taxes, and they could face unanticipated and undeserving consequences.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: OH

Complaint narrative:
1. I received a letter on XX/XX/XXXX from U.S.Bank dated XX/XX/XXXX, it said they will close my account on XX/XX/XXXX ( see attachment ). On the same day ( XXXX ), I received another letter from XXXX XXXX XXXX ( see attachment ). They said my check ( # XXXX, date XX/XX/XXXX ) was returned on XX/XX/XXXX, return reason is NO ACCOUNT. Court charged me {$35.00} extra for service. In order to prevent further penalty, I drove to court to pay by cash $ XXXX original {$85.00} + {$35.00} returned check service fee. I called U.S.Bank XXXX on XX/XX/XXXX, they said my account was closed on XX/XX/XXXX in their system and do not know why I received a letter stating that closing date XX/XX/XXXX. And they refused to pay the {$35.00}. I went to U.S.Bank branch ( XXXX XXXX XXXX XXXX, XXXX. OHXXXX  ) in the afternoon of XX/XX/XXXX to show both letters to banker and manager. The manager said she does not know what happened and can not help.

2. I still have several thousand dollars in my personal account, but they deleted my checking and savings account information in the online banking ( see attachment ). So I can not use my money to pay my credit card. Is this legal to delete customer 's account information without notice? How am I to pay tax? 
3. This is not the only incident and don't know if they are connected. several days prior we were denied a SECOND PPP loan on the grounds we have no history with this same institution ( first was through same bank ). We have business with this bank going back 10 years. The letter that informed us of this was not on blue and red US Bank letterhead, it was a copy ... very wrong. We would like to find out weather or not someone has done this as part of a " Cancel Culture discrimination against XXXX or XXXX XXXX XXXX or 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 2021-03-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I disputed a transaction because I did not receive a full refund for a defective product that I returned to the merchant.

Citibank began investigating and determined that because I had already received a 50 % credit that the dispute was invalid, despite the fact that I had returned a defective product and was told that I would receive a full refund for the product.

This goes on and on all the way until XX/XX/XXXX where I have been told that the dispute can not continue because of a limited time frame, despite the fact I disputed the transaction in good faith in on XX/XX/XXXX and the item was purchased on XX/XX/XXXX.

My funds have been held hostage, I have neither the item nor a full refund. I have been scammed!

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 2021-03-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed items are completely inaccurate and incomplete, and is a very serious error in reporting. Please delete these misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 

Sincerely yours,

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 2021-03-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a phone from XXXX on XX/XX/XXXX. The item received was not what I ordered and I immediately contacted XXXX about this. They told me to return the wrong item I received which I did and have tracking proof of. Then XXXX told me because I returned the wrong item that I will not receive a credit and that I will not receive a refund despite them telling me previously that after 7 days of receipt of the wrong item that I will receive a refund of approximately {$860.00}. 
I contacted citi to file a dispute on XX/XX/XXXX. Despite this quick dispute because I had been deprived of a refund, CITIbank drew this dispute out for months, even past the new year! I have last heard from them on XX/XX/XXXX how the time limit has passed so they can not continue with this dispute despite CITI taking all the time in the world to not get me a resolution. I have returned the incorrect product I received, yet I have been deprived of a refund.

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 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is about Chase Bank and what we believe is their violation of UDAAP, among other errors and issues, in the process of obtaining the mortgage for our home. 

Chase Bank has admitted that they failed to disclose important tax information related to our property. Because of their failure to disclose to us, or update the closing paperwork that they provided to us, regarding how much our mortgage and monthly payments would be we are now being subject to a paying a short of $ XXXX, and they are increasing our monthly payment by over {$700.00}. 

It is important to note here that on multiple calls with Chase they have ADMITTED to having this important information prior to closing, and they admit to failing to disclose this information to us. They never made this information known to us nor did they update any paperwork to reflect a new amount. Thus we closed on a home without Chase providing us with financial information that they had and we needed to make an informed decision. 

The company involved is Chase Bank. 

The people involved are our loan officer from Chase and his supervisor at Chase Bank who admitted to receiving the financial information and failing to provide it to us prior to closing. We also have confirmation of Chase 's failure to disclose this information from the title company, XXXX XXXX, that serviced our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX : Open checking account with SunTrust using promo code XXXX. The terms is " Earn {$200.00} for opening a new SunTrust Essential Checking account. Then, within the first three full months after opening the account, complete at least {$500.00} in Direct Deposits*, per statement cycle, for two consecutive cycles**. '' ** Activity included on a partial statement will not be evaluated. The first 3 full statements will be evaluated for the Direct Deposit qualification. 

I have received 3 statements so far : The first statement is from XX/XX/XXXX to XX/XX/XXXX : In this statement period, I have direct deposited {$1600.00} twice. 
The second statement is from XX/XX/XXXX to XX/XX/XXXX : In this statement period, I have direct deposited {$1600.00} twice. 
The third statement is from XX/XX/XXXX to XX/XX/XXXX : I did not direct deposit in this statement period. 

Based on the above, I fully believe I satisfy the requirement of " within the first three full months after opening the account, complete at least {$500.00} in Direct Deposits*, per statement cycle, for two consecutive cycles**. '' My first and second statement both has direct deposits. 

However, SunTrust claimed that I did not satisfy the requirement by not making any direct deposit in the third statement. This does not make any senses because the offer only requires Direct Deposit for two consecutive cycles within the first three full months. SunTrust disqualifies me for the {$200.00} bonus

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are two accounts which first of all were closed in 2016 AND ARE NOT MINE AND HAVE HAD DOCUMENTATION TO PROVE SUCH!! Funny thing is, Im trying to buy a house now, and all of a sudden the information has the dates being closed 2 years ago and 2 1/2 years ago respectively! This is XXXX and I will be contacting the ombudsman because first theyre not legitimate charges and secondly who in the XXXX  $ & do yall think tou are???

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are two accounts which first of all were closed in 2016 AND ARE NOT MINE AND HAVE HAD DOCUMENTATION TO PROVE SUCH!! Funny thing is, Im trying to buy a house now, and all of a sudden the information has the dates being closed 2 years ago and 2 1/2 years ago respectively! This is XXXX and I will be contacting the ombudsman because first theyre not legitimate charges and secondly who in the XXXX  $ & do yall think tou are???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX  has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX of 2016 and then again in XX/XX/XXXX 2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.

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 2021-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Four Directions Lending LLC
State: TX

Complaint narrative:
Company sent me loan docs to sign. Saying loan was approved. Signed and called them back just to find out the docs they sent me was not legitimate. Apparently they have to wait for approval? Told the guy on the phone that what he did was illegal/fraud, and he needs to cancel everything right now. He proceeded to give an explanation. Scam company. I am changing my bank account information right now. 

I am letting y'all know about this company that is sending false loan docs, lying to people. Westside XXXX needs to close up shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed items are completely inaccurate and incomplete, and is a very serious error in reporting. Please delete these misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 

Sincerely yours,

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 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
I rented an apartment from XXXX for one year. XX/XX/XXXX - XX/XX/XXXX. Upon move out they kept my deposit and charged an additional {$700.00}. I never knew what the charges were for, and when I called the office because I had gotten a notice that it was in collections they would not talk to me. Now IQ Data is reporting as a collection, when it was never validated. I requested for receipts and proof that they did not replace carpet in all units upon move out, and I never received anything. I do not feel the charges are legitimate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I received HSBC letter date XX/XX/XXXX regarding my request to repay my {$3400.00} which they collected. I was under the impression that HSBC legal department reviewed my XXXX loan modification note carefully. Per the loan modification note, all the outstanding fees which incurred due to my property foreclosure and loan modifications were summed as {$620000.00}. The foreclosure processes of my house had started long before the final loan modification was exercised in XXXX, therefore, the related foreclosure fees must have included in my final modified loan amount {$6200.00}. Nowhere within the modification note explained that HSBC could calculate additional/remaining charges of any sorts and billed me at the later time when the loan modification was executed. HSBC attached explanation letter date XX/XX/XXXX was in violation of both own HSBC loan modification note and the lending laws regulating such modifications. HSBC had been trying to collect unknown fees under Outstanding Foreclosure Fees later in XXXX on behalf of its previous processor XXXX long after my final loan modification date in XXXX. Again, the Foreclosure Fees were incurred prior to my final loan modification and must have summed in {$62000.00}. It seems to me that in order to prevent reimbursing my money every single time HSBC has come with a reason to hold this money. I kindly request HSBC to bring this matter to its upper legal management to resolve this issue friendly and reimburse my funds as soon as possible. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX. I opened my first BB & T account on XXXX the XXXX. I have been with XXXX XXXX XXXX XXXX for 15 years and wanted a back that I can use face to face. After depositing {$8000.00}. I had to use XXXX in the app to send my family member {$1000.00}. Once I tried to send the money, BB & T froze my account and will not tell me the reason or provide me a time frame of their investigation. I was laid off and that money was something keeping me afloat. I need that money for housing, food and bills. Could someone help me. 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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have been charged over {$800.00} of overdraft fees. I never enrolled in overdraft protection! I disenrolled and for some reason I am enrolled again. We are in a pandemic and they shouldnt abuse people the way they have been abusing me. Every time my account goes negative I made sure it was positive but I have been charged {$37.00} about more than 25 times and I feel like that is excessive

Company response to consumer: Closed with monetary relief