vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX XXXX, I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: AZ

Complaint narrative:
I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically XXXX. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XXXX and XXXX. I truly understand why people commit XXXX over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Hi, I have opened up a new HSBC premier checking bank account with following promotion- https : //www.us.hsbc.com/checking-accounts/campaigns/checking-offers/ # premier-checking-details I have opened the account from the landing page of their offer. 
Now, after meeting all terms of the offer, I have not received my bonus. 
I contacted bank and they gave me 2 reasons for not receiving my bonus and both the reasons are not correct - 1. First reason they gave me is that my bank account was not opened from correct web page which is wrong as I opened the account from their promotional page which i mentioned above and if there is technical back end error due to which the promotion was not applied, then I am not responsible for that. 
2. The second reason they gave me is that I had a bank account with HSBC in past 3 years which is incorrect and i have asked for more details around it and the same have not been provided to me. 

I met all conditions of the promotion and deposited more than {$15000.00} dollars in my account through my employer direct deposit. I am getting denied for my bonus for unjustified reasons. Please help me in getting my bonus. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, i submitted a request for mortgage assistance to LoanCare and was advised it was under review. In XXXX XXXX I called and spoke to an agent, XXXX at XXXX and she told me that i was approved for a six month forbearance plan and to not make a XXXX payment and my new payment of XXXX would start in XXXX, XXXX. My loan was current at the time of the call. I paid XXXX on XX/XX/XXXX for my XX/XX/XXXX payment. She said no to make a XXXX payment and in XXXX XXXX i made my new payment and submitted a payment of XXXX. She advised while i was in the forbearance plan there would be no negative credit reporting or late fees. Due to the Covid outbreak the forbearance was extended and on XXXX XXXX I spoke to XXXX at XXXX and she said the forbearance was converted into a Covid forbearance and again assured me there would not be any negative credit reporting. In XX/XX/XXXX i began bringing my account current and by XXXX it was current and on XXXX XXXX I requested the forbearance be cancelled and received and email on XX/XX/XXXX that it was cancelled. On XX/XX/XXXX i pulled my credit report and it shows 11 late payments during that time. I submitted a dispute via the credit reporting agencies and also thru Loancare website. I recd a notification form Loancare stating it was recd. but no resolution. The credit agencies said the sent a dispute and Loancare said the report is correct. Today, XX/XX/XXXX, a spoke to an agent XXXX at XXXX, who said the reporting is correct because i was 30 days past due in XX/XX/XXXX. That is not true, their agent told me not to pay in XXXX. This had ruined my credit and now loancare refuses to repair my credit. These mortgage servicing companies are adding additional stress to homeowners during this stressful times and ruining their credit. I kept notes of everything told to me and now they will not honor the agreement and remove the negative reporting.They also still have me in a forbearance plan even with the email from XX/XX/XXXX advising me that it was cancelled. I am requesting help with repairing my credit and removing the forbearance plan XX/XX/XXXX. Also I repaid the money and my account has been paid in advance for months and they keep sending my documents to complete for a loan modification.These are very deceptive practices. I repaid all monies because they never presented the option of a deferral to me.

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 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Account was dispute it and deleted for inaccuracies and they added it back after fraudulent activity and now theyve put the collection under a different Company to be fraudulent

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 2020-12-02 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: NC

Complaint narrative:
Use of alias names. Not used by me. Someone's error in using my name. 
Repeated information about one account using multiple account numbers. 
Repeated soft inquiries by Auto sales personnel resulting in lowered scores to adversely affect opportunity for purchase at lower cost. Illegal increasing costs.

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 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was surprised to find out that chase had Close my checking account without warning. I was traveling over XXXX holiday 2020. I received a notice on my Chase mobile app that fraudulent activity had been suspected and for me to contact them. I did contact them and the account was made available once more. Then, two days later I received the same notice. I called customer service immediately and she said that my bank was closed. That Chase was not obligated to tell me why it was closed. They would hold my funds for approximately nine days and then send a paper check of any remaining monies to my home address. Upon returning home to XXXX- I went into my branch and spoke to the assistant manager named XXXX . I told him what had happened and also explained that I had purchased using a app. XXXX. I was just simply curious about it, so I downloaded {$2000.00} into a bitcoin account and was notified by XXXX that that particular app did not work in my region. So I put the money back into my Chase account. Thats approximately when my account was frozen the first time. I didnt put two and two together. 
I then downloaded a different bitcoin app, one recommended by a friend and put my money into it. I simply did it to see what it was all about. Within two days I realize this wasnt for me, and returned my money into my checking account. Those are all legal things to do. 
I dont know if it had anything to do with chases decision to close my account But either way I would like for you to investigate. Now I have my retirement and my XXXX check going into an account That is closed. Both of those institutions will move my Payments until XXXX. This means I have nothing to live on for the month of XXXX. Please help My account with chase is Routing number is XXXX My account number is XXXX My name. XXXX XXXX my phone number is XXXX My address is XXXX XXXX XXXX XXXX. 
XXXX co XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank advised me on XX/XX/2020 that they suspected {$2500.00} had been withdrawn from my checking account in Maryland by a man using false ID on XX/XX/2020. I live in Florida and confirmed their suspicions were correct. I have been unable to have these stolen funds returned to me even though PNC has confirmed the identify of the thief to not be me via the false ID used. PNC now said it can take 30 days, contradicting your website which indicates 10 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: LA

Complaint narrative:
On XX/XX/2020 I contacted Penn Credit Corporation via certified mail regarding six violations they have made. The bill they sent me in the mail was in the amount of {$5200.00} therefor I also included a invoice for {$6000.00} based on the violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I made a final payment on my loan on XX/XX/20. This payment has been held in " Funds Held In Suspense '' and has not been applied to my loan. I have now received a late payment notice due the fact they have not posted the payment to the loan. This will probably be reported to the credit agencies. I am due a refund of the excess payment over the remaining amount due and the escrow balance. I have contacted Flagstar Bank at least 5 times and I have been told each time that it would be taken care of. The last time I was told it has been escalated to the highest priority, but nothing has happened. It shouldn't be hard to apply a payment, refund the excess and the escrow balance. Also, you have to sit on hold for a very long time even to get to a so called expert. Somehow, they can send a late payment notice without checking the loan to see that it is actually their fault. Very poor service and they owe me money back. Attached is a copy of the loan payment schedule.

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 2020-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have been reaching out to Bank of America for over at least two months regarding the closing on my savings and checking account with an amount over {$20000.00} and I am not getting a response from the company they wont give me any information regarding the account closure Ive called multiple times talked over 20 people. I asked him whats the status of the closure they cant give me any information. We are currently in a pandemic and this should not be legal for a bank to hold your money hostage for over two months and not give you any information

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 2020-12-02 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have contacted Comenity bank several times about this situation and quite honestly nobody has the skill set to help, I called on XX/XX/20, XX/XX/20 and again today XX/XX/20 the remarkson my account show as " charged off as bad debt '' this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XX/XX/2020, Transunion reported to XXXX XXXX XXXX that my credit score was XXXX. At that time, XXXX  XXXX XXXX was considering closing two of my credit card accounts. 

Ultimately, they did decide to close those accounts, and their letter states that they used that Transunion score " in taking the above action. '' However, by all accounts, including their representatives on the phone, my credit score has never been that low, especially on or around that date. 

In fact, from XX/XX/XXXX XXXX, it was at 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 2020-12-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Rushmore Loan Management never billed me for my mortgage payment. Rushmore became the mortgage servicer after XXXX filed bankruptcy and has been found to have harmed consumers. 
Rushmore Loan Management never entered their name in the foreclosure case ( XXXX City Circuit Court case # XXXX ) Rushmore never put their name in my credit report or XXXX City Land Records, but was involved in the foreclosure action of XX/XX/2020 ; but is not in the court docket. 

I had communication from Rushmore because the Md. Commissioner of Financial Regulation gave me their name. I wrote letters and called but there was no record of my account. 
I received the first billing on XX/XX/2020. After HUD investigated, Rushmore sold the mortgage servicing to XXXX XXXX. Rushmore gave XXXX XXXX a fraudulent Deed of Trust and escrow document. I, the homeowner pay my own property taxes and insurance. It was XXXX that passed the fraudulent documents to Rushmore and now the fraud continues. 
XXXX XXXX is returning my mortgage payments because of fraudulent documentation received from Rushmore. I was billed until XX/XX/2020 and there is no arrears according to their billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I filed multiple disputes with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX my account was sent into over overdraft ( XXXX  ) for a XXXX XXXX order through td bank. Even with a beginning balance of XXXX there shouldn't have been a charge becuase td says they dont charge for under XXXX dollars. This whole time there's XXXX in my savings account that I was told my multiple different customer service reps that I had overdraft protection and it would just pull from my savings. Then on the XXXX, they charged another with XXXX in our checking. How is that allowed. We called later that day and got them reversed and SPECIFICALLY brought up the OD protection, only to be told it wasn't on our account and we have the option to enroll. So we said yes. Only to have XXXX more dollars taken out in over draft the XXXX. When that XXXX dollars was taken out, there was around XXXX dollars in the account and no charges. So we called again, only to be told we dont have overdraft protection, and then we had to speak to a supervisor becuase the rep we spoke to kept telling us the same thing we've just been told 3 days ago. The supervisor then goes on to get in a screaming match with us and refuses to listen to what we had to say, regardless if they were what her employees told us or not.XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
FCRA Violation. XXXX XXXX Why is this information verified as accurate deleted and they left 5 remaining on my account that does not belong to me? Explain. See document attached -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- - ADDRESS DOES NOT BELONG TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 < -- -- 5 ACCOUNT REMAINING ON MY REPORT DOES NOT BELONG TO ME!

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 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: GA

Complaint narrative:
My mortgage servicer, Arvest Central Mortgage, claims in its most recent statement that I owe {$4400.00} in " XXXX XXXX XXXXt - XXXX XXXX  '' taxes. After speaking with multiple people at Arvest without a resolution, I am filing this complaint. 

I contest that I do not owe these taxes, or a small fraction of them if anything. After speaking with the first Arvest Central Mortgage representative, I called the XXXX XXXX Tax Commissioner who said that I did not owe any XXXX  taxes in XXXX, and that there were no XXXX  tax bills for XXXX ( Arvest claims that the estimated {$4400.00} bill is for XXXX ). 

Looking at all the available XXXX  tax bills for the other units in my condo building, only two appear : parcel numbers XXXX and XXXX. Both owners of these parcels are XXXX XXXX XXXX XXXX XXXX XXXX. NEITHER is me. When you total both XXXX XXXX  tax bills for these two parcels, which again NEITHER ARE MINE, the total is {$4300.00}. Approximately what Arvest is claiming I owe in XXXX  taxes, when I am NOT the owner of these parcels. 

Since my unit is a single condo unit ( # XXXX XXXX in a large complex with both condo owners and renters from XXXX XXXX XXXX XXXX XXXX XXXX, I suspect Arvest has negligently applied the taxes that XXXX XXXX XXXX XXXX XXXX XXXX owes for the master parcel to me. This is grossly negligent, illegal, and predatory. 

As further proof that I owe going forward no, or perhaps very little in taxes, I have attached a photo from my closing documents showing that the prorated XXXX  fees from XX/XX/XXXX until XX/XX/XXXX were XXXX. I believe under the XXXX agreement XXXX XXXX XXXX XXXX XXXX XXXX is paying all such taxes, but if not, I clearly do not owe {$4400.00}. To assume so, as again Arvest has negligently done, my XXXX  taxes would have gone up XXXX IN XXXX YEAR. 

Frankly this error should have never occurred as I own neither parcel number that the XXXX  taxes were attributed to. Also since I received no XXXX  tax bill for XXXX why would Arvest have assumed my tax bill would be {$4300.00} in XXXX? 

It is also worth noting that this tax was " discovered '' by Arvest after I filed a complaint with the CFPB a few days prior in late XXXX. I was correct in that complaint that Arvest illegally and wrongly charged me and many other individuals an erroneous " fax fee ''. I believe Arvest 's repeated pattern in a matter of 10 days of consistent and egregious errors in regards to my account should cause the CFPB to closely investigate Arvest 's practices. It also unfortunately makes me wonder whether or not Arvest illegally tried to take revenge on me by filing the previous complaint by wrongly claiming that I owe the {$4300.00} in XXXX  taxes.

Company response to consumer: Closed with explanation