vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: TX

Complaint narrative:
I have been battling with Experian to be honest and fair with scoring and they have the same data that XXXX and XXXX  and yet they have not changed score even though I get emails saying scores have jumped which copy. They have not changed score since XXXX. XXXX  has me at XXXX and XXXX has me at XXXX and Experian me at XXXX. That is too much of a gap to say theyare being fair. I believe they are doing this for I file justified complaints and all they do and say they are investigating and need another 30 days. They send out that they can not adjust score and that is hard to believe when it is clearly a error on their part and they do not want to fix and they clearly violate the Fair Credit Reporting Act.

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 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: AL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me 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 2021-04-06 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: TX

Complaint narrative:
The have sent letters to bureaus 2 times and I haven't receive a response. This crazy they can do this. Im not even being notified of the results of my disputes. It has been over 60 days and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My unemployment account was locked for ten weeks its been released and cleared and BOA i is still rejecting my direct deposits its now been 5 days they are still rejecting deposits!!!! my districts legislators have emailed and called then still nothing also unemployment has also been in cl tact still nothing I need Myl money Ive also got bills backed up!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient - incorrectly reporting student loans as late per credit car a - I have filed a dispute but in the meant time my credit score is plunging! Navient has the same account numbers for my unsubsidized loans and has mis applied payments in the past. In addition I requested a forbearance on XX/XX/2020 and They are now reporting loans as late that are protected by Covid 19 rules. I have also requested that all communications be in writing and send but USPS to my physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Kohls cashier asked me multiple questions after I asked if she could look up a basic rewards card, like at a supermarket. Was asked for all sorts of information and as it turns out, I was signed up for a credit card Without knowing. Occurred today XX/XX/XXXX. Kohls location XXXX. The store is aware. They said it happens all the time and they couldnt figure out how this one cashier was signing up so many people. Fraud. They said the way the card offer is presented is misleading. I called the toll free number on the form they gave me later this evening and asked them to reverse the credit application. They were giving me a hard time about it. Very difficult to cancel. Interest rate of 25 percent. Returned the goods of about {$50.00} and closed the account. Store cashier Totally misrepresented her actions and credit department didnt agree it was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 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: TX

Complaint narrative:
The have sent letters to bureaus 2 times and I haven't receive a response. This crazy they can do this. Im not even being notified of the results of my disputes. It has been over 60 days and no response.

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 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My loan was transferred to Shellpointe as of XX/XX/XXXX. I have received no welcome letter or email as of today XX/XX/XXXX. This evening I received a call from the company. The call started off with the agent telling me they are a debt collector. I said I have never been late. I was told that my payment was due on XX/XX/XXXX and I am late. I responded that I have not received a loan number, any place to send the payment. So how can I be late if they havent provided me a method of payment. This wasnt a welcome call. It was a harassment call. The agent then proceeded to rattle off my loan information without asking if I even had paper and pen ready to write the information down. I have perfect credit. This company is already causing me stress and have had my loan for less than a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I started the loan refinance process with Citibank 1 year ago and unfortunately am still not receiving an appropriate level of service from XXXX XXXX and XXXX XXXX. My file was finally cleared as of XX/XX/XXXXwith all required paperwork, almost 12 months after I started the process with Citibank. 

From the very beginning of this refinance process, I have been very clear about my intention to bring money to closing in order to reduce my loan amount and monthly payments. At some point last year, my loan was passed along from XXXX XXXX to XXXX XXXX. Unlike XXXX who was very helpful at the start of the process, it has been very challenging to get hold of XXXX or get adequate support. XXXX did not reach out to me to explain or clarify the details of the closing process. This is an issue because I wanted to bring cash to closing. After 1 year of going through this painful refinance process and finally setting a closing date as XX/XX/XXXX, I am now learning that the loan amount can not be changed without going through underwriting again and further delaying the closing. XXXX blamed and scolded me for not notifying him earlier, when it was clearly mentioned from day one. 

I have spent hours emailing and calling for support, but have not heard back from either XXXX XXXX or XXXX XXXX in a timely manner. Due to the 12-month delay, I have lost thousands of dollars in interest I could have avoided paying. I also lost an opportunity to build additional equity that would have resulted from changing from a 30 year to 15-year fixed mortgage. 

I would like Citibank to reimburse me for the expenses I have incurred during this process, including the fees paid to XXXX XXXX and XXXX XXXX who have not supported me much during this year long process.

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 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
citi bank credit card has taken over the sears credit cards. I recently received my statement informing me that i signed up for a promotional payment plan that was interest free for four years and then interest would accrue. The balance owed is {$2800.00}, they are now charging me {$5400.00} in interest. When i called them about it, they were unable to supply me with proof that i signed for this promotional program. I have never signed up for these promotional programs for this very reason. I have been warned for years when i started my credit history against these types of programs. The interest is almost a 100 % charge. I demand proof of my signing for this type of program and have the interest removed from my account. As i am now attempting to cosign for my child 's student loans this will severely have negative affects on my credit rating as the balance on this card is exceeded by more than two thousand dollars.

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 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bank will not remove PMI from my mortgage account despite their own internal documents demonstrating I am and have been below 80 % LTV. When asked to remove PMI they stated their investor required being between 78 % to 80 % to remove PMI, contrary to statute. Despite numerous attempts to remove PMI from my account since XX/XX/XXXX, a follow up in XX/XX/XXXX ( at which time we were told we were below 80 % ), and again in XXXX PNC Bank has repeatedly refused to remove PMI. Further I am only permitted to speak with a Mortgage Specialist and members of their customer care teams, not with members of their PMI Department. On the evening of XX/XX/XXXX I was informed my case would be closed. However I requested this to remain open because my concerns were not addressed and requested to speak to a manager. 

Further they stated in letters sent to our home that we must commit to an appraisal or a BPO for them to even consider removing PMI from our accounts at our cost. 

We are up to date, and have been up to date on our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO BANK HAS FROZEN MY ACCOUNT AND I CANT DEPOSIT OR WITH DRAW FUNDS

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 2021-04-06 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: Informative Research
State: PA

Complaint narrative:
I received an alert that I received an Hard inquiry from " XXXX XXXX  via INFORMATIVE RESEARCH '' XXXX XXXX XXXX XXXX XXXX, CA XXXX " XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I did not apply for any credit from any of the above companies, This inquiry was performed without my consistent or permission. I have not applied for any credit. This is a direct violation of my privacy and rights. There has not been any application or documents that I signed to authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HJ Ventures, LLC
State: AZ

Complaint narrative:
In my youth I made some poor decisions and found myself XXXX in the Arizona XXXX XXXX I am embarrassed of this and it is difficult for me to actually need to use that XXXX as proof I did not obtain the debt I am accused of owing. The debt was obtained at XXXX XXXX I don't know if it was a loan or credit card. In XXXX, a judgment was made against me. I was never served any documents and had no idea I was being pursued for this debt and to this day, it has not appeared on my credit report which tells me they didn't have my correct SS number. In XXXX, the judgement was renewed. My wages were garnished out of my final paycheck with my previous employer. At that time, I contacted an attorney. I paid him to present the facts and proof I could not have obtained the debt while I was incarcerated. It is my belief my brother and sister-in-law used my info and obtained this debt. They have {$80000.00} in judgements and collections against them. I have no negative credit and pay all my debts on time. XXXX XXXX was my attorney and filed with the court a motion to dismiss due to the fact I was never served. The judge denied the motion and accepted the service statement that they served my father with whom I was not living with. I was never served, my father signed an affidavit swearing under oath he was never served either. The attorney said he couldn't file anything else which I could not understand. XXXX XXXX spoke to the attorney at XXXX XXXX XXXX and provided the proof I could not obtain the debt and was told, " Too bad, we have a judgement, he has to pay it ''. I filed a request with the court to allow me to show the proof and dismiss this judgement and was denied. I was not going to pay a debt that has been so over inflated as well and was not my debt. Originally it was for {$2000.00}, and now they are garnishing my wages for {$10000.00}. I am employed with XXXX XXXX  XXXX and as of XX/XX/XXXX, they are garnishing over {$600.00} a month from my check and charging 24 % interest on a debt I never obtained. I have asked XXXX XXXX XXXX for all the original loan documentation, application and signatures and was told it has been destroyed by the original creditor and they don't have any of it. They refuse to give it to me. How do they obtain judgments without proof of the initial debt. I don't know where to turn from here. I have done everything in my power since I was released in XXXX to live on the straight and narrow. I have distanced myself from family and friends who were negative figures in my life. I haven't had so much as a speeding ticket. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
Commonwealth financial are reporting inaccurate and incomplete credit information. I am distressed that they included the wrong information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Caine and Weiner added an account from XXXX Insurance to my credit report. Caine and Weiner violated the FDCPA by not notifying me before placing the debt on my credit report nor giving me the opportunity to dispute the debt or have it validated. I am currently disputing this debt with XXXX and filing legal action against XXXX involving this account that I canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 I received a text from Bank of America asking if I had requested a transfer of {$2000.00}. Within seconds I answered a phone call with the BOA phone # ( XXXX ). The person on the line identified himself as a BOA employee. I did not suspect anything because I recognized the phone number and I just had received the text from BOA. The person advised me that {$3500.00} had been transferred to a XXXX XXXX account and that he would help me get my money bank. He proceeded to give me directions and eventually did XXXX transfers totaling {$3500.00} back to me. He advised me that he would lock my mobile app for 24 hours and he would call me back in 24 hours to verify that the money was back in my account. He called back the same day approximately at the same time, I logged onto the mobile app and discovered that the {$3500.00} was still not in my bank account. The person then advised me that the money was actually transferred to a XXXX account and that we would do the same procedure as the day before. I did another XXXX transfer of {$3500.00} back to " me ''. He advised me again that he would lock my mobile app for 24 hours and call me back to verify that the monies had transferred back to my account. On XX/XX/21 when he failed to call me back at XXXX XXXX. I dialed the phone # XXXX and was advised by BOA that there was no record of a BOA employee contacting me and that I had been scammed. I filed a fraud and scam claim and both were closed not in my favor. I was advised that they would not be reimbursing my {$7000.00}.

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 monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are several inaccurate items on my credit report including bankruptcy which i have a letter from the courts stating they did not provide this information please assisit me in having this removed from my 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 2021-04-06 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: U.S. BANCORP
State: MD

Complaint narrative:
They didnt address the issues of my previous complaint. You cant raise an APR and blame it on the credit bureau. My credit score is over XXXX!! Also, Elan should remove the link to check credit or make it active. I dont need a copy of my report, I need them to stop scamming consumers. This has to be addressed. My next stop is the news. Elan Fiancial is a fraud!!

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 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I paid my auto loan off in full to XXXXBridge Crest, yet the completed payment has not been reported to the credit bureau : XXXX, XXXX, XXXX. Moreover payments have not been reported for the last 2 months, as a result my credit report is reporting false and inaccurate 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 explanation
Consumer complaint received 2021-04-06 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: FL

Complaint narrative:
Equifax is currently Intentionally reporting false Late payment history information for Account number XXXX XXXX XXXX / ( 30 days late XX/XX/XXXX ) I reviewed the latest credit report XX/XX/XXXX. 

On XXXX XXXX I sent certified letter number XXXX to Equifax. ( See attached ) On the date of the initial notification I requested that the account be updated to Paid in full As agreed Never Late. Equifax has refused to update the inaccurate information to date. See Attached.

Company response to consumer: Closed with explanation