vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I called Experian to report that I had received a hard inquiry about an SBA loan on XX/XX/21, that I did not apply for. I had no knowledge about this inquiry. The inquiry made my credit drop down. I was told that the inquiry would be removed. I have worked hard to establish good credit. Will my credit score go back 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 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was given ( 2 ) checks to deposit into my checking account. {$20000.00} & {$15000.00}. These checks were written to me by my mother with the same last name. I deposited the {$20000.00} check on XX/XX/21 around XXXX XXXX. I was TOLD that it would be a 2 day hold. I then deposited the {$15000.00} check on Friday XX/XX/21. And again I was told a 2 day hold would be applied. 

HOWEVER, the {$15000.00} check cleared BEFORE the {$20000.00}!! The paying bank shows the {$20000.00} cleared on XX/XX/21, BUT they are still holding my money. I have made several phone calls, most unanswered during business hours and then when I finally get a person all they say is they can not do anything and I need to wait! This is unacceptable ESPECIALLY since the money was taken out of the paying bank the day AFTER I deposited it!! So, now my mothers account is not earning interest and I am not earning interest in my account. I am unable to access the funds for my closing of my house and all Chase bank keeps saying is wait. 

They said that the back office needed to do a rereview!! What was wrong with the first review? Why would they need to do ANY review since the paying bank already sent the money!?!?!? This is not the first time Chase Bank has displayed improper business practices. I have been in contact with their executive office in the past over their jeopardizing my life due to CONTINUOUSLY declining my debit card at gas stations. 

I would like to file a complaint about JP Morgan Chase conducting themselves in an unprofessional manner and having poor business practices and continued prejudice towards me and my accounts and my ability to access MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are a bunch of hard inquiries that I did not apply for those cards or services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
This company has never sent me any information in regards to any debt, the only reason i ever noticed it is because it showed up on my credit report. I have attempted to contact them and request a debt verification letter. they refused on the phone call. This directly violates the F.C.R.A. This company also refuses to verify any information when i contact them and try to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had two accounts with Shellpoint Mortgage Servicing. One for a home and the other for an RV. Both were destroyed in a fire on XX/XX/2020. 
I sent the mortgage company the exact amount of the pay off for both accounts. 
They only used the money to pay off the home. The kept the money intended for the RV in an escrow account and did not apply it to the payoff. 
They then placed a derogatory report on my credit bureau record. This caused my credit score to drop by nearly 100 points. 
This caused my to not be able to rebuild or by a home. 
I have requested the company to remove this derogatory report from my credit bureau record. 

I have submitted a complaint to you before about this. What was the result?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am a XXXX  and found out I was in collections for XXXX. I never received a letter or a phone call from UCB. When I called UCB, my address was wrong so i gave them the correct information to update it in their system. My insurance which is the Department of Veterans Affairs called them XX/XX/2021 and multiple times since then to give them the CORRECT information to bill my claim and to request a update. UCB told me it can take up to 30-45 days, but if my claim was indeed resubmitted electronically my insurance would have received it in three days. I have called once a week to see if my claim has been resubmitted to my insurance and I am told it was. IT is now XX/XX/2021 and my insurance still has not received it. My Insurance and I have called them multiple times giving them the information to resubmit and they have not done their job. When we call to verify the information, the representatives always has it wrong after we has already given them the information previously. Now my insurance may deny the claim because UCB and the providers office who sent me to collections failed to submit my claim to my insurance in a timely manner. This entire bill could have been paid if people did their job correctly. The Department of Veterans Affairs has already told them that they need to write the debt off because I am not liable for their mistakes. UCB employees are rude, shows no empathy and has yet to resolve this. i have talked to multiple employees at UCB and a supervisor and no one is resolving this matter, or giving me accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EUSTIS MORTGAGE CORPORATION
State: TX

Complaint narrative:
I am a XXXX with XXXX XXXX filing this complaint on behalf of my client, the buyer, XXXX and XXXX XXXX. 
We received our executed contract on XX/XX/2021. The Loan officer, XXXX XXXX XXXX, was involved days leading up to the executed contract as expected. Closing was set for XX/XX/2021. The house was a manufactured home that needed to be retrofitted for the appraisal. The seller had limited funds so the retrofit company agreed to be paid at closing from seller, but needed an appraisal done on the property first. We knew this information on date of offer acceptance, XX/XX/2021. The appraisal was not ordered until XX/XX/2021 with no rush order attached. Myself and listing agent XXXX XXXX raised our concerns about this and asked for a rush order. XXXX refused to put in the rush order, saying it was the sellers fault for not having the property retrofitted prior to listing. I tried paying for the rush order myself, only to find out that I couldn't. XXXX would then refuse to speak with the listing agent and put me in the middle of communications. On XX/XX/2021, the appraisal had still not been picked up or scheduled, and the file had still not been worked appropriately, so we had to fire him and move to a different lender. 
XXXX then called me, and asked me why we were going on with a different lender. He had been condescending and rude to me and the listing agent and disrespectful to my clients by talking about them rudely to me. I told him that the appraisal was an issue among the communication and unprofessionalism and he said to me, " Well I will make sure to put all this back on their credit, and good luck closing it. '' and then hung up on me. He then proceeded to email my client with the email and text message that I will attach. 
My client called me crying asking me if he could do anything to them to cancel this deal. She had no concept of what was happening in this loan process and the new loan agent told me that there was still three weeks worth of work when we were set to close within 10 days. 
Please let me know if you need any more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 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:
3 accounts on experian ,2 accounts from jpmcb ,1 account from discover have been in dispute since XX/XX/2020, XXXX and and XXXX have removed the accounts on the basis that they could not verify the accuracy of the accounts, so I would like to know how experian is saying they verified these accounts if the other 2 credit bureaus removed the accounts. where are the documents used to verify these accounts?, what is the name of the person in your company who verified these accounts? what documents did they use to verify them? please provide me with the name of the individual business address and telephone number.

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 2021-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I was offered a loan and I was told to pay some fees and I paid {$150.00} fee for the processing of the loan and they told me that the loan would be approved and that the funds will be available in my account it the more the next morning I gave them my bank routing number information and then all of a sudden they came with now I have to pay an additional XXXX closing cost for closing the loan and that then the funds will be released and they wanted {$600.00} after I had to give them the XXXX he refused to refund my XXXX they said that I would have to wait 30 to 40 business days they wouldnt give me a supervisor they wont give me anything they just pretty much said that I need to pay the XXXX I need to pay the XXXX and I said listen nobody said anything about the XXXX so I want my money immediately and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing on XX/XX/XXXX some accounts that I don't believe have been reporting accurately with the bureaus. I never received a response from them so I redisputed on XX/XX/XXXX and again on XX/XX/XXXX. When I filed my first complaint on XX/XX/XXXX that also included my 4th dispute to the bureaus because in all that time, they have never corresponded with 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 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Calling everyday over and over. Started weeks ago. Sometimes up to 15 times per day. 
This is TOTAL HARRASSMENT. 
They never leave voicemails or texts or if they do leave a voicemail, they say nothing for 15 seconds. 
This is upsetting!!!

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 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc.
State: NJ

Complaint narrative:
On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX, I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with ARS NATIONAL SERVICES INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am currently trying to work with Ally Bank to have my credit fixed. They reported my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments as 30 days late on my credit report. My payment of XXXX is due on the XXXX of every month. My XX/XX/XXXX payment of {$330.00} setup to withdrawal XX/XX/XXXX cleared my account on XX/XX/XXXX, XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX and my XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX. I have since made my XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX. 

I called and disputed the XX/XX/XXXX and XX/XX/XXXX payments on XX/XX/XXXX and they have been corrected. Ally Bank then reported my XX/XX/XXXX payment as 30 days late on my credit report. I called and disputed that on XX/XX/XXXX, when I called to dispute I requested for the correction to be escalated because this is the second month in a row that the late payments have held me back from getting a mortgage. On XX/XX/XXXX I was told that they will escalate and to call back in a week. I called back on XX/XX/XXXX I was told that this was not escalated, but it will be and to call back in a couple days.. When I called back today ( XX/XX/XXXX ) I was told that there is no way to escalate this and I have to wait 45 days. 

Since the bank can not seem to report the payments correctly to the Credit Bureaus I can not get the mortgage I need. With this complaint, I am hoping to get my payments reported correctly and ensure my XXXX payment is not reported as late. 

The attachment has commentary for each transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately and that you verify these belong on my credit file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this dispute. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX AL 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 2021-04-21 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I found my account closed due to inactivity. I still have XXXX points and now its forfeited without my knowledge. Please reimburse the point reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I had a credit card with XXXX  which is under XXXX XXXX XXXX. The account was charged off in XXXX and was assigned to XXXX XXXX. I was offered a settlement in exchange for a pay for deletion. After resolving the settlement of {$830.00} on XX/XX/XXXX, I waited a few months to check my credit report for the deletion only to see the account balance was updated to {$0.00}. Til date, it has not been deleted from my report ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an email from Citi regarding the credit line on my Shop Your Way XXXX had been decreased. The line was decreased from {$20000.00} to {$2000.00}. The letter stated that since I had not used the card in 23 months the decrease was occurring. I did not receive any warning communication that if I didn't use the card the line would be decreased. 
I contacted Shop Your Way MC customer service the morning of XX/XX/XXXX and spoke with XXXX in the Credit Department. She attempted to increase my line back to the original amount of {$20000.00} but the system would only increase the line to {$3000.00}. She said that Citi did not have to notify and they reserved the right to decrease my line at anytime according to my XXXX XXXX. I explained that I do not recall from my original XXXX XXXX signed in XXXX that this was part of the terms. I have requested a copy of my original XXXX to be sent to me. 
I paid off the card several years ago and kept it clear of charges so that I could have the credit available in the event of an emergency. The ability has now been taken away from me. Also, my line being decreased by 90 % will be detrimental to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I sent a letter to LVNV Funding LLC XXXX collection agency XXXX disputing and requesting validation for an account on XX/XX/2021 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that LVNV received the dispute letter on XX/XX/2021. I was not contacted nor was my validation request honored within the 30 day timeframe. Therefore, I sent a follow-up letter on XX/XX/2021, which was received by the collection agency XX/XX/2021, to request removal of this information due to the company failing to respond. 

I finally received a response from LVNV in XXXX, however, it was past the 30 day mark. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. With that being said, I am requesting for LVNV to delete the disputed and unverified accounts.

Company response to consumer: Closed with explanation