vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 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: NJ

Complaint narrative:
XXXX XXXX at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments. 

XXXX XXXX date of last activity is different on each bureau, XXXX is reporting on time payments, each bureau is reporting a different high credit amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Today, XX/XX/XXXX, I checked my credit score, and saw that a XXXX XXXX account had been opened in my name. My score took a gigantic hit. I did not open a XXXX XXXX account. I believe that my father opened an account in my name and used my information to commit fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus and the Creditor has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be removed. Stated below is the account that is in question : CAPITAL ONE XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
My mortgage was purchased by Suntrust Bank in XXXX. I was not given account information in time to make payments for XXXX. The previous bank took bi weekly pmts from my account since I was paid this way. Suntrust would accept my payments then return them after I was told the account would be current. In XXXX I sent 2 payments told it would bring me current then payments were returned. Then I sent XXXX payment in XXXX they were once again returned. Then In XXXX I sent 3 payments that were received on XXXX. I once again spoke to a rep and told them that I would sent another payment which was recieved on XXXX. I was told by the bank rep on XXXX that the account was not fine. Yesterday I received a check back for 1 payment. I am now on the phone with the bank and am being told they are now returning 3 payments back to me!! 

This is extremely frustrating they are ruining my credit. This is unfair that a bank would do this to a consumer that is trying to bring the account current. I feel they want me to foreclose on this property. I have asked the bank to put this is writting to me and they refuse.

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 2021-11-13 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: CA

Complaint narrative:
I have called to have information to be removed that is inaccurate. I have called to have information to be removed that is inaccurate on my report and XXXX XXXX XXXX said they couldn't even find the account. 

This particular one is 6 years old.The account is with XXXX  XXXX XXXX- and they have been reporting it to the credit bureau Equifax as if it were open. 

The account it closed - They are saying the account is passed due and this is incorrect as this account has been closed for 6 years. 

Equifax reported it on XX/XX/2021 as Pays Account as Agreed with 90 day past due. 

How can I still be 90 days past due when the account says pays as agreed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My mortgage servicer does not cooperate with extending an additional six months of forebearance on my mortgage! already on covid 19 forebearance for 18mos. and still struggling to pay my mortgage.i am a XXXX person on social security.have tried many times to ask for additional extention and reps keep denying.under fha regulations people who still need an extention should be granted an additional extention beyond the 18 months if still struggling with mortgage payment! servicer does not want to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: UT

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report and need to update or remove from reporting : XXXX****-Balance {$51.00} XXXX XXXX*-Balance {$14000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$0.00} XXXX Amount : $ XXXX Filed/Reported : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: OR

Complaint narrative:
My identity was stolen in XXXX. 
Discover Card allowed and facilitated this identity theft by not verifying that the applicant was not an impersonator. 
I have disputed this with the creditor, but they have their information mixed up and not accurate and they are misrepresenting the facts. 
Such as they claim that i first contacted them to report the theft on XX/XX/XXXX. 
I have a letter dated XX/XX/XXXX, stating that they deactivated my account due to lost or stolen card and they were going to issue a new card! 
I also have a letter from discover dated XX/XX/XXXX, stating that they have started an investigation for identity theft. 
NOT XX/XX/XXXX as they have also misrepresented. 
Discover states that the investigation was completed on XX/XX/XXXX and that the fraud had been removed. 
I have a letter from Discover dated XX/XX/XXXX. The letter states that upon review of the facts of the case, we determined that unauthorized charges have occurred on the above referenced account. The account has been credited these charges and your valid balance has been transferred to a new account. This is another misrepresentation of facts and Discover also lied because they did not remove ANY charges for anything. 
Discover also states that i contacted them on XX/XX/XXXX and provided additional information that caused them to reverse their decision. I have a letter from Discover dated XX/XX/XXXX that states the account is being investigated pursuant to an allegation that it was established fraudulently without your knowledge or authorization. 
Discover Card has not provided me proof that they have a valid application for credit. And their information is inn accurate concerning their investigations!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
XXXX XXXX continues to discriminate and perform deceptive practices. I've reached out to them multiple times to try to remedy the situation with them but they continue to violate federal law. Persuant to 15 USC 1681c-2 ( A ) a consumer reporting agency shall block the reporting of any information that resulted from alleged identity theft not later than 4 business days after the date of receipt. Pursuant to 15 USC 1692c ( c ) I wrote them to invoke my specified remedy as a consumer and original creditor and demanded them to cease and desist from reporting these fraudulent accounts and they still have not done so. Federal law trumps policy and navy federal does not seem to believe so. I attached my ftc report my identification card and my affidavit of truth under 15 USC 1681c-2 ( A ) the accounts should have been deleted immediately after the receipt of the documentation. I will attach all documentation that I have sent to this company I have made a complaint with the XXXX  and attorney generals office the next will be my lawyer drafting a complaint in federal court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had called Citi credit card services on XX/XX/2021 to convert my Citi Prestige card to Citi XXXX card before my annual fee is due for renewal on XX/XX/2021. During the call, I was assured by the customer service representative that my annual fees for the Prestige card would not need to be paid and if I was charged with the fee, I could call and have it refunded back to me. The product change from XXXX to Rewards+ was completed and the agent said that the new cards would be sent to me. 

XXXX XXXX, I had received the Rewards+ cards and activated them. The XXXX XXXX account was now showing closed on my Accounts Summary page. 

XX/XX/2021, my statement on the Rewards+ card closed and a Membership fee of {$490.00} and two authorized user fees of {$75.00} each was charged to my statement, a total of {$640.00}. 

XX/XX/2021, I called Citi Credit Card services and explained to them that I was charged an annual fee for the Citi Prestige card when my account was already product changed to the Rewards+ card which does not have an annual fee. The agent explained that the fee should not have happened and the agent would create an dispute for me to credit the fee back to my account. 

XX/XX/2021, I saw that the fee of {$490.00} was credited back to my account but the fee for the XXXX authorized users of {$75.00} each, a total of {$150.00} was not credited back. The Rewards+ card does not have an annual fee for authorized users and this fee was from the Citi XXXX account that was already closed. I called back to Citi credit card XXXX and explained the situation. After being placed on hold, the agent informed me that the authorized user fees was non-refundable. I explained to the agent that the fee hit my account for the product, " XXXX '', that was already closed back in XXXX. The fee hit my account in XX/XX/XXXX, after the account was already closed. I asked the agent to close the XXXX authorized user accounts and the agent still explained that the fee would not be refunded regardless of what I do. This does not make sense to me since I product changed my account in XXXX before my annual renewal in XXXX. The XXXX account was already closed before the statement date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I purchased a home in XXXX with an FHA loan which contained a PMI payment of {$100.00}, my amortization document indicated that in XX/XX/XXXX I would reach XXXX XXXX ( 20 % equity ) where my PMI would drop off and beginning on XXXX XX/XX/XXXX my payment would reduce by the {$100.00}. However, throughout my loan I made bi-weekly payments so I reached the 20 % equity in XX/XX/XXXX instead of XXXX and I called to request that my PMI be removed and was told that I would have to pay {$500.00} for an appraisal if I wanted it removed or wait until XXXX and it would automatically drop off, I chose to wait. I called on XXXX XX/XX/XXXX to again request that the PMI be removed and was told that I needed to make the XXXX payment and it would be removed and reflected in my XXXX payment, I made the XXXX payment as requested. I called again on XXXX XXXX to confirm that my XXXX payment would reflect the reduction of the {$100.00} PMI and was told that I need to request that it be removed and that I would have to pay for an appraisal before it could be removed. I have been going around and around to have this removed and have done everything that has been requested and have never missed or been late on any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CA

Complaint narrative:
After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the 30 and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, 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 2021-11-13 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: Total Card, Inc.
State: LA

Complaint narrative:
I had a dispute sent in with Total Visa XX/XX/2021 and also in XX/XX/2021 while in dispute of billing errors total Visa closed and restricted access to my account this is a violation of 15 USC 1666 ( d ) they can not close or restrict my account while in dispute and 15 USC 1666 ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error- Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. 


And for correspondening action to this violation 15 USC 1666 ( e ) states- Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BMO BANK NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On Monday XX/XX/XXXX I noticed two fraudulent charges on my Diners Club account. Reported them and was told my account would be locked and a new card issued. Would have it by Wednesday or Thursday. It never arrived. When I called was told there was a delay in XXXX and that a manager would call me back. At the end of the day when I had not heard from the manager I called again. Was told I should track the cardthough no one had given me a tracking number. I was then supplied with that and when I contacted XXXX  they saidyes, a label was created but that Diners Club had never shipped anything. I called Diners Club again on Friday the XXXX and was told so sorry your card was never made but was going to be made on Friday and the a manager would call back with XXXX info. No call. Called Saturday morning, no card has been made, no explanation, a manager will call when they have some. Asked to speak to the manager and was denied. Tried to get online into my account only to find that I am now locked out of it. I have been on hold for over an hour now. I have been a member since 1999. Always pay in full. This is shameful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
On XX/XX/2021 we obtained euros from our bank ( Commerce Bank, owned by XXXX  XXXX XXXX ) for the purposes of travel. At that time we were charged a rate of {$1.00} for each Euro we purchased. 

When we returned and cashed in the remainder of euros on XX/XX/2021 we were reimbursed at a rate of {$1.00} per euro. 

It's our opinion that that was an inequitable return exchange rate. In addition, they would not accept any coins for exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
I am filing this complaint against GENESIS FS CARD SERVICES, INC.. 

I have been corresponding with this company since XX/XX/2021. 
After numerous correspondence GENESIS FS CARD SERVICES, XXXX has closed my account which is an adverse action and a violation of 12 CFR 1026.13 ( d ) ( 3 ).

After careful study of Title 15 Chapter 41 I was appalled to find out that I had entered into a fraudulent agreement with XXXX XXXX XXXX which is serviced by GENESIS FS CARD SERVICES , INC . 

On XXXX XXXX I sent Notice to GENESIS FS CARD SERVICES, INC. by sending an Affidavit of Revocation of Signature, an Affidavit of Truth, a Cease and Desist, evidence proving the violations commited and a Bill of Particulars as an invoice ( which I have provided as Exhibits ). 
I stipulated that since I was misled by not having previous knowledge of what constitues a complete contract I asked the company to zero out the balance of the account, I asked them to keep my credit line open and pay the positive balance to me as well as the amount in my Bill of Particulars.

The company responded by putting my account in a dispute status where bill payment wasn't due ( which was proper ) and they sent me an Affidavit of Identity theft to send back to them.

When I received their correspondence I instead sent back a Notice of Billing Error and an Affidavit of Identity proving that I am a Natural Person. In the Billing Error I stipulated what documentary evidence is as defined in 15 USC 44. I asked them for clarification and to provide who funded this account as well as what is owed according to their journal and ledger entries. They received this notice on XX/XX/2021. 

XXXX XXXX XXXX XXXX, XXXX responded by removing all reporting from the credit agencies and they closed my account. 

This is an adverse action as codified in 12 CFR 1026.13 ( d ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted a old friend for a loan to build a duplex at my house and they put a fake check in my account that I was not aware of and I thought it was real. Now my account is closed and the person does not answer after taking funds as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CA

Complaint narrative:
After ending my forbearance period I was placed on a three month trial loan modification program. I was to make three on-time payments in which I did starting in XX/XX/XXXX. 
After making XXXX XXXX and XXXX payments I was placed on the loan modification program. The mortgage company then took my XX/XX/XXXX payment and applied it to XX/XX/XXXX payment. I was on forbearance in XX/XX/XXXX. The Mortgage company has now stated that as of XX/XX/XXXX I am 30 days late and as of XX/XX/XXXX I am 60 days late on my Mortgage loan. I would like the 30 and 60 day late reports to be deleted due to Covid-19. Until Covid-19 my mortgage payment was never been late for over 8 years. 
Thank you, XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation