vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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: GA

Complaint narrative:
Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

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 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I reached out IC Systems and XXXX XXXX about a debt that I have no knowledge of. After checking my credit report on XX/XX/2021. I seen the account was opened on XX/XX/2021. The amount is of {$710.00}

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 explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a credit card with Chase on XX/XX/XXXX ; interest rate 27 %. I would never transfer a balance to this account the interest is way too high. Regarding the aforementioned I was very surprise to look at my statement on line and find out that they were charging me a transfer balance interest fee. UPon finally seeing this i called Customer service in XXXX only to be told by several employees of the establishment that I did indeed transfer a balance and although they were unable to find it that they would not cease charging me or return / credit my account. This charge was added o my account and they cant even tell me when they started charging me because it should be when i supposedly transferred a balance. Bottom line it adds up to a nice piece of change. I need that money back, I find it irresponsible not to at least settle, but the entire thing is dishonest and I believe their are others that are being ripped off. Is there a class action suit ; if not could this be a start of one. What can I do to get my hard earned money back. Please help me. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I WENT TO PNC BANK LOCATED ON XXXX XXXX XXXX BECAUSE SOMEONE WITHDREW {$190.00} OUT OF MY BANK ACCOUNT I DID NOT AUTHORIZE IN AUGUST 0F 2021. I DEPOSITED THIS MONEY IN XX/XX/2021. THE BANK MANAGER WAS TO CALL XXXX AND EMAIL THE COMPANY REGARDING THIS TRANSACTION. A PROVISIONAL DEPOSIT WAS GIVEN TO ME. IT HAPPENED AGAIN, I WENT TO THE BANK THREE WEEKS AGO AND THE MANAGER SAID HE WOULD LOOK INTO THIS AND GIVE ME A CALL, I HAVE NOT RECEIVED A CALL. 
I WENT TO XXXX TWICE AND WAS TOLD THEY DID NOT TAKE THE MONEY OUT OF MY ACCOUNT. THE GENERAL MANAGER AT XXXX CONFIRMED THEY DID NOT TAKE THE PAYMENT OF {$190.00}. I WANT PROOF XXXX GOT MY MONEY. I WANT PROOF WHERE MY MONEY WENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I spoke to XXXX at XXXX in reference to my account. I switched my insurance back in XXXX 2021. XXXX was sent all the proper documents to support the cancelation. Months later I received a collection notice stating I owed {$720.00} for an unknown reason. I contacted the collection company as well as XXXX making them aware of my documents and resent the information for correction. 6Months later it's still showing on my credit report. Damaging it!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: U.S. BANCORP
State: NY

Complaint narrative:
I am having a serious issue going on with my credit report. I have been a victim of identity theft. I have tried to work closely with US Bank fraud department for the last 2 years. They are reporting an auto loan with their institution which was opened fraudulently, I signed there affidavits and filed the police reports necessary. and they denied my claim due to dealertrac saying that my correct license was used. 

I explained to US Bank I lost all of my documents while traveling to XXXX XXXX. This account was token out in XXXX New Mexico. A place I have never visited or lived in. 

Their was another account that was opened up with XXXX XXXX XXXX it was another Auto loan as well. In their investigation they came up with a copy of a New Jersey Drivers license with a po box dress in Florida. 

I called New Jersey and was told that New Jersey license with residents residing would only have a New Jersey address listed on the identification. Which tells me this license that was provided to XXXX XXXX was fraudulent. I need help in getting this account removed from my file.

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 2021-10-28 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 60 days late ( XXXX to XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Also, I would like to request your verification of the aforementioned items. If you can not prove the accounts information to be 100 % precise, please correct or update them right away. 

FREEDOM MORTGAGE CORPORATION XXXX Date opened XX/XX/2016 Balance {$120000.00} // Late Opened

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 2021-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX XXXX I submitted minimum of XXXX to jcpenny credit card. I then received an email stating jcpenney did not received my payment for the month of XXXX. 
I then send jcpenney penny proof of my bank statement stating that payment was made to jc penny. I also provided proof of text message sent to me with confirmation number once payment is successful. 
I resubmitted the proof once again to jcpenney credit card on XXXX XXXX. 
On XX/XX/2021, I spoke to XXXX from jcp credit card and put her on 3way with XXXX XXXX  representative. XXXX stated that the XXXX dollars was reverse to XXXX checking account. The representative from chase confirm to XXXX from jc penny credit card that a payment was made to jcpenney on XXXX XXXX and that no payment was reverse back to chase checking account. My minimum payment for this month is XXXX when it should be XXXX and this because jcpenney credit card has this month payment for XXXX dollars plus the missing payment for XXXX of XXXX plus the late fee of XXXX which totals to XXXX dollars. The month of XXXX was paid for.

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 2021-10-28 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: GA

Complaint narrative:
Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

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 2021-10-28 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: GA

Complaint narrative:
Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
Requested they not call after the first and second call. They have continued to call every morning minutes past 8 am and also some nights. Since Im on a second shift time table this repeated interruption has cause loss of sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Collection account - disputed it, it was removed XX/XX/XXXX and was immediately placed back on without proper verification, I disputed several times and asked for an original document with my original signature showing i agreed to do business with this agency and none has been provided after 3 disputes, this has affected my creditworthiness and score and caused me to lose financing and pay higher interest rates. 
it has been removed from the other credit bureaus * the credit bureaus are required to report only 100 % accurate information and to maintain an original document of any account they are reporting. they have violated FCRA and the creditor has verified it as accurate electronically each time it was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Home Loans deliberately has taken down their payment system ahead of the end of the month. They are no longer accepting bank/ACH payments, nor are they accepting debit payments. 

Their representatives do not have a good understanding of what is going on, so they misroute and misadvise users. 

I requested written confirmation of the outage, they refused to provide it. Their solution is to try again on Monday, when all of their other thousands of users will likely be making the same scramble to pay. 

I informed them I was trying to address the issue proactively, and they refused to offer any solution beyond waiting and hoping. Always sound fiscal advice. 

They would not provide any confirmation of the situation that I can leverage in future conversations, despite my request based on previous experience during a home refinance ( that I halted ) where I was explicitly lied to about the details of the refi. 

I do not take this team at their word. I asked for written confirmation, and it was denied. I asked for a recording of the call, as it was being recorded, and I was denied. All they would give me is my loan documentation. And while it outlined my grace period for penalty, it makes no mention of credit referrals or other things Caliber can do that may tangible harm my credit score or other aspects of my financial health. 

This company is terrible, and someone should review their shady business practices, as I'm sure less fortunate consumers are being hurt by them and their deceptive, non-transparent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alpha Recovery Corp
State: AL

Complaint narrative:
company has made repeated calls & have not sent a debt validation letter Stop this company from harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: GA

Complaint narrative:
Collection account - disputed it, it was removed XX/XX/XXXX and was immediately placed back on without proper verification, I disputed several times and asked for an original document with my original signature showing i agreed to do business with this agency and none has been provided after 3 disputes, this has affected my creditworthiness and score and caused me to lose financing and pay higher interest rates. 
it has been removed from the other credit bureaus * the credit bureaus are required to report only 100 % accurate information and to maintain an original document of any account they are reporting. they have violated FCRA and the creditor has verified it as accurate electronically each time it was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
Negative information was entered on my credit report without my knowledge. I was denied my legal right under the FCRA to receive enough information to verify the debt and was denied the legal right to dispute the validity of the debt. I filed a complaint with the credit reporting agency informing them that I had no knowledge of the " alleged '' debt. The company never made contact with me to discuss or sent any type of letter to follow up. they only responded to the credit reporting agency that everything was correct and valid under FCRA. That's not true. The company denied me every legal right to look into it before taking this adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: PNC Bank N.A.
State: VA

Complaint narrative:
XX/XX/2020 {$12000.00} I contacted PNC Bank numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
Planet Home Lending has the second mortgage on my primary property and this matter is in Supreme Court in NYS regarding a foreclosure preceding the institution is trying to commence with. My complaint stems from the Servicer/Lender continuing to provide statements and other letters that are not court documents to the agency thats handling the foreclosure proceeding on my behalf. 

Recently, in a letter dated XX/XX/2021, Planet Home Lending requested proof of insurance for my primary property. The Servicer/Lender is clearly addressing the letter to the Legal Aid XXXX XXXX XXXX , New York instead of my address being XXXX XXXX XXXX XXXX , New York XXXX . Subsequently, the Servicer is well aware of my first mortgage with XXXX  XXXX XXXX requires up-to-date insurance for the property and I do not want to pay for additional insurance through their institution. 

If the Pandemic elevates workers/attorneys from The XXXX XXXX XXXX could be forced to work elsewhere and notices sent to their office may be delayed for an extended time. I am requesting the Servicer/Lender forward all statements and notices to my address. They may provide the bureau with any/all other court briefs. I have attached the requested proof of insurance for their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed these inquiries as fraudulent and Exquifax refuses to remove them XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX 2021 My business cheking account had been hacked and someone illegally withdraw {$4100.00}. I have contacted my bank ( Bank of America ) and filed a claim. Unfortunately they denied my claim

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