vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT 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 2020-02-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been requesting in writing amount owed and past payment history. Initial inquiry began in our around XX/XX/XXXX. I have been told over the phone that they would send. I have yet to receive any correspondence. Chase also told me they could not send over in writing the amount owed. Or payment history. I need these documents to continue employment with my current and future employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I owed {$230.00} on a medical loan card. I paid the remainder, they're saying i still owe. I reached out to them to resolve it, my complaint wasn't accepted. Can you please get them to stop calling me and put it in paper. Sincerely yours, XXXX XXXX.Thanks

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 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited my student financial aid check into my Bank of America checking account, at the branch located XXXX XXXX XXXX, XXXX, IL XXXX, on XX/XX/2020. Before depositing my student financial aid check, I asked the bank teller how long will it take my check to clear, as I am a current XXXX XXXX  Customer also, and I can not wait, or have a hole placed on my student aid check. I continued informing the bank teller, I am travelling out of the country and need immediate access to my funds. I also expressed, if my funds will not be made available to me immediately ( within 1-3 days ) by Bank of America, I will deposit my funds into my XXXX Banking Account. The bank teller at Bank of America informed me, that my funds will be available the next day, XX/XX/2020. Later that afternoon, I received an email from Bank of America stating, they were placing a hold on my student financial aid check, and the hold will be released XX/XX/2020, which is a ten day hold, from the date of my deposit. I immediately went into the same Bank of America Branch, explain the situation. I explained how placing a hold, on the whole amount of my deposited funds, violates the Federal Expedited Funds Act, and the Check Clearing for the 21 Century Act. I again explained to the Bank manager at that branch location that, I am traveling out of the country and needed my funds made available to me to purchase my plane tickets. To my dissatisfaction, no one at the Branch office would help me rectify this situation. I also called the Bank of America customer care line, and received the same treatment, as I did at the Branch location, no one would assist me in correcting this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I logged on to my Citi mobile app on XX/XX/XXXX and noticed all three credit cards I have were closed by the bank with no reason or notice given. I called customer service and no one even a supervisor was able to help me with this concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK
State: MA

Complaint narrative:
I signed up for the City National Bank Crystal Infinite Visa in early XX/XX/XXXX. I attempted to close my card on XX/XX/XXXX before the annual fee for the following year posted. I had to call in, and the representative warned me that if the fee already posted to my account they would not refund it. The fee had not yet posted though, so I asked to immediately close my card. City National Bank did not immediately close my card though. They held it open for over a week, charged me the {$400.00} annual fee, then closed it around XX/XX/XXXX. 

Since I had to pay the annual fee anyway, I asked to reopen the card for the second year, but they would not do that either. I've called both the credit card team and my " relationship banker '' several times and have not yet received a resolution. 

I've attached my XXXX statement, which shows it closed on XX/XX/XXXX, the date I called in to close my account. I believe CNB behaved deceptively by holding my account open for an extra week to charge me the non-refundable annual fee. 

Additionally, I tried to change my mailing address on three separate occasions and they never complied leading to all of my statements being sent to a previous address. I'm not even confident they will send a refund check to the right address at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I renctly refinanced and had my original mortgage paid off. I saw after it was paid off and my old escrow was returned to me the original servicer paid two payments to PMI. I called and asked about thia and they said that was normal. However i went bacl and read the docuuments from the original closing. I can't find this charge anywhere if i refinance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been disputing the public record information listed inaccurately on my credit report since XX/XX/2019. I first asked Equifax for a method of verification pertaining to the public records listed on my credit report and they responded by saying the USBK Court XXXX Mississippi XXXX XXXX XXXX, XXXX, MS XXXX verified the bankruptcy and if I had any questions pertaining to that inaccuracy to contact the court. So I did just that. I contacted the court and received a letter dated XX/XX/2019 and I've included that letter to this complaint stating that they did not report, confirm or validate any bankruptcy information to the credit bureaus. I then made a copy of that letter and sent it to Equifax and asked them to delete the public records from my credit reports because I had proof they DID NOT PROPERLY VERIFY AND THEY LIED ABOUT WHO VERIFIED THE REPORT. They didn't validate through any third party consumer, such as XXXX XXXX because that report is placed under a security freeze and NO ONE has  contacted me seeking my approval for any information placed on my consumer file to revealed. Equifax has failed its consumer YET AGAIN. Not only am I victim of their data breach they are continuously reporting UNVALIDATED, INACCURATE information on my credit report. Please DELETE the information from my credit reports immediately and send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: CA

Complaint narrative:
I found accounts are not my the accounts are fraudulent accounts I need help and removed those accounts from my credit file I attach the information about those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: VT

Complaint narrative:
This involves completely new information about a complaint. XX/XX/2109 I opened an XXXX account and went through the steps on the XXXX website to set up autopay. I have documented that autopay information was entered ( bank, routing and account # ). Apparently, autopay never got established. In XX/XX/XXXX XXXX notified Experian that my account was in arrears and my credit rating was reduced. XXXX claims they sent me emails notifying me of amounts due. I have no record of receiving such emails. I have repeatedly asked XXXX to produce copies of the emails. Please see the attached PDF file which I just received. They now state they can not produce copies of the emails, but claim that they were indeed sent to me. In addition they claim they know I opened the emails. They can not produce copies of the emails, but know that they were sent - I must be missing the logic here. Their report to Experian significantly affected my credit rating. Should a reduction in my credit rating be based on a report that the company can not substantiate with records?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: MO

Complaint narrative:
Im a victim of identity theft and I have fraudulent accounts and collections including inquiries on my credit report due to fraud. Ill file a FTC affidavit along with the other documents required to be with it. I read a article on the internet that said equivalent and XXXX is doing it he most but all 3 of my major credit bureaus only took two off from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We were scheduled to reach 78 % LTV on our mortgage in XX/XX/2019, so our PMI should be removed by the company. I called them in XXXX to see what we needed to do and was told that it would automatically take place in a couple of months, but that I should call back and keep on top of it because sometimes they " forget '' to remove it. 

So I called back 2 months later and was told that our Escrow would have to be recalculated to remove it and that it would be done in the next few months and we would be receiving a statement int he mail. 

On XX/XX/XXXX I received our new Escrow statement and the PMI has not been removed. Not only have we been charged {$260.00} in PMI payments that we shouldn't have, we are scheduled to continue paying them through next year. 

I have tried to reach out via phone several times and can never get anyone on the phone - I just sit on hold for over an hour. I have also tried to reach out via email through their website, but I am not getting any answers on when this will be resolved. I spoke with someone today and she can't figure out why it hasn't been removed or how to help me. 

I don't want to have to get a lawyer involved and I'm trying to get this resolved without having to take legal action. Any help from anyone on how to resolve this is appreciated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$680.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied refinance of my current mortgage at Bank of America on XX/XX/2020. The application number is XXXX. I discussed and negotiated with loan officer XXXX XXXX and the timeline as below : XX/XX/2020 : Bank of America run credit report and received FICO score XX/XX/2020 : Bank of America provided loan estimate with no points, 3 % interest rate for 15 year fixed term. 
XX/XX/2020 : Mortgage is conditional approved. There is no loan estimate on conditional approval statement. 
XX/XX/2020 : Received closing disclosure. However there is XXXX points, which is {$5900.00} listed on it. 

Bank of America keep saying this point is always there. However, I never saw this point showing up on any disclosure before XX/XX/XXXX. I would not move forward if I know the loan has points since I would not accept this kind of loan in my whole life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX have all applied unauthorized inquiries to my credit 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 2020-02-28 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: TX

Complaint narrative:
Someone stole my ID and Social Security Card including other personal items, including my computer. They later used my information to obtain Cable at an address that I have never lived, they obtained Cellular services along with a Automobile loan. The following accounts were fraudulently opened in my name and I ask that they be Deleted : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX. 

The following inquiries were also opened in my name : XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DE

Complaint narrative:
XX/XX/20 *Submitted final pay off request to satisfy my loans in full effective XXXX XX/XX/20 *Logged on aes account to see loan balance at XXXX. 
*Money still in checking acct. ( transactions can take 2-3 days ) *Contacted aes to verify payment was complete - they confirmed it was and i would receive pay off letter w/in 30 days. 

XX/XX/20 *Verified funds still in checking account *Called aes - who verified payment had been made and to give it another day or two or contact my bank. 
*Contacted my bank - they show no record of ach or payment transaction / request *Call back to aes - again verifies everything is fine. 
*Mobil Website has no information available - all functionality down due to 'account closed ' status XX/XX/20 *Verified funds still in checking account. 
*Called bank to verify. 
*Called aes to verify payment - Their records show account is satisfied. 

XX/XX/20 *Day 4 - outside 2-3 day ACH *Verified money still in account / bank has no record of request for funds. 

XX/XX/20 *Log onto AES XXXX account balance back, shows overdue account. 
*Called AES XXXX asked to speak to supervisor, They could not provide a supervisor or manager - accountant fielded my call. 
*Accountant suggested 1 ) my account number was wrong but could not explain how i had successfully paid from that same account for the last 10 years - suggested i delete and reenter account due to technical errors on their end - would not elaborate or explain why none of the 3 prior calls had caught it.

2 ) Would not issue a credit for the additional interest incurred.

3 ) Would not submit a letter stating that payment had been submitted before account was overdue.

4 ) Suggested when using the mobile account I force it to open 'web view ' for more detailed information - I found this superfluous as I picked up the phone to speak with 4 separate customer service representatives who failed to notify me of any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TX

Complaint narrative:
Someone stole my ID and Social Security Card including other personal items, including my computer. They later used my information to obtain Cable at an address that I have never lived, they obtained Cellular services along with a Automobile loan. The following accounts were fraudulently opened in my name and I ask that they be Deleted : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX  Opened : XX/XX/XXXX Amount : XXXX XXXXXXXX  Opened : XX/XX/XXXX Amount : XXXX. 

The following inquiries were also opened in my name : XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX   XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/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