vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have tried to contact XXXX to fix a mess up on my credit report since the early part of the year. 

I have sent 2 letters to XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX with no response. I called the company numerous times and keep being told to send letters. I explain I have sent them letters and they claim they have not gotten them even tho 1 was signed for. 

So on my credit report, they have some inaccurate information. 

It shows that I have late payments in XXXX of XXXX and XXXX / XX/XX/XXXX. 

I called XXXX in XXXX XXXX and explained that we were notified that due to covid they were furloughing some workers and we would go on unemployment until work picked back up. I explained to them that unemployment told us that they were understaffed and there was a long wait to start receiving checks. 
I was told that I did not have to worry and because I called in prior to missing a payment that when I started getting the checks I could catch up on payments without being marked as late. I was also told they would mark my account as late due to covid 19. 
So as soon as the checks started coming in around the beginning of XXXX I paid up what was missed. 
I was called to come back to work in XXXX, we worked about 3 weeks and we were again furloughed. In XXXX with the new strain, we were furloughed again when businesses started closing and again I notified them. The person I spoke with again told me that they understood and to make the payment when unemployment started back which I did. 
Then in late XXXX we were furloughed again so I notified them and they said they would mark the account as such. 

So once I was back to work full-time I paid that account off. 

In the comments section, it says account canceled by the creditor, and I don't see how as I continue to use the account. matter fact I have things on that same account that are being paid on. 

I tried to fix this with them several times. I kept getting transferred from one area to another. I finally contacted an attorney and the Mississippi department of banking and the attorney is looking into possible litigation because these payments were late but no fault of my own.

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 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have tried to contact XXXX to fix a mess up on my credit report since the early part of the year. 

I have sent 2 letters to XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX with no response. I called the company numerous times and keep being told to send letters. I explain I have sent them letters and they claim they have not gotten them even tho 1 was signed for. 

So on my credit report, they have some inaccurate information. 

It shows that I have late payments in XXXX of XXXX and XXXX / XX/XX/XXXX. 

I called XXXX in XXXX XXXX and explained that we were notified that due to covid they were furloughing some workers and we would go on unemployment until work picked back up. I explained to them that unemployment told us that they were understaffed and there was a long wait to start receiving checks. 
I was told that I did not have to worry and because I called in prior to missing a payment that when I started getting the checks I could catch up on payments without being marked as late. I was also told they would mark my account as late due to covid 19. 
So as soon as the checks started coming in around the beginning of XXXX I paid up what was missed. 
I was called to come back to work in XXXX, we worked about 3 weeks and we were again furloughed. In XXXX with the new strain, we were furloughed again when businesses started closing and again I notified them. The person I spoke with again told me that they understood and to make the payment when unemployment started back which I did. 
Then in late XXXX we were furloughed again so I notified them and they said they would mark the account as such. 

So once I was back to work full-time I paid that account off. 

In the comments section, it says account canceled by the creditor, and I don't see how as I continue to use the account. matter fact I have things on that same account that are being paid on. 

I tried to fix this with them several times. I kept getting transferred from one area to another. I finally contacted an attorney and the Mississippi department of banking and the attorney is looking into possible litigation because these payments were late but no fault of my own.

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 — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today I received a notice form XXXX credit Bureau that they finished my investigation on the Capital One account on my credit report and nothing was done. I have a lawyer in place to ensure that this wrong gets corrected. This account does not belong to me and according to court documents this account either needs to be deleted from my credit report or the payment status needs to say : not rated and/or bankruptcy. The information that is currently on my report is incorrect and the update that happened today is incorrect and goes against the fair credit act laws. Because of this if this account is not deleted or the correct payment status entered I will seek legal action against XXXX as well as Capital One because I have been denied loans because of this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One Account closed XX/XX/XXXX balance {$260000.00} they say was sent to me by cashiers check via regular mail. no tracking... 

XX/XX/XXXX still no money, No check, no tracking number. Customer service no help. They say " another Team has it '' I'm out {$260000.00}, Unable to pay bills, They can't tell me when I'm going to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I noticed debt on my credit report that is not mine from this company. It is a result of identity theft. I filed a report with the FTC and submitted it and this company still verified this as my debt.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today I received a notice form Transunion credit Bureau that they finished my investigation on the XXXX XXXX account on my credit report and nothing was done. I have a lawyer in place to ensure that this wrong gets corrected. This account does not belong to me and according to court documents this account either needs to be deleted from my credit report or the payment status needs to say : not rated and/or bankruptcy. The information that is currently on my report is incorrect and the update that happened today is incorrect and goes against the fair credit act laws. Because of this if this account is not deleted or the correct payment status entered I will seek legal action against Transunion as well as XXXX XXXX because I have been denied loans because of this incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In XXXX I sent all bureaus letters about info that was wrong on my report. I have not heard from them and need these items removed. This incorrect info is keeping me from being able to take a necessary loan for my grandfather 's long term care and I do not have the time to wait until they get around to completing their investigation. I sent letters in XXXX and still nothing. I just sent certified mail this month so I can track when they get this one but this is ridiculous. These companies are playing with my family 's livelihood right now and I don't need the added stress

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 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
2017 I was victim of identity theft fraud. I solved the issue with police report around 2017 but again this company XXXX is contacting me for this issue and I got a second police report and now the are requesting to file a FTC complaint. 

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 explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to an equitable, timely, accurate, and fair dispute process. The Company is also failing to acknowledge and directly reply to my many inquiries, correspondence, and requests for information on this matter. 

Additionally, no one in the relevant departments has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution, despite multiple requests and unreturned messages. Lastly, I have been refused in my requests to pursue arbitration on this matter, which I believe is my right. 

Also, subsequent to my prior complaint, several actions have been taken that greatly reduce my confidence in Chases process, procedures, and oversight in this matter. To be clear, this complaint pertains to entirely new issues, as Chase, in its recent interactions with me, has made a number of new omissions, misrepresentations, and/or mistruths, apparently in an attempt to uphold its original improper judgment.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I purchased an item online. I selected afterpay. I received a credit inquiry and loan of XXXX dollars from Affirm. I did not authorize this loan. I had no intentions of receiving a loan. I only attempted to split the payments. I reached out to Affirm to request the loan and inquiry be removed. I was denied. I have received a loan from Affirm in the past and I was made aware I would be receiving a loan and the correct steps were followed in the past. This time, Affirm violated my rights and gave me a loan I did not request. I have a inquiry on my credit without my knowledge for a XXXX dollar loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
We requested to have PMI removed from our loan with PennyMac on XX/XX/XXXX. The value of our home has appreciated well beyond the 75 % percent LTV they require. They declined my original request. I submitted a second and third request in XX/XX/XXXX. In order to have PMI deleted, we had to pay a one time {$150.00} fee in XX/XX/XXXX to have a broker opinion appraisal completed. The Broker, XXXX XXXX, who was hired by PennyMac, returned an amount that was 78 % LTV amount which didn't qualify to remove our PMI. On their own documents, the lowest comparable home was {$10000.00} higher than the amount they appraised my home. I had obtained other appraisals and am now refinancing to an apprased amount that is {$55000.00} higher than the amount from the PennyMac appraisal. Pennymac purposefully valued our home lower in order to decline removing the PMI fee from our loan. I obtained multiple broker 's opinions and an appraisal to refinance and all of the appraisals/opinions were on average {$50000.00} higher than the BPO obtained by PennyMac. This is criminal behavior in attempt to keep their customers paying them monthly fees. They made every attempt to misrepresent the value of my home to continue charging me a fee for PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: NY

Complaint narrative:
In XXXX of XXXX, my main source of income went bankrupt due to COVID. I was able to pretty much stay afloat until late fall XXXX and early spring XXXX, when I ran into a bit of trouble. Id applied for a second PPP loan, which was delayed by at least four months because so few loan providers participated in the second round of PPP loans. This caused the banks that *did* participate to be overwhelmed with applicants, slowing everything down. I expected my loan to arrive within a few weeks, like the first loan did, but it took 4 more months. So I experienced a hiccup in income. I contacted you, Citibank, and asked if there might be any payment arrangements that could be made due to COVID, and thankfully, Citibank very graciously worked with me. I got back on track, but then Citi closed my account without explanation. I recently looked at my credit report and was shocked to see that my account was reported as late earlier this year for two months. These are the months when I believe Id communicated a payment arrangement. At no time did any representative indicate that adverse credit reports would accompany the COVID relief that Citibank provided. This feels very fraudulent. You can't offer someone help and not tell them that the account will be simultaneously reported to the credit bureaus. If I'd known this, I would not have accepted the offer of help, especially because I was being responsible! I wrote to Citibank directly to request the same action, but got back a form letter that just said, " the information is correct ''. I believe that Ive paid my account on time for 99.9 percent of the 17 years that Ive been a Citibank customer. I even set up autopay to ensure that I always made my payments. If Ive ever had any other hiccups, its only because I changed my debit card and simply had to update the card on the autopay arrangement. I believe that the late payments should be removed. You can't offer someone help due to COVID difficulties and then penalize them for asking for help.

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 2021-10-29 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: OH

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted the credit bureaus and I have filed a dispute numerous times on fraudulent accounts on my credit file! I have also submitted and FTC report on these accounts! XXXX completed my dispute on XXXX and the dispute # XXXX. The did NOT removed these accounts. I called XXXX on XX/XX/29 and spoke to someone in the fraud department who advise the creditor DO NOT have to provide any proof to say the accounts are validated. They also mention they DO NOT have to follow the FCRA guidelines! The credit bureaus are NOT following their guideline per the FCRA to validate a debt or remove the accounts. They are also not responding in a timely manner. I have ask these bureaus numerous of times to validate this debt is mine and they mention they dont have to and it is my job to validate the debt with the creditor. I also have a recording of the fraud representative from experian telling me this but I cant upload the recording.

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 2021-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted the credit bureaus and I have filed a dispute numerous times on fraudulent accounts on my credit file! I have also submitted and FTC report on these accounts! XXXX completed my dispute on XXXX and the dispute # XXXX. The did NOT removed these accounts. I called XXXX on XX/XX/29 and spoke to someone in the fraud department who advise the creditor DO NOT have to provide any proof to say the accounts are validated. They also mention they DO NOT have to follow the FCRA guidelines! The credit bureaus are NOT following their guideline per the FCRA to validate a debt or remove the accounts. They are also not responding in a timely manner. I have ask these bureaus numerous of times to validate this debt is mine and they mention they dont have to and it is my job to validate the debt with the creditor. I also have a recording of the fraud representative from experian telling me this but I cant upload the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I just refinanced my home loan, the company Caliber Home Loans told me it would be without any money from my pocket. They were supposed to roll over my accrued escrow amount to the new loan so that I could pay my property taxes and home insurance. What they did was use my accrued escrow to lower my mortgage loan amount and thus appear to give me a lower monthly payment on the loan. They only put {$890.00} in my new escrow account and my XXXX taxes are over {$4500.00} thus creating a huge shortage on my account. They indicate that they didn't know my taxes were that amount, but the county in which I live in Florida ( XXXX XXXX ) puts up the proposed tax information early in XXXX and in fact the information was on the County website. The closing of the loan was in XX/XX/XXXX, so all they had to do was look up the correct property taxes for XXXX before disbursing the funds. Now, I will have to pay out of my pocket close to {$5000.00} which include XXXX property taxes and Home Insurance for XXXX. This will obviously create a great financial hardship on me. I was informed that my accrued escrow amount would be rolled over, there was total of more than {$4000.00} in that account. I should not have to pay all this money due to their error and not verifying the correct tax payment for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XXXX I sent all bureaus letters about info that was wrong on my report. I have not heard from them and need these items removed. This incorrect info is keeping me from being able to take a necessary loan for my grandfather 's long term care and I do not have the time to wait until they get around to completing their investigation. I sent letters in XXXX and still nothing. I just sent certified mail this month so I can track when they get this one but this is ridiculous. These companies are playing with my family 's livelihood right now and I don't need the added stress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
JP Morgan Chase is changing the terms of my credit card to include a binding arbitration clause. Unless I reject the agreement by XX/XX/21 all disputes will be resolved by a binding arbitration. If I do not reject the agreement, I will be giving up my right to go to quart and will not be able to take part in any class action lawsuits. In order to reject the agreement, I must notify the bank via a mailed letter to XXXX XXXX XXXX XXXX, DE XXXX. I can not send the rejection electronically or orally.

Company response to consumer: Closed with explanation