vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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: OK

Complaint narrative:
I made a dispute about the XXXX XXXX  account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you please 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 2021-11-18 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: OK

Complaint narrative:
I made a dispute about the XXXX XXXX account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have audited and sent BANK OF AMERICA a billing error notice and a cease and desist and I have multiple open unresolved complaints with BANK OF AMERICA through the consumer financial protection bureau.they have just taken adverse action against me by reporting to credit reporting agencies XXXX, XXXX, and XXXX ; that I have not made a payment and that an alleged debt is owed.Pursuant to.12 CFR 1026.13 until a billing error is resolved adverse credit reporting is prohibited.They have fraudulently reported I missed a payment and that a false amount is owed.BANK OF AMERICA now subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of 12 CFR 1026.13. be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. This adverse action will forfeit BANK OF AMERICAS rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold them liable under 15 U.S.Code 1693m for the actual damage caused to I, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to provide required documentary evidence as requested to clarify and revolve the previously addressed billing error. They have not provided the documentary evidence requested pursuant to 15 USC 44 and IRS publication 583 both journal and ledger including any and all accounts made using my intellectual property and signature associated with this account both public and private.They have not provided me a full full disclosure requested pursuant to 15 USC 1681g either.

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 2021-11-18 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I opened a Apple Credit Card back in 2021. I never used the card, couple month ago I found a XXXX $ transaction that I disputed. The credit card company refunded the charge and corrected the balance incompletely. For some reason they left a XXXX $ balance that I have being trying to correct for the last two months, but the credit card company refuses to cooperate. They reported the XXXX $ balance to my credit history as a late payment. By refusing to correct their mistake, the Credit Card Company continues to cause damage to credit history, which as a result creates issues for me the obtain any funding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LoanCare, LLC
State: TX

Complaint narrative:
My mortgage was in forbearance through XX/XX/2021. I was placed on the covid-19 defferal option with a first payment due in XXXX. I made the first payment due after forbearance on XXXX XXXX, XXXX. Today XXXX XXXX, i received a statement showing that the XXXX payment wasn't applied and the XXXX payment due will be for XXXX and XX/XX/2021. This company is very uncoordinated in its response as i also keep getting inundated with calls to contact them to bring the loan current. I've already contacted them, the loan is current, i have made my first payment post forbearance and yet this...

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 2021-11-18 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: CA

Complaint narrative:
A few months ago I started receiving emails from PNC stating that I had an account that was low on funds. I immediately contacted them by telephone to explain that I had no account with them and to please remove my email from the account in question, as these alerts were clearly not applicable to me. Despite repeated attempts to call and email them to stop this practice it has continued on a daily basis. I do not know if someone has stolen my identity and is using my email for a fraudulent account, I really have no idea what is happening here, but PNC is clearly non-responsive to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Both XXXX and TransUnion have acted on a fraudulent report from XXXX XXXX XXXX without performing any due diligence to lower my credit score by about XXXX points. When I called the organizations to dispute the charges, both organizations state they need 30 days to restore my credit even though I have the overwhelming evidence to prove the amount XXXX is stating I owe is fraudulent. It is unethical that the organizations will instantly drop a consumer 's credit score but will not restore it until after they complete their " investigation. '' Further both XXXX and TransUnion are attempting to circumvent the the Federal Fair Credit Reporting Act ( FCRA ) by preventing customers from reporting and providing evidence to dispute fraudulent charges. XXXX does not list the correct phone number for customers to call to dispute the charges. Their listed dispute phone number XXXX does not provide customers a way to speak to an agent. The correct number is XXXX which is hidden. For TransUnion, a customer can easily call in a dispute however they provide no easy way for a customer to submit supporting documentation. They request all evidence to be mailed to them via snail mail like it is the early 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 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Open an account at Chase Bank deposited XXXX  checks XXXX  written directly to me other XXXX  written and payable to my minor children same address as me. Chase closed the account sending me a cashier check for checks payable to me, this wasXX/XX/XXXX Cashier Check # XXXX : as of todays date I've yet to get the money from the other checks deposited was told to bring in my children birth certificate and social security cards my kids don't have an account with Chase when ask to just return the checks I've was inform they had already cleared and I would get the funds in mail. Nothing as of todays date, which isXX/XX/XXXX went into branch and was told to look for it in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: WI

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TX

Complaint narrative:
I sent a customer dispute 60 days ago and have not received a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a customer dispute 60 days ago and have not received a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.

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 2021-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a customer dispute 60 days ago and have not received a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.

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 2021-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've sent several letter in the last 60 days without a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.

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 2021-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've sent several letter in the last 60 days without a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.

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 2021-11-18 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: FL

Complaint narrative:
I call Experian and sent certified Letters and file with FTC explaining to them XXXX XXXX Bill is a fraudulent account. This account dont belong to me at all. XXXX XXXX {$7400.00} balance 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 non-monetary relief
Consumer complaint received 2021-11-18 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 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a previous complaint ( ID XXXX ) concerning Suntrust taking XXXX out of our excrow for forced supplemental flood insurance. I had called more than XXXX times to get specifics and resolve the issue and I took out a supplemental flood policy and provided proof of the additional coverage even though our condo associations master flood policy provides 100 % coverage. I called XX/XX/XXXX, XX/XX/XXXX ( uploaded supplemental policy ), XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told I needed $ XXXX in supplemental coverage, then I didn't needed it, then I needed it and then they took money out ( along with montly letters ). In XXXX I filed complaint with CFPB and then Suntrust sent me a letter dated XX/XX/XXXX that there was an error, we had sufficient flood insurance through our master policy and the money taken from escrow would be refunded ( which it was ). XXXX XXXX, I received a letter dated XX/XX/XXXX that stated we needed $ XXXX in supplemental insurance and that they had taken out forced insurance and took money from escrow a second time! I called on XXXX and this was confirmed. Suntrust had a copy of the letter on file dated XX/XX/XXXX saying the first time was an error and yet they still sent me another letter and took money from escrow! I was told this would be sent to research. I now also got an email that my escrow is being reviewed and I suspect I will soon be notified that my monthly mortgage amount is going up. This is beyond rediculous. Clearly there is a computer glitch somewhere and no one is actually addressing this problem with a permanent solution.

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 2021-11-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This mortgage loan was paid off in XX/XX/2020. 

This was a mortgage on a Co-Op in the state of XXXX XXXX This was not a conventional mortgage. The mortgage company is located in XXXX XXXX. 

I have been trying to resolve the following issues for over a year without success. 


XXXX. I need New Rez to file a correct XXXX Mortgage Satisfaction document with XXXX XXXX clerk ( my name is misspelled ). 

XXXX. I need New Rez to return my original Co-Op XXXX XXXX as required by law XXXX. I need New Rez to send me Correct, Completed Mortgage Satisfaction documents to supply to the XXXX XXXX I am seeking help for these issues as I have had no success in resolving them directly with New Rez Customer Service. 

With out these documents, I can not sell my property. 

Thank you for any assistance you can offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE PUT DISPUTES IN WITH EXPERIAN ABOUT A BANKRUTCY ON PUBLIC RECORD. THIS PERSON HAS SIMLIAR NAME AND LAST XXXX OF SOCIAL AND LIVES IN AZ. IT IS SHOWING UP ON MY CREDIT REPORT. IT NEEDS TO BE DELETED IMMEDIATLEY. I HAVE DISPUTED SEVERAL TIMES WITH NO LUCK.

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 2021-11-18 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:
I was a victim of Identity Theft on XX/XX/2021 I have submitted my Federal Trade Commission report to all three major Bureaus ( Equifax, XXXX, Experience ) to further confirm my status as a victim of Identity Theft due to the EQUIFAX XXXX BREACH. As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to XXXX, XXXX, Mortgages because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oliver Adjustment Company of Kenosha & Racine, Inc
State: WI

Complaint narrative:
On XX/XX/2021, I received a letter dated XX/XX/2021, from Oliver Adjustment company advising me of an attempt to collect a debt for XXXX XXXX XXXX XXXX in the amount of {$1400.00}. ( attached ) On XX/XX/2021, I sent an email to Oliver Adjustment attaching my letter advising them I dispute the debt due to the fact that this matter was settled. I also attached the cancelled check marked " settlement paid in full ''. ( attached ) On XX/XX/2021, I received an email from Oliver Adjustment advising me that they received my email and were awaiting word from their client ( XXXX XXXX XXXX ) re ; clarification of the charges. ( attached ) On XX/XX/2021, I received a phone call from Oliver Adjustment who left a voicemail. I called back, left message. They called back again, I answered and they attempted to collect the debt. ( recorded phone call ). I advised they couldn't do this until they validate the debt. ( pictured attached ) On XX/XX/2021, received a phone call from Oliver Adjustment. They left no voicemail and I was not able to answer in time. ( picture attached ). 

On XX/XX/2021, I received a letter from Oliver Adjustment dated XX/XX/2021, attempting to collect the debt again. ( attached ) Since my disputed letter of XX/XX/2021, I have received no validation of the debt, Just 3 attempts to collect.

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 2021-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
We receive online bill payments that are handled by Fiserv out of Wisconsin. They handle the online bill pay for multiple banks. They put various payees in the same envelopes. So for example, if XXXX companies have the same mailing address, they will put both inside the same envelope even though those XXXX companies XXXX have nothing to do with each other. They are not separated in the envelope. It is XXXX check after another in the envelope and who over is the payee on the first check is how it gets sorted due to the envelope remaining closed until it gets to that individual in XXXX. In which case the receivable individuals are able to see checks for other companies that they are not privy to. We tried calling Fiserv and they said that the online bill payor has that in their terms and conditions. I said, I should then be able to walk into a bank by that justification and look at anyone 's account since we both happen to bank at the same bank at the same address. They said the payor has to opt out. As a result of their business practice confidential information is being shared among individuals that should not have access to it. 

I have pictures of checks included in the same envelopes but don't feel like that would be good to upload. In any case, Fiserv said they do that business practice so it's not like they are denying it.

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