vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-06-29 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
EXPERIAN HAS SUPPLIED INCORRECT DISPUTE ADDRESS XXXX XXXX  XXXX. I WAS INFORMED BY USPS THAT EXPERIAN HAS BEEN NOTIFIED BY USPS THAT XXXX XXXX XXXX IS INCORRECT AND THEY STILL HAVE NOT REMOVED THE INCORRECT ADDRESS FROM THEIR WEBSITE. THIS HAS AFFECTED COUNTLESS CONSUMERS. THIS IS INTERFERING WITH CONSUMERS RIGHTS AND FAILURE TO ALLOW CONSUMERS TO PROPERLY ADDRESS ERRORS AND INACCURATE INFORMATION IN ACCORDANCE WITH FCRA. Experian XXXX. XXXX XXXX XXXX, TX XXXX. THEY ARE PURPOSELY INTERFERING WITH CONSUMERS RIGHTS. THEY HAVE BEEN NOTIFIED AND HAVE NOT FIXED IT AND ARE GUILTY OF LAW VIOLATIONS

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 2020-06-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reported fraudulent accounts to Experian and submitted FTC Identity Theft documentation. Experian continues to furnish a fraudulent XXXX XXXX Account.

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 2020-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
am making additional principal payments, the are still applying interest even though am cuurent on loan. one supervisor stated amount should only applyy as principal reduction. after multiple calls and attempting to pay online, the additional monies are being partially applied to interest although this is to be a simple interest loan with ally financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
in XXXX, after the Corona situation, i reached out to the bank asking if they would allow a break from Mortgage, since my husband was not working at the moment and I was paying more bills. I was offered three months of no payment ( forbearance ). I did not get any documents to sign yet. In XXXX, i received an email from XXXX XXXX and he informed me that i qualify for a re-finance with a lower interest. I was excited to hear that, i said send me the information for review please. he sent me a bunch of numbers, which looked good. I agreed to start the process. He emailed me when he wanted something, and was never really clear as to why my documents stated PMI was being applied. I than reached out to him via phone and no response. When he finally responded, he said that I should be receiving a refund of at least $ XXXX to be sent back to them ( he offered to take care of it personally ) and they will drop the PMI. all the paperwork said I would have a new loan of $ XXXX. I signed off on the documents and I was very hesitant with the minimum information I was receiving from him. The loan officer witnessed my whole conversation with this guy. it has been a month, and I didnt receive any refunds. I called him and no answer, i emailed him and no answer. I called his Boss XXXX XXXX, and he said he will look into it and call me back. A week later, and nothing yet. I got an email this AM and I am being told that the money was credited from my original loan. Now I owe $ XXXX more than what my original loan was?!  No one seems to have an answer for me! No one is returning my call. and I do not have a bill to pay till now! I need help please. I am suffering with this company and I regret every minute I spent with them. Please help me! I should not owe more than what i was told and I should have a refund!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I cl

osed my PNC checking account on the XX/XX/XXXX via telephone and was told that a certified check for all remaining funds ( {$17 000.00} ) should arrive via mail within 2-4 business weeks. On XX/XX/XXXX I called PNC back because I had not received the check. I was told that the issue would be escalated to their customer service team and that I would receive a call from them. 

I received an email and call from XXXX XXXX ( XXXX, XXXX ) of PNC on XX/XX/XXXX. After connecting with XXXX, I was required to fill out an indemnification form, have it notarized, and return to a local PNC branch in order to receive my funds. 

The indemnification form was submitted to the branch on XX/XX/XXXX and I have not received any additional communication from PNC as of today XX/XX/XXXX. 

Seven weeks and counting without receipt of my funds is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me NO billing info. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I found on my credit report this XXXX, a debt in the amount of {$2300.00} from Innovative Recovery. This is prohibiting me from obtaining a dwelling place. The debt is for XXXX XXXX XXXX, a company that was sold years ago, no longer exists, and is under new ownership. I have sent certified letters. I have called. I have sent paperwork, to Innovative Recovery as proof debt was paid to the Court over 7 years ago. They won't sign for the certified letters I send. And they respond rudely to me on the phone. I have had it removed from all Credit Reports with no problem, sending them the same info I sent to the  Collection agency. But, they Continue to try to collect by mail and phone with very threatening words and intimidating tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My debit card was stolen, and someone ran up approximately {$840.00} on it in 1 day. I noticed approximately 24 hours from the first charge, and notified the bank ( CHASE ) immediately. They filed 3 separate claims ( 1 to XXXX, 1 to some place I've never heard of called XXXX XXXX XXXX XXXX XXXX, and 1 to XXXX ) - all used in XXXX, AZ while I have clear evidence which can be substantiated that I was in XXXX, AZ working from home. They initially refunded the money while they investigated, but on XX/XX/XXXX, reversed the refunds. I called them today ( XX/XX/XXXX ) and they stated that " because your PIN was used correctly for the transactions, your claims were denied. '' It is my understanding that, under the Electronic Fund Transfer Act, I am only liable for {$50.00} of the CLEARLY unauthorized charges ( since I reported within 2 days ) and I told that to CHASE claims dept, but they shrugged it off as if they are not bound by that law. The reversals thus far have come out to an amount of {$270.00}. The investigation vs XXXX still seems to be ongoing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tri-Counties Accounts Adjustment Bureau
State: CA

Complaint narrative:
When I first did my research about this case ( that is already affecting my credit ), I decided not to send any complaint ; but right now, I have decided to do all that I need to do to solve this. 

Account Recovery Services is committing so many violations to my consumer rights. I am complaining about the following account : # XXXX, opened date reported : XX/XX/2016, original balance : {$8400.00}. 

Violations of the Fair Credit Reporting Act : - Reporting an incorrect opening date. 
- Missing date of last payment. 
- Failing to register company in the California Secretary of State. 
- Unfair business practices. 
- Negligence. 
- Breach of contract. 

All I am asking is to take this case in serious consideration, and remove the item from my report. 

CFPB : Please take the attached documents to Account Recovery Services. 

Thank you so much.

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 2020-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
For the last year Specialized Loan Servicing is claiming I am behind on my home mortgage payments, however I have checked with my bank and all my payments sent in by checks have been cashed through them. Basically, specialized loan serving is claiming my payments on not on time or being sent in, when the checks have been processed. Now, ai am at a loss of what I can do becuase I have been paying my bills and this compnay has been cashing the checks, so why are they saying I'm not making payments. 

You may email me at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD

Complaint narrative:
Today, XXXX XX/XX/ 2020, Sebonic Financial a company I am currently using to refinance my VA loan via XXXX, requested a credit score without first informing me or asking me to run my credit. They had previously run my credit for the initial application and then when asked about why they ran my credit, informed me via email, You should have been notified. Since it is within 14 days of our initial pull, it doesn't impact the score and it was a mortgage only report and not the full one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2020, We submitted a Mortgage Application with one of USAA Loan representatives. at that time we were told that we were not approved due to XXXX XXXX middle credit score was 2 points less than required. 
Because of the information in the credit history, it is very important to review the credit information that is being furnished to make sure it is accurate, that's exactly what we did and discovered that there was inaccurate information reported on all three credit files. ITEM WAS DEPUTED and removed. 
On XX/XX/2020, we requested and application report to check XXXX XXXX Score to assure a required status. At that time We were told that XXXX XXXX score was not Significant enough to fit the required score to qualify for a Mortgage Loan. 
XXXX did not ask to have a credit application re- pulled because a credit report is good for 90 days. I was told that my middle score was to low. 
On XX/XX/2020 XXXX XXXX middle score was XXXX. 
On XX/XX/2020 XXXX XXXX middle score was XXXX. 
( unexplainable ) One again we were asked to contact at three Credit Agencies. 
We did that and discovered that XXXX had no record of USAA ever inquiring of a credit file. Unexplainable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the ACCOUNTS are not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take settlements. I don't know what else to do so i am finally coming to you guys for some guidance please.

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 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Due to the Coronavirus, I opened an account online with Bank of America. We had moved to a new state and were trying to set up new checking and savings accounts but could not conduct business in-person like we prefer. The application went smoothly and the account was opened. B of A issued a debit card in the mail and I opened online bank and the mobile app. I funded the account with {$100.00} into savings and {$100.00} into checking on XX/XX/XXXX from my other account. I used the mobile app to deposit two checks in the amount of {$400.00} and {$340.00} on XX/XX/XXXX. Shortly thereafter, Bank of America informed me that my account was closed without any real explanation. I visited a branch and learned that there were problems with my ID not being accepted by the automated system. The branch and various chains of management were unable to verify my identity even though I was physically present with two forms of ID. They could not override the account closure and assured me that my deposits would be refunded via a cashier 's check in the mail. They could not cut me a check that day because holds were placed on my deposits. We have visited another branch to check on the status of the cashier 's check. It had been issued as two checks, one for {$100.00} and the other for {$840.00} on XX/XX/XXXX. We received a bank statement showing XXXX balance today ( XX/XX/XXXX ) but have not received the cashier 's check ( s ). Where's the beef? They have also sent me two letters ( XX/XX/XXXX ) informing me that my name may be reported to XXXX XXXX and XXXX XXXX XXXX, and may prevent me from opening new accounts. 

I do not know what recourse we have with Bank of America if we do not receive a refund of our money from an account that they closed in error. B of A is completely unhelpful in-person or over the phone, it's always someone else 's department and " coming in the mail. '' Hopefully, the check arrives soon. Meanwhile, I am submitting this complaint to start the process of recovering {$940.00} more or less bungled/stolen by Bank of America. They approved the account, let us fund it, then some fraud algorithm closed it and the branch managers act helpless while they keep the {$940.00}. This is an unacceptable business model, especially during a health crisis. If they want to scam people, let them scam deep pocketed folks who may not notice and not the mother of XXXX ( including XXXX XXXX children ).

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 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
It actually falls under multiple options. They call my cell phone, my house line, my husbands cell phone, my mothers cell phone my kids under 18 phone numbers all day and night non stop. We have all requested they stop calling. I have even emailed the company telling them to cease and desist all phone calls and to please mail me regarding the debt to settle and close the accounts listed. It doesn't stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 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: MO

Complaint narrative:
what happened is my credit file has been misrepresented due the compromising of my identity being lost or stolen. In addition I was a victim of the XXXX  breach. I'm demanding that these accounts be removed and blocked from my credit file. 

1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX {$320.00} 3. Dept of ED/ XXXX {$7700.00} 4. Dept of ED/ XXXX {$5700.00} 5. Dept of ED/ XXXX {$5100.00} 6. Dept of ED/ XXXX {$5000.00} 7. Dept of ED/ XXXX {$1600.00} 8..XXXX XXXX XXXX 9.  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Due to Covid 19 I was laid off by my employer. I contacted Specialized Loan Servicing ( SLS ) to start a forbearance, but was told that at the end of 90 days I would need to pay the full mortgage amount. ( XX/XX/XXXX ) I have a XXXX XXXX Loan and according to the CARES ACT this is not correct. I was able to scrape a couple of payments together with the government stimulus, but I am still without work. I called back ( XX/XX/XXXX ) and was told that a deferment would not be possible. When asked why this is so they said they were following the mortgage owner guidelines. This is not what the XXXX XXXX site states or the CARES act. I asked to speak with a supervisor and I am awaiting a return call. I feel the SLS is being unreasonable and anything short of a deferment will cause a raise in my mortgage to a level were i wont be able to pay. 
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 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They have been asked and reported not to call this number several times and have been reported in the last year to you all as well. The calls have stopped then returned this year.

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