vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 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: NY

Complaint narrative:
I am XXXX F I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
To whom it may concern : I have been disputing an overcharge of {$520.00} posted to my credit card account by XXXX XXXX XXXX in XXXX, XXXX. This transaction took place on XX/XX/2021, when I was forced to check out ; after only six days of my expected hotel stay due to personal safety issues, I had booked a 13-day reservation from XX/XX/2021, until XX/XX/2021, at the rate of {$230.00}. 

XXXX and XXXX XXXX sent me confirmation emails for this reservation at this rate which I also presented to Chase. Which occurred on XX/XX/2021, when I checked out after only six days of my expected hotel stay due to personal safety issues taking place at the hotel. 

I expected that I would be charged of the rate of the {$230.00} proposed for the full 13 days stay. XXXX XXXX XXXX charged my card {$520.00} ; therefore, my rationalization for disputing this charge with Chase. Moreover, I have been doing so since XXXX of 2021 ; however, Chase decided that XXXX XXXX was justified and paid them this amount despite the confirmed booking confirmation, which I sent them from XXXX and XXXX XXXX evidence {$230.00}, 13 days I expected to stay. Moreover, I have also provided these emails for your review. 

As such, I disputed the charges again, providing the same evidence of the confirmed booking I mentioned earlier that I had made, but to no avail. Finally, Chase credited my credit card account with {$120.00} in XX/XX/2021, which I presumed was for the six days I did not stay or 1/2 of the {$230.00}. However, Chase still owes me {$390.00} of the {$520.00} they paid out to XXXX XXXX. 

I have called innumerable times refuting these charges. On XX/XX/2021, I called Chase 's credit card dispute center and asked if I could speak to a supervisor about the charges and getting nowhere with my dispute. The supervisor told me that she understood my dilemma, but she could do nothing about the charges and that I would have to pay despite being overcharged. 

I told the supervisor that it was wrong for me to pay for the overcharge considering the confirmation emails of the booking I provided them as I mentioned above, proving to them that I had reserved my 13-days at XXXX XXXX for {$230.00} and not {$520.00}, which I was overcharged. Help, Chase, is unfairly withholding credit to my Credit card account of {$390.00} and forcing me to pay these charges I do not owe them ; they owe me! 

I am reaching out to Consumer Financial Protection Bureau ( CFPB ) with my complaint, given if I do not pay, they will file against me negatively on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Well the interest is ridiculous my loan amount jump to an extremely high amount not sure how. Tried to talk to someone they were rude and not helpful. I have over XXXX in loans and no degree because school says I ran out of money how is this even possible with no degree at the end and can't afford to take anymore classes. I'm a XXXX and there are no forms of forgiveness for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX EXETER FIN XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX XXXX XXXX Sent my account to collections. I have always been insured. And my insurance covers everything. I have state insurance. So this debt is not mine. The clinic needs to contact Insurance to handle this and remove it from my credit report as soon as possible. This is not OK. Due to someones clerical error and Ill have a negative report on my credit. I tried to file two disputes with Experian, who did not help, all they do is believe the debt collector. Very unhelpful I do not recommend Experian. Im not going to pay this. Im not responsible to pay this. So if this clinic wants their money they need to bill my insurance which they have on file. I will not stop disputing 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 2021-09-03 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: NY

Complaint narrative:
I am XXXX XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... COLLBURFTWB ( Original Creditor : XX/XX/XXXXXXXX XXXX XXXX XXXX ... XX/XX/XXXX( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: AFNI INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... AFNI ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I can't pay the loan off and want. a refund anything over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The 3 Credit Bureaus is reporting inaccurate information on Capital ONE BANK USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: MD

Complaint narrative:
I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
XX/XX/2021 * {$85000.00} was transferred by wire to my mortgage company and listed as unapplied funds XX/XX/2021 *i contacted mr. cooper and was told the funds would be applied in 2-3 days and posted as of the XXXX XX/XX/2021 *i contacted mr. cooper again about the unapplied funds and was told it was not enough to pay off my mortgage. i explained again i was not trying to pay off my mortgage, it was to be applied to the principle. i was informed it would post in 3 days and be applied as of the XXXX of XXXX XX/XX/2021 *i called mr. cooper and spoke with an agent who told me the funds would go through within 24 hours. i informed her i was already told twice that this would happen and did not want to end the call until i knew it was resolved. 
*i was transferred to escalations who informed me they wired my money back to my bank account because it was not enough to pay off the loan. i explained yet again it was not a payoff and that it was to be applied to principle. then i was told they wouldn't accept it because it was more than 90 % of the payoff amount. there is nothing in my mortgage, nothing on their website, nothing on my monthly statement indicating this 'policy '. no one that i communicated with before or after the wire transfer stated this policy. i asked about the wire transfer fees, the interest accruing since the XXXX, and was told these were all my responsibility and there was nothing they could do. 
*i called my bank and they have no record of the wire and let me know it should be there by the XXXX of XXXX. at that point my money will have been tied up for 3 weeks. it will take another 4 days for it to be sent back to the mtg. company. in the mean time, i am incurring interest on {$85000.00} of my loan that i should not be accruing at $ XXXX a day. 
*i called mr. cooper back and filed a complaint and was told i should speak with a manager *i called mr. cooper again and asked for a manager. i was sent to escalations for the 3rd time. i reiterated that i wanted to speak to a manager. i was on hold multiple times throughout this over 30 minute call. still no manager. still unresolved. 

all i want are the wire fees to be refunded and balance to be applied to the principle as of XX/XX/2021 when they were originally received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted disputes and FTC reports for fraudulent accounts on my credit. These accounts have not been removed. 

Transunion - XXXX {$530.00} XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX  {$2300.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX  {$2300.00} XXXX {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: PA

Complaint narrative:
I submitted disputes and FTC reports for fraudulent accounts on my credit. These accounts have not been removed. 

XXXX  - XXXX {$530.00} XXXX XXXX  XXXX {$10000.00} Equifax - XXXX XXXX {$2300.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan was originated by XXXX XXXX XX/XX/21 with the first payment due XX/XX/21. I made the first principal and interest payment of {$1000.00} by check directly to XXXX and the check cleared XX/XX/21. 
XXXX then transferred the loan to Shellpoint and I made the payment due XX/XX/21 directly to Shellpoint on XX/XX/21. I then made the payment due XX/XX/21 directly to Shellpoint on XX/XX/21. 
Shellpoint then claimed that a payment of {$1300.00} made to XXXX prior to the loan transfer was rejected by my bank and they reversed the payment that I made to Shellpoint on XX/XX/21 for XXXX Note there was no payment of {$1300.00} made to XXXX that was applied to my account so they reversed the payment that I made to Shellpoint. 
I have submitted documentation that all payments due XXXX, XXXX and XXXX cleared my bank but Shellpoint refuses to correct the error and they have provided no documentation that a payment was rejected by my bank. Their explanation is simply that XXXX informed them that the bank rejected my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I opened a TD Beyond Check on XX/XX/XXXX as part of a promotion to receive {$300.00} bonus upon opening the account and receiving {$2500.00} in direct deposits within 60 days. The terms and conditions say the bonus is available to " new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the proceeding 12 months. '' I last had a TD Bank Premier Checking account over 12 months ago. The previous account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. This complies with the 12 month language that was stated in the terms and conditions when I opened the account on XX/XX/XXXX. 

When I contacted TD Bank I was informed I was not eligible for the bonus as I was a previous account holder. They stated the promotion contained the following language " '' Customers who received a bonus on a prior checking and/or savings account do not qualify. '' However I maintained screenshots of the terms and conditions from the date which I applied and this language was NOT part of the terms at that time. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
XXXX pnc mortgage homeowner insurance bill they waited until XX/XX/21 to pay it from my escrow account. the payment did not get to nationwide an my insurance was to be canceled on XX/XX/21. called several times to pnc couldn't find check.that was mailed. Was told XX/XX/21 that they could stop check an issue another but I would have to pay extra money for a few months to cover it. WHY? Also My property taxes are not paid due XX/XX/21. Taking copy of the bill to PNC bank in eden square bear de so they can fax to mortgage company. because they said the didn't relieve a bill. also sent out in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
my info along with my childrens were stolen out of my truck. I believe it was used to open a numerus amount of bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: PA

Complaint narrative:
I WENT ON a payment arrangement in XX/XX/2020. They did not disclose they were going to keep reporting me late for six months and charge me late fees for 6 months. Once I found out this is what they were doing I immediately paid XXXX but during that time they kept reporting me late and I was not because I was on the payment plan as indicated by the cares act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
All I've ever gotten from this company is a collection letter in XXXX and phone calls! I have demanded they stop calling me, and they haven't! I've written them many times demanding validation which I haven't received, and I am Furious! They violated so many federal laws with this account it hurts! PLEASE GET ME THE JUSTICE I DESERVE AND REMOVE THIS ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: PA

Complaint narrative:
I am a victim of identity theft, from the following creditors that have fraudulent accounts on my credit profile that need to be moved immediately, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: WI

Complaint narrative:
Other bureaus removed this erroneous item but Equifax did not.

Company response to consumer: Closed with explanation