vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I appeal to your service to have all three reporting services ( Equifax, XXXX, XXXX ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Good morning I have been fighting with M & T Bank since before Covid hit on a loan modification and pre-mediation for foreclosure. In XXXX of XXXX I was separated and going through a divorce, with my income hampered I was no longer able to make payments as of XX/XX/XXXX. When I attempted to work on a modification suited to my current income, M & T Bank would not work with me. As such I fell behind on my payments and in XXXX of XXXX I lost my job due to Covid. At this point I was about a year behind and M & T had started Pre-mediation for Foreclosure. I contacted them to try to work with them, which they would not do. I went to pre-mediation in XXXX of XXXX but M & T and the Lawyer did not show up. At that point Courts closed and I was instructed to not take any action. Fast forward to this past XXXX when Courts opened back up, my pre-mediation was starting back up. M & T bank reached out to me to do a hardship, and I explained I was making more as well had the possibility of other income coming in starting XXXX of XXXX. Again they refused to work with me stating they did not have any programs that would help me even though I am able to make the Mortgage payment on my own if it were modified or re-financed..

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 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I receive multiple calls from this business daily, every single day. The one time I did answer, it was a robocall saying it had a message for a person that wasnt even me. I will include screenshots of how often they call me, including the numbers they call from ( they call from separate numbers ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello, I was looking to refinance, and I went with Wells Fargo as my refinance bank. I paid {$500.00} for the upfront cost to get my application started. 

They called me back a few weeks later saying my refinance application was denied, offering no other alternatives or options for me. I requested additional information as to why I was rejected but they were not as helpful.

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On or around XXXX, XXXX 2021 XXXX, Equifax, and XXXX took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted XXXX, Equifax, and XXXX, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( XXXX ) ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I made a payment for my XX/XX/2021 bill which was due on XX/XX/2021 on XX/XX/2021. They applied my XXXX payment to the XX/XX/2021 billing cycle, which I had already fulfilled that payment in XXXX. I was charged a late fee because of the of the way they posted my payment. I called and the man explained that I had made it on the last day of the billing cycle and that's why it showed that way and that he would reverse the late fee and he would take care of it. This morning I started getting late payment notices from them. I called again and after not being able to resolve it with the person who answered the phone, asked to speak to a manager. XXXX ( not sure how to spell ) told me that they would NOT change the payment to show that I had paid my XXXX payment AND that I needed to make another payment or they would charge me another late fee and my account would be in arrears. This is unacceptable. No where on the statement does it say that you can not make an early payment. I made my payment early, I have fulfilled my part of the agreement. I would like them to correct my account to show that I have made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021 I made a deposit into my Capital One bank account. I received a check from the Treasury Dept for an advanced child tax credit. I received a message that it would be available XX/XX/XXXX which I have attached an image. I later receive an email stating it wouldn't be available until XX/XX/XXXX. I contacted Capital One and informed them of this error and I also informed them that the checks aren't to be held. The rep claimed there was nothing to be done and apologized. I explained that had I known that the money wouldn't be available until Monday I would have brought it in to be cashed. I am filing this complaint because their funds availability date doesn't correspond with what they told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I called Equifax XX/XX/2021 to remove unauthorized inquiries and they refusing to remove them. I have sent in numerous police reports and ftc reports to back my claim. I spoke with XXXX from Equifax employee ID XXXX and he said he is not removing the inquiries Ill be better off filing a complaint. This is the 4th time I have gone through this process with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On or around XXXX, XXXX 2021 XXXX, XXXX, and Transunion took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted XXXX, XXXX, and Transunion, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( 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 2021-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-10-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-10-01 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: NC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This complaint relates to all of my accounts with JP Morgan Chase. These accounts include four checking, one savings, two credit card, and one direct investment account. 

On XX/XX/2021 I attempted to purchase security derivatives in my direct investment account. I had plenty of liquidity and authorization to do so. I was informed my account was restricted to liquidation only and would be closed on XX/XX/2021. I contacted customer service who could offer no explanation or information except that I would receive a letter in the mail. I subsequently transferred my assets to another firm. 

On XX/XX/2021 I received a letter regarding the closure of my direct investment account that offered no explanation. I filed a complaint with FINRA regarding the direct investment account closure. 

On XX/XX/2021 I attempted a card present transaction on one of my credit cards, which returned declined. I checked my account online and saw that both credit cards were marked as " account closed ''. 

On XX/XX/2021 I visited the XXXX XXXX, OH Chase branch and spoke with Branch Manager XXXX XXXX. XXXX was unable to provide any information other than confirming my credit card accounts were closed but also informed me that my checking and savings accounts were also closed. He could withdraw funds for me, but could not provide any other information or assistance. 

on XX/XX/2021 I contacted Chase customer service. After 40 minutes speaking with various lines of business I was able reach the Executive Office team and file a complaint. That complain number is XXXX. 

I wanted to file with the CFPB to ensure accountability, escalation, and resolution with Chase. I will also file a complaint with the Office of the Comptroller of the Currency 's Customer Assitance Group. As a Federal Bank Examiner employed by the Office of the Comptroller of the Currency I find this treatment absurd and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My brother passed away on Friday, XX/XX/XXXX. The day of his funeral, Thursday, XX/XX/XXXX, I was trying to arrange with movers to take my brother 's belongings from a XXXX XXXX facility to our home in Florida. The movers wanted a deposit to be paid through XXXX rather than check or credit card which I felt was fine. 

My husband and I have joint accounts with SunTrust, now Truist, and I handle all the banking ; my husband doesn't do any of it. 

We have used XXXX before and I was trying to pay the movers through XXXX and had a problem with the transaction. When I called SunTrust, the representative asked if my husband was available because I needed my husband 's " permission '' to make this important transaction as his name was first on the account. 

I told the rep that my husband was not there, which he wasn't, and I didn't need his permission as this is a joint account and I won't open up another account in order to justify this transaction. The rep and I went back and forth with this and nothing was accomplished and I was extremely upset and angry. Yes, I do have a temper and I did curse. I went through XXXX trying to pay these movers, not only for the deposit but for the final balance as well. 

I tried going through the chat with SunTrust and that didn't help either. They could have cared less that I was burying my brother the day I called because they wanted my husband to call them to give his " permission to the little woman. '' They have now suspended our online banking as a result of this situation because I refuse to let my husband call them. I never even bothered to tell my husband about this because I know he would think this was ridiculous. 
It's the principal of the matter ; plus they caused me such grief the day of the funeral and thereafter due to this scenario. I will never forgive SunTrust for how they handled this delicate situation in such a thoughtless manner! 

I now have to go through my brother 's Guardian /Conservator ( I am the G/C ) account in order to pay our mortgage or check our other accounts. SunTrust just keeps piling on the grief! 

This isn't the first time I've had problems with SunTrust. They wouldn't let me close my deceased brother 's business account, even with proper documentation, until I mentioned that I was going to contact my lawyer. 

I could understand if I was trying to cheat my husband out of money, but to ask his permission to send money to the mover who was helping me with my deceased brother 's belongings was outrageous!!

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 2021-10-01 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted Synchrony in XXXX of 2021 because my Chevron online account had changed and I could not login.

The Synchrony Customer Agent informed me that they had converted to a new billing system and all customers needed to renew their account login 's.

Shortly afterwards, I received a new bill on my Chevron Gas Card for more than {$850.00}. 
I contacted them and told them that this was a mistake, because I had my monthly payments setup with autopay to pay each month 's balance in full. 
When I asked that they send me the transaction statement for these {$850.00} charges, I was told that they didn't have them, because of the new system they had converted to. 
They have not to this date produced any proof of these charges and I have escalated this with their management and fraud department. 
They continue to bill me for these charges with interest, but are not able to show any transactions to back them up. 
I have called them numerous times about this, but to no avail. 
I continue to pay the minimal amount due each month ; only because I have excellent credit and I don't want this to impact it. 
I am at my wits end on what to do regarding this matter!

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 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX got Trial Streamlined Loan Mod from PHH Mortgage Services as Successor in Interest. Successfully completed in XX/XX/XXXX. 

Due to unknown reasons PHH never updated the account to remove special executors name when probate was completed. 

I continued to make payments and in XX/XX/XXXX a payment was returned to my account unbeknownst to me. When I discovered it I called and PHH said the loan mod was now denied because special executor did not sign.

I appealed, filed with California Bureau of Consumers and they reversed their decision and asked for {$7900.00} to be up to date. When I sent payments, they got sent back again! I called Ombudsman and she apologized and said to start sending money. So I did. Attached is XXXX  XXXX XXXX account statement with payments totaling {$7900.00} I sent XX/XX/XXXX payment on time and it got sent back! When I called to ask why, NOW they are saying its because I owe them another {$3100.00} but that nobody communicated that to me and they are sorry! 

I now feel they are discriminating against me based on my race ( XXXX ) XXXXm a senior ( XXXX ) and the fact that the property is in a Redlined area of XXXX XXXX and has some equity FINALLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America claims to have transferred servicing rights on my HELOC in XXXX  to another company during the Great Recession of XXXX. The XXXX XXXX Bailout occurred at that time as well. BOA was sued by the Federal government for fraudulent activity at the time, and was one of the largest lawsuits in American History on Real Estate.

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I appeal to your service to have all three reporting services ( XXXX, XXXX, TransUnion ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I appeal to your service to have all three reporting services ( XXXX, Experian, XXXX ) remove the middle initial from my name. I continue to receive mail with a middle initial which, in my lifetime, have never used. Despite several requests to said reporting services to correct this mistake, they continue to carry my name with a middle initial.

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