vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint with the CFPB because I was wrongfully and and inaccurately reported to the credit bureaus. I am in utter disgust and I feel as if the company I put my trust into and failed me and its effecting my livelihood by reporting false information. As far back as XX/XX/XXXX up until today XX/XX/XXXX I have called the Capital One numerous times about how the Covid-19 and how this pandemic has hurt me and my family tremendously Ive called and spoke with various different representatives explaining to them that Im in a financial hardship and I was told that they understand and would not be reporting negative information on my credit report. Im not currently working just like millions of people around the country and for a trillion dollar company to continue to lie and give me misleading information it truly does hurt. As of today my credit report is reflecting 60 days late yet the only correct information Ive received and action that was taken was a past due fee being removed. Ive filed a complaint and even went as far as an investigation and still have received different false information regarding Capital One still reporting negative information to my credit report. Every single customer service representative gave different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
THIS COMPANY WHO I DISPUTED AN ACCOUNT WITH IN 2019 HAS SENT A DEBT TO A COLLECTION AGENCY AND PUT THIS DEBT ON MY XXXX AND XXXX REPORT. I HAD THIS ACCOUNT DISPUTED AND REMOVED FROM MY XXXX REPORT. IN 2019. THIS COMPANY HAS SENT A COPY OF A BOGUS CONTRACT WITH MY NAME ON IT AND STATING I LIVED THERE AND THE REASON I LEFT WAS I WAS BUYING A HOME AND IT SHOWS WHEN THE LEASE EXPIRES WHICH IS NOT TRUE. I HAVE TRIED TO REASON WITH THE COLLECTION COMPANY ON SHOWING ME A CONTRACT AND PROOF. THEY HAVE NOT PROVIDED VALID PROOF. THIS ACCOUNT NEEDS TO BE DELETED. I HAVE NEVER LIVED OR SIGNED ANY CONTRACTS WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Ive asked Experian, XXXX  and XXXX  to take my XXXX account out of Dispute. It continues to be in dispute and everytime I call to get it removed it lowers my credit score. The account should not be on my credit report at all 32A district court dismissed this case

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 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Removal of Private Mortgage Insurance : On XX/XX/2020 I paid down my principle to below the 80 % LTV threshold to remove PMI. I contacted my mortgage service provider, Citizens One Mortgage to request removal of PMI. It took them several weeks to send me a document that I needed to fill out to request cancellation of PMI. I have filled out the required paperwork and both faxed and mailed it back to Citizens One but I have not yet received a response. 

The process to cancel mortgage insurance appears to be intentionally slow and complicated and this will end up costing me hundreds of dollars of unnecessary PMI payments due to the slow response. I need a response from my service provider, and I need them to reimburse me for the extra PMI that I have been forced to pay after my LTV went below 80 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been trying to refinance my home with the same bank where we currently have our mortgage for over 10 months. 

We have a loan to value of 29 % -- i.e. we have paid off 71 % or our mortgage on our home we are trying to refi, with this same bank. 

This delay has put a hardship on my family because we are refinancing to have a materially lower house payment. 

During this time, the mortgage company was very unclear as to who the borrower of record was, either just me, or me and my husband. 
They have even changed the borrower of record throughout the course of this ten month process - I have email correspondence detailing this lack of clarity on such a basic, important fact.

I have had to unfreeze my credit at least 4 different times, they have added additional requirements that ended up taking months, forced us to resubmit pay stubs at least 3-4 times now, full tax returns for SEVERAL years, etc.

We still are not through this simple refinance, that actually LOWERS our payment. 

They have also not honored the rate lock I made last XXXX upon INITIALLY calling the bank to refi. It was ZERO origination and ZERO interest, 2.875 %. 
I corrected them on this, and they have forgotten in all of their disorganization and are telling me I owe origination. I should have gotten all my voice conversations documented on email vs trusting them. 

They have also forgotten several times that we handle our own escrow. I have communicated this, and our current mortgage is handled this way. 

I have had it -- no consumer should have to put up with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I received a notice from this company stating that I owed them money ; I have never done business with them. I sent them a letter requesting debt validation and verification on XX/XX/2020 via certified mail. As of today, XX/XX/2020, I have not received anything from this company validating this debt. The letter that I sent them was received. I have confirmation that they received the letter. Sequium Asset Solutions failed to comply and did not send me back debt validation, which does not show me any services rendered or what I am supposedly being billed for. Instead of sending me debt validation, they reported this negative item on my credit reports. I ask this company to only communicate with me via mail in which I have that right to do so. They have failed to communicate with my regarding this alleged debt. They are violating several laws and my consumer rights. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Therefore, this should not be reporting on my credit reports until this matter is validated by providing valid and proper debt validation. I see this is how they handle others as well and this is clearly them violating the laws that are set to govern the collection process. I have all my copies of all documents sent, including the certified receipt numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I closed my Best Buy card with Citi in XX/XX/XXXX. At that time, there was a residual balance of {$300.00} remaining on the card. Citi immediately restricted access to the online banking portal and statused my card as closed, preventing me from accessing the online payment portal. Through this action, they also prevented me from accessing online statements. When I attempted to access my online portal, they provided no information as to why I couldn't access the portal, but forced me to reset the password. After resetting the password, the online portal said I could not log in. When I called for assistance, Citi informed me that because I had " chosen '' to reset my password, it now prevented them from allowing me access through the online portal. However, they forced me to reset my password. 

I also needed to retrieve past statements for my XXXX tax filing, and Citi informed me the only way to receive statements would be have them mailed as paper copies since I couldn't access online banking. They citied that it was " more secure '' to place my statements in the mail then sending through a truly secure online process and they have no way to send financially documents securely. Just to reiterate that, the fourth largest bank in the nation with over {$1.00} XXXX in assets has no way to send documents securely online. 

In XX/XX/XXXX, I paid off and closed several cards with other major credit card issuers including XXXX, XXXX, and XXXX XXXX. None of those card issuers have restricted my access to my online account even today and even for cards with a now {$0.00} balance. 

I find it UNFAIR that Citi restricted access, when a balance of {$200.00} is still oustanding on the card and also prevented payment on the card online. I find it DECEPTIVE that they forced me to reset my password and by following their online password reset, in turn preventing Citi for restoring access to my online account. I find it ABUSIVE that they do not provide access to statement and online research while I still owe them a balance and continue to make monthly payments on time. It has caused me HARM as now I will be unable to research additional tax deductions in a timely manner for my XXXX tax returns, preventing me from taking additional financial deductions for my business expenses.

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 2020-07-14 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: FL

Complaint narrative:
A few months ago I received a bill from a collections agency, XXXX XXXX XXXX. I began calling them to inquire about the nature of this bill for {$1800.00}. 
Over the phone, they said its for your apartment and I informed them that haven't had an apartment since XXXX or XXXX and that I didn't owe anything to them. 
I am a XXXX XXXX and I lived in Grandparent 's property rent free to care for them for more than 10years.. I sent a certified letter in XXXX to the company asking them to provide me with details- who the bill is from, when the bill was created, signed documents with my signature, a lease agreement, etc. I got nothing. I then XXXX and reached out to the apartment complex they were naming where the property manager stated that there was no information with my name on it and that I needed to contact XXXX XXXX again. 

XXXX XXXX  sent me a letter dated XX/XX/XXXX asking ME for more information and said that they have yet to find sufficient evidence to validate my claims. They said that if I provide more information that helps my case, they will delete the items from the bureaus. I don't even know the details of this charge so I have nothing to send. They also provided me a copy of a bill where they put my current address, XXXX XXXX XXXX on it. I have lived here for 3 years and I don't pay rent, the home belongs to my Aunt so there is no way I could owe for here. Prior to this, I lived in XXXX, GA. 
I then sent letters to the bureaus asking how they validated the info and they replied saying " It was verified '' with no explanation as to how. My complaint is against the credit bureaus who have failed to remove the item and failed to prove how they verified the item.

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 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/2020 I received mail from US bank/XXXX  with a debt card produced in my name. I did not apply or this card nor did I request any information for this service. Fraudulently this card was generated without my approval. 

Section # 2 didn't offer the option to list a debt card was generated without my approval.

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 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I deposited a check in the amount of {$2900.00}. This is the same amount I deposit every month to cover my mortgage payment and from the same bank account I always deposit. I have never had a return item on my account. The check I deposited cleared from my account on XX/XX/XXXX. When I inquired about the extended hold through customer service the individual indicated that because I had written out the amount of the check differently than I normally caused the system placed an extended hold. I wrote out the amount XXXX XXXX and XXXX XXXX dollars vs. XXXX XXXX XXXX XXXX dollars. They have a hold on this check until XX/XX/XXXX causing my account to be overdrawn and will not release the hold. Was charged a {$35.00} overdraft fee but after I made a call they reversed but would not remove the hold. It seems like the extended hold placed was not appropriate and a violation of regulation cc, especially since I never had been overdrawn or had a returned check. Again, this is the same Ck I deposit monthly for my mortgage payment to Bank of America.

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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Credit Card ending in # XXXX. 

Inadvertently deleted from being reported to ALL credit bureaus, TRANSUNION, XXXX & XXXX contacted XXXX  XXXX several weeks ago and they REQUESTED account to be REINSERTED to ALL.the bureaus As of XX/XX/XXXX,. it is still NOT BEING REPORTED as advised to my credit reports social security # ending last four digits 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 2020-07-14 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: OH

Complaint narrative:
There is an account listed on my credit report as " XXXX XXXX '' that had a balance of {$4900.00}. I disputed this account with 4 major credit bureaus. Two of the credit bureaus lowered the balance to {$4600.00} while other credit bureaus removed the account. Evidence from court records shows that the balance is {$3200.00} and that I am not the responsible party for this account. However, Experian and XXXXXXXX are reporting a fraudulent balance and information on my credit report, damaging my credit and ability to obtain financing. Experian claims that results are certified from lender. That is a fraudulent certification. The city of XXXX ( Ohio ) is a local government in the United States of America. Their records and legal ruling in the USA take precedence over any records provided by a private organization. Please see enclosed evidence which proves account status is closed, the balance is {$3200.00}, payments from XX/XX/2020 thru XX/XX/2020, and that I am NOT the responsible party. Meanwhile, the credit report shows a balance of {$4600.00}, missed payments from XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Obviously, this is a major violation of the Fair Credit Reporting Act. In order to comply with federal law, it must be removed since I am not the responsible party and the account information is not confirmed.

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 2020-07-14 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This bank is horrible they never process any of my applications for credit I get turned down for high risk source of application which to me doesnt make sense for years its like they have me blacklisted and dont want me they dont fix this is ongoing issue their the bank I dont see why they cant fix 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 2020-07-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC
State: OH

Complaint narrative:
FMS Financial Solutions I disputed with a 609 letter {$1700.00} XX/XX/20

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 2020-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I co-signed my sister for a Santander auto loan but it was a bad loan and Santander got sued by the feds for giving bad loans so in the deal they made with the feds they need to remove that from my credit and my sisters credit however that has not happened The car is a XXXX XXXX XXXX and thats year the deal were made as well ... 

And it got repoed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Thursday, XX/XX/2020, I received a direct deposit in the amount of {$750.00}, on Friday, XX/XX/2020, I received a direct deposit of {$240.00}. Both of the direct deposits are from my employer that I worked for. They put a 2 day hold on posting it to my account, I also tried to use my debit card and it was declined. I contacted the bank and they connected me to loss prevention and they verbally stated they put a restriction on my account and that they will be closing my account in 10 days and keeping my money. My account is in good standing, it is not in the negative, I would like my money returned to me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXXl XXXX XXXX Credit Card ending in # XXXX. 

Inadvertently deleted from being reported to ALL credit bureaus, XXXX, EXPERIAN & XXXX contacted XXXX XXXX several weeks ago and they REQUESTED account to be REINSERTED to ALL.the bureaus As of XX/XX/XXXX,. it is still NOT BEING REPORTED as advised to my credit reports social security # ending last four digits 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 2020-07-14 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXXXXXX  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