vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Ok so this has been a long dragged out situation!!! I filed a CFPB report about this already and the situation has only got worse AND they lied to the CFPB in their answer. 

My Father passed away XX/XX/2021 Sadly, I contacted SPS shortly after about his 3 mortgages with them because sadly he was in the middle of the Cares act ( Pandemic relief for mortgages ) and that has to be either modified or extended etc which requires me to be able to speak to them and do either the modification or the extension of the Cares act. 

Which means I can't simply just continue payments after he passed, it requires me to deal with SPS. 

So they stated I needed to provide the Death certificate to speak on the account, I did, they took 2-3 weeks to " process/Verify/Review '' it, then came back and said " Well sorry you were mis informed but now we need the Will '' I gave the Will. Took over a month to " process/Verify/Review '' the Will which shows me as the executor as well as the property being left to me, they came back with " Sorry you were mis informed AGAIN we need the probate documents signed by a judge '' I start Probate ( not a fast moving situation and even worse being done during a Pandemic ) FINALLY after about 6 weeks, I get the document from probate signed by a Probate Judge!!! SPS once again takes their sweet time ( dont remember how long this time ) to Verify it, comes back NOT GOOD ENOUGH, I speak to a supervisor at SPS who agrees with me and says " this is more then enough im going to resubmit it and you should be all set in 72 hours '' 72 hours pass and NOPE " Sorry you were yet again mis informed, we need the deed transferred over in your name '' I spoke to Probate court this morning and they said it sounds like SPS is playing games and stalling, Probate said what they gave signed by the JUDGE is enough, even said to have SPS call them directly and even speak to the judge, SPS refused. 

MEANWHILE SPS is sending foreclosure letters even know THEY are stalling!!! it seems like a scam and Probate agrees as does the Judge!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened an account in XX/XX/2019 with a promotion of {$300.00} for a savings account and {$300.00} for a checking account. 
XXXX, the person helping me closed and opened my accounts and assured me that I would received this promotional bonus. 
I kept the proper balances and did everything I was told to do. 
I did not receive any promotional money. 
XXXX has since left this bank and I was told she did similar misdeeds with other accounts. 
I can provide the promotional information as well. 
Im happy to provide my account information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 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: CA

Complaint narrative:
On XX/XX/2021 and 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 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I have contacted Equifax a total of 4 times to get these inquiries deleted and each time they send me a letter stating the inquiries have been investigated and they are factual and the credit bureau also states the companies have a right to obtain my credit report without my authorization or consent. This is against the FCRA laws and I have contacted the FTC regarding this matter. The report number with be listed at the bottom. These are the inquiries that are listed on my Equifax credit report that were NOT AUTHORIZED by me : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The company has refused to remove these inquiries stating these creditors have a RIGHT to check my credit, which is untrue because I didn't authorize the credit checks. They also states the inquiries were factual and I would like proof of authenticity and proof regarding how these inquiries were verified to be factual. I have also filed a complaint against the credit bureau with the FTC. FTC report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TN

Complaint narrative:
On XXXX I sent a letter to each of the credit bureaus because I bankruptcy on my credit report is not reporting 100 % accurately as it should be per the FCRA. Each of the bureaus sent a letter back saying they the information was correct and that they received the information from either XXXX XXXX or from my local court. On XX/XX/16 I sent another letter to each of the credit bureaus again stating that I had already contacted XXXX XXXX and had my account frozen months ago because of a personal matter and I provided them with proof that my XXXX XXXX account was frozen so they blatantly lied about verifying the accuracy of the information! I also contacted my local court to see if they could provide clarity and they said they had not sent any information to the credit bureaus. I also sent proof of this to each of the three bureaus. I sent my last communication to them certified mail to keep a track record, I'm also taking great notes of our communication. The FCRA states that the information that they are reporting should be 100 % accurate and verifiable. They have failed miserably to verify my information. They are only sending me canned responses as if they dont care about the information reporting wrong. I plan to take steps to sue EACH of them and thats why I'm taking notes and keeping records

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XXXX I sent a letter to each of the credit bureaus because I bankruptcy on my credit report is not reporting 100 % accurately as it should be per the FCRA. Each of the bureaus sent a letter back saying they the information was correct and that they received the information from either XXXX XXXX or from my local court. On XX/XX/16 I sent another letter to each of the credit bureaus again stating that I had already contacted XXXX XXXX and had my account frozen months ago because of a personal matter and I provided them with proof that my XXXX XXXX account was frozen so they blatantly lied about verifying the accuracy of the information! I also contacted my local court to see if they could provide clarity and they said they had not sent any information to the credit bureaus. I also sent proof of this to each of the three bureaus. I sent my last communication to them certified mail to keep a track record, I'm also taking great notes of our communication. The FCRA states that the information that they are reporting should be 100 % accurate and verifiable. They have failed miserably to verify my information. They are only sending me canned responses as if they dont care about the information reporting wrong. I plan to take steps to sue EACH of them and thats why I'm taking notes and keeping records

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 2021-10-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report, without any authorization, do not belong to me. 

Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have a custodial account for my daughter with Huntington bank. I recently received a statement in the mail saying that they escheated all {$570.00} out of her account for lack of activity. 

I called the bank telling them that they could not escheate the money out of her account because they had not provided prior notice and they returned the money to the account. 

It is absolutely unacceptable for a bank to steal the money from a childs account without going to proper notification procedures to ensure that that money should not be escheated. 

I believe their policies around their escheatment practices need to be reviewed by the FDIC to ensure proper handling as this appears to be, if not deceptive, then certainly an abusive act/practice and under UDAAP laws they should be assessed To ensure they are not causing harm to other consumers. I will be filing the same complaint with the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
An Affidavit of truth, Cease and Desist notice and a bill of particulars was received by NCB Management Services addressed to XXXX XXXX by certified mail on XX/XX/2021, these letters were in response to NCB Management Services numerous abusive emails being sent to my personal email from the past several months in which I never authorize NCB to communicate with. These deceptive and abuse emails were demanding {$20000.00} from me and at one time it was lowered to {$4000.00}, which appears that this company wants any amount of money I can give to them. I consider that a form of extortion. This company has parked this alleged debt on my credit reports without my knowledge of this debt. XXXX XXXX or NCB Management Services has NEVER verified a contract between myself and NCB for any amount of money nor any ledgers or accounting for this alleged debt has been presented to me. I have received more than 7 abusive emails, and as a consumer I discovered numerous violations on these emails. XXXX XXXX has not responded to my certified mail nor have they paid the bill of particulars or removed this alleged debt from my credit reports. Surprisingly I haven't received any more emails since NCB has received my Cease and Desist but they have not fulfilled the completed request to protect my privacy or stopped violating my consumer rights. This is my last effort to resolve before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I checked into XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TN, on XX/XX/21 and checked out on time the following morning, XX/XX/21. On the way to the hotel, My American Express Serve Card was charged an initial deposit of {$160.00}. When I arrived at the hotel, the clerk said I had to pay again for the room and the deposit amount would " drop off '' when I checked out. The second charge was {$150.00}. My total bill was only {$140.00}, which came off the initial deposit of {$160.00} and the {$21.00} difference was refunded. However, the second charge of {$150.00} is still on hold though the original charges were resolved by XX/XX/21. I have called AMEX Serve two or three times to get this resolved. They see the resolved transaction as of XX/XX/21. They know there is no dispute with hotel for the {$150.00} but aren't going to refund or credit my money back to my account until XX/XX/21. I believe they were supposed to issue a provisional credit after 10 days. The reps I spoke with would only say the policy changed last year. So, AMEX has withheld and denied me use of my own money, directly deposited from my job, without cause. I can't say a notice was issued to Serve cardholders about the policy change. I looked back through my emails and did not see one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: CO

Complaint narrative:
I submitted information via XXXX XXXX to apply for a HELOC on XX/XX/2021. Several companies contacted me, but they all did so regarding cash-out refinance. I am a financial professional myself, so I know the difference. I was contacted by Supreme Lending, specifically one of their Senior Loan Officers, XXXX XXXX. I explained to him I wanted to apply for a HELOC. He said no problem. I was very clear to point out I was not interested in a refinance of my existing mortgage ( it is a VA loan, already at a very, very low rate, better than current market rates ). He said no problem, and began to gather necessary info. He ran my credit. He then came back and told me I had qualified. He then proceeded to tell me they would have to take first position ( refinance my existing mortgage ) in order to proceed with the line of credit. I was very upset about this, as it lowered my credit score a little ( it's still excellent ), and told him I felt he had been very misleading, like a 'bait and switch ' since I was very specific and clear about not wanting to refinance. I asked him to never contact me again, but I continue to received email inquiries from Supreme Lending, most recently today, XX/XX/XXXX, from a XXXX XXXX. Here is Mr. XXXX  and Mr. XXXX 's contact info : XXXX XXXX XXXX Loan Officer Supreme Lending ( XXXX ) XXXX XXXX XXXX XXXX Loan Officer Supreme Lending XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to dispute an old account that is reporting on my Equifax credit file but Equifax has not responded. I tried to even attempt disputing on their website which doesn't let me in, then I tired to contact them and no one picks up. I have sent them a dispute in the mail and it's been well over 90 days. It's impossible to get any type of communication with them to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Three accounts total with original hospital XXXX XXXX which should have been included in financial assistance application. It's been erroneously closed out. Permission was never provided to share medical information which is a direct violation of HIPAA. Accounts should not be shared with current collector nor reported by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: OH

Complaint narrative:
XX/XX/XXXX I called because my mortgage company incorrectly coded my residential home as a condo with a HOA. They incorrectly levied on me a {$2600.00} HOA insurance payment. I called 6 times over the past 2 weeks to get taken care of. They did not refund the money nor update my escrow account. On XX/XX/XXXX I got an escrow statement that says I have a $ XXXX shortage and they have not applied the amount. 

I called again on XX/XX/XXXX 2 times and they transfer me to a manager. Come to find out they are not managers and keep transferring me back and forth. I can not get a resolution of them to fix my loan type and refund the money taken from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Fraudulent checks being cashed against my chase checking account and no ability to get refunded from the Chase Bank. Called ( XXXX ) XXXX on XX/XX/XXXX was put on hold for 1hr 41min with no answer. Called the local branch on XX/XX/XXXX, they told me only option was to call the above number. Called ( XXXX ) XXXX on XX/XX/XXXX, received a call back and talk to a representative, they said they needed to put me on a brief hold to verify my account, put me on hold for 20 min then disconnnected me. To date, they have allowed {$8000.00} in fraudulent checks to be cashed against my account despite claiming to provide a zero liability guarantee. Additionally, I went online to enroll in check monitoring to provide additional security go forward as recommended by the branch, and when I tried to setup on XX/XX/XXXX received a message " This part of our website is not currently working, please try again later '' ; tried 3 times, none worked.

Company response to consumer: Closed with explanation