vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
After filing a CFPB complaint ( # XXXX ), which has since closed, the company I complained about, Seterus, put a retaliatory comment on my credit report which has ruined my chances of getting a mortgage.

There was never a foreclosure on the property I made the complaint about, but after the CFPB 's complaint was closed, Seterus entered the comment " Foreclosure Started '' which has ruined my chance at getting a mortgage. 

Since this property has been paid off and the account closed as of XX/XX/2015, and this statement is both untrue and appears on none of the reports I have seen in the past five years, this action by Seterus is a direct result of filing a complaint.

I am again requesting the entire Seterus entry be removed from my account as it is there to ruin my credit ( not to accurately report payment history ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding a public record on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of this complaint or I will expect to see the item in question permanently  expunged from my record. XXXX Court US BKPT CT TN 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 2020-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had Identity Theft did a Police Report on XX/XX/20 called Capitalone to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the 3 Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MN

Complaint narrative:
My wife and I both opened checking accounts with US Bank in response to a promotion they had on their website. The promotion appeared on " usbank.com/openchecking '' but the page has since been removed. We opened the accounts and confirmed that we met all requirements. When I called the first time and asked when the {$300.00} welcome bonus would be deposited into our account, I was told that it was up to 90 days from opening the account and to check back later. The payment never posted. I called again and was told that it was 90 days from the final required direct deposit was made, and I should check back later. The payment still never posted. I contacted customer service again to ask why this was the case, considering I clicked the link directly on the website to open the account, had the promo code in place, and opened the account with no issues. I was assigned a person to help me, XXXX XXXX, who then relayed information between me and their " promotions team '' We have spoken three times on the phone ( originally I was told that this would be resolved in XXXX business days, but it has been 3 weeks since XXXX was assigned to the case ). XXXX recently left a voicemail stating that I was ineligible for the promotion since I did not receive a direct offer in the mail ... what? I signed up on the website with their promo code?? This seems like complete nonsense and I feel cheated out of {$300.00}. Same exact thing applies to the account that my wife opened up.

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 2020-10-07 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: FL

Complaint narrative:
I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the 3 Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end

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 2020-10-07 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: FL

Complaint narrative:
I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the XXXX Credit Bureaus to Update Information and fix all Credit Reports because this is due to XXXX  Messing up on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: FL

Complaint narrative:
I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the 3 Credit Bureaus to Update Information and fix all Credit Reports because this is due to Experian Messing up on their end

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 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I have been dealing with I C SYSTEM COLLECTIONS for this debt of {$200.00} I asked them to validate this and they never sent me any information and because they couldn't validate they removed this collection from my credit report. This account is three years old according to them. After they removed this item it stayed off my credit report for about a year then they just placed it back on there as a brand new account as of XXXX 2020. They never sent me a letter stating they were putting this item back on my credit report. They are the original creditor that removed it originally. I was never given a proper written notice to dispute this debt or notice that it was going back on my credit report. I called and spoke with a supervisor about this and they refused to do anything about it. I asked to speak with someone above him and was given a name of someone but they refused to give me a phone number stated I could only write in to resolve this. 

Contact # XXXX IC System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MN 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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After filing a CFPB complaint XXXX # XXXX ), which has since closed, the company I complained about, XXXX, put a retaliatory comment on my credit report which has ruined my chances of getting a mortgage. 

There was never a foreclosure on the property I made the complaint about, but after the CFPB 's complaint was closed, XXXX entered the comment " Foreclosure Started '' which has ruined my chance at getting a mortgage. 

Since this property has been paid off and the account closed as of XX/XX/2015, and this statement is both untrue and appears on none of the reports I have seen in the past five years, this action by XXXX is a direct result of filing a complaint. 

I am again requesting the entire XXXX entry be removed from my account as it is there to ruin my credit ( not to accurately report payment history ).

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 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
COMPLAINT AGAINST : ARS ACCOUNT RESOLUTION = XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX AMOUNT IS : {$1500.00} SINCE XX/XX/2020 I HAVE BEEN SENDING DOCUMENTATIONS SUPPORTING THAT THIS DEBT IN THIS COLLECTION COMPANY IS NOT MINE.ALL REQUIRED DOCUMENTS BEEN RECEIVED BY THEM ALONG WITH WEEKLY REQUESTS TO REMOVE THE DEROGATORY COLLECTION DEBT FROM ALL 3 CREDIT BUREAUS. 
I HAD 27 COLLECTIONS RESULTED THE IDENTITY THEFT IVE ENDURED AND THEY ALL WORKED WITH ME AND TERMINATED THE DEPILATORIES REPORTING TO THE BUREAUS EXCEPT THIS COLLECTION. 
I'M IN THE MIDDLE OF CLOSING ON A HOUSE AND THAT STOPS ME FROM MOVING FORWARD. 
I AM WILLING TO TAKE ANY LEGAL ACTIONS AGAINST THIS COMPANY IF NECESSARY. 

THANK YOU SO MUCH XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Water damage and have an insurance check but having trouble getting funds released. Bank is stating I am late after being in a foreberance and then into a trial modification. I have made all payments and am now in a modification of the mortgage but because Loan Care is stating I am still late - the company handling the insurance check will only release 25 % and I need 50 % so contractor can order supplies.

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 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had Identity Theft did a Police Report went to the bank to fix issue the bank knows what has happened but yet Refuses to give me back all my Funds

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 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sold some items in XXXX and my Paypal account was credited. 

I want to transfer that money into my bank account. 

Paypal requires me to provide my bank login credentials ( userid and password ) in order to make the transfer. 

Why do I need to provide my login credentials? 

It is sufficient to provide routing number and my account number. 

Can you please help me get my money? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCHRONY FINANCIAL - Paypal Credit I received a surprise notice : " This account is closed. You can't make purchases, but you should continue to make payments until your balance is paid in full. ". There was mailed correspondence dated XX/XX/2020, which indicated that my account was closed due to " dishonored payments ''. 

They closed my account without any prior notice due to some dishonored payments. My account had been active for a few years and payments were always made on time. There was no communication or warning, and I couldn't be bothered reading their terms of service which says that they can close an account at any time. If someone encounters technical difficulties when making payments and they are reported as dishonored, then they risk having a closed account at SYNCHRONY FINANCIAL without any notice given. The closed account will also reduce my credit score. Customer service refuses to re-open the account. They also charge a fee for the dishonored payment despite closing the account. And they do so during a pandemic/global crisis. Very poor form.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On multiple occasions, I have requested Equifax to correct inaccurate information on my credit file, and provided supporting documentation from the courts but Equifax refuses to do so. ( see uploaded documents )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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:
My name is XXXX XXXX. My father XXXX XXXX XXXX name shows up as my alias on my credit report. He denies having anything to do with my credit. However, as a young adult utilities at his home were showing up under my name. Id like this issue corrected and anything attached to his name removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: NC

Complaint narrative:
XX/XX/XXXX : Credit Card was closed for being seriously DLQ XX/XX/XXXX : I visited US Branch location and ended my banking relationship with US Bank, assured no future charges would go through. 
XX/XX/XXXX : A charge was made for XXXX XXXX : Attempts to collect a debt ( multiple times ) notified them of the issue and that I'd be submitting a CFPB compliant and to suppress any credit reporting and to correct any previous credit reporting.

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 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCB Credit Serivces, Inc
State: TX

Complaint narrative:
XXXX XXXX contacted my through my office phone about a debt that I do not owe?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
On XX/XX/2020 I had fraudulent activity on my TCF Bank checking account that caused my account to be overdrawn by XXXX dollars. The activity was reported as fraud. I have called several times with customer service for them to tell me to go to a bank to get the fees waived. Ive explained to them numerous times Im in California and can not simply go to a branch. They refuse to give me my money back for overdraft fees that were not caused by me, but the activity that was fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: PA

Complaint narrative:
I have a loan with ARC mortgage. I make my payments on time every month. For the month of XXXX I made my payment on XX/XX/XXXX through online banking with my bank. They received and cashed the  check from my bank on XXXX. They never put the payment to my account. This has happen 11 times in the past 2 years. I pride my self on my high credit score any they are putting this in jeopardy, because someone is not doing their job over there. As of XX/XX/20 this still has not been resolved. Attached is the cashed check for the month of XXXX. Also attached is my payment history with my loan showing all the times they XXXX  up on my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have made payments to an auto loan to get back under 60 days late. keep getting phone calls ever 2 to 3 days asking for more money. I have asked for deferments due to lay off from COVID-19. Found out that the company did not even put notes in the system that I called in XXXX. The company is Hyundai Motor Finance. They are unwilling to help me. They keep calling me after I have made payments telling me they will repo the car. This is Harassment by a bill collector.

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 2020-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance America, Cash Advance Centers, Inc.
State: GA

Complaint narrative:
I have loan thru the this company, i recently had a problem where someone hacked into my checking account, i reported to all my creidtors, all of them worked with me except these advance america. when i let them know, i was told not problem, i made a part of a payment, since the bank would only let me have a portion of my funds, I was told that would be fine. even before my next payment was due, i received a email stating that i was in default and that i would have to make these ridicules payment over the next 6 months! These people are nothing but liars and cheats!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/20 I wasnt able to log onto my Chase mobile banking for reason of suspicious activity. I tried calling on XXXX, but the department was already closed. On XXXX I called Chase and was informed that my accounts were being restricted and being closed and would be sending me a cashiers check for the balance in my checking and savings accounts. I also went to Chase to try to get an explanation of why my accounts were being closed and they couldnt tell me. Ive been a value customer for over 25 years. I did make some international wire transfers to help a family member overseas that is stranded there due to COVID-19 for help with attorney and hospital bills as he he was hospitalized while there. Dont know if this has something to do with it. Im extremely  upset that they wont tell me why so I can provide any necessary documents if needed for proof if this is the reason. I really want to continue my relationship with this bank. They wont even let me open another account. I feel I deserve an explanation and remedy the situation if I can. My payroll is direct deposited through them, most of my bill are automatically withdrawn here, along with getting my sons SSI benefits. Ive never had an overdraft on my account or any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
COMPLAINT AGAINST : CONSUMER ADJUSTMENT CO = XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX AMOUNT IS : {$640.00} OR : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX SINCE XX/XX/2020 I HAVE BEEN SENDING DOCUMENTATIONS SUPPORTING THAT THIS DEBT IN THIS COLLECTION COMPANY IS NOT MINE.ALL REQUIRED DOCUMENTS BEEN RECEIVED BY THEM ALONG WITH WEEKLY REQUESTS TO REMOVE THE DEROGATORY COLLECTION DEBT FROM ALL 3 CREDIT BUREAUS.

I HAD 27 COLLECTIONS RESULTED THE IDENTITY THEFT IVE ENDURED AND THEY ALL WORKED WITH ME AND TERMINATED THE DEPILATORIES REPORTING TO THE BUREAUS EXCEPT THIS COLLECTION. 
I'M IN THE MIDDLE OF CLOSING ON A HOUSE AND THAT STOPS ME FROM MOVING FORWARD. 
I AM WILLING TO TAKE ANY LEGAL ACTIONS AGAINST THIS COMPANY IF NECESSARY. 

THANK YOU SO MUCH XXXX XXXX

Company response to consumer: Closed with explanation