vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE NOT MINE.

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 2021-02-08 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: CA

Complaint narrative:
I'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I owe {$83.00} and they want {$830.00}. Ive got my sons items on my report including his previous addresses and I dispute everything except child support as false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX/BBVA USA add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, received a letter from Bank of America XXXX dated XX/XX/XXXX XXXX that my credit line of XXXX was being reduced down to {$500.00} XXXX and XXXX for cash advances XXXX. Their stated reasons : Current or past delinquency on one or more of my accounts Pattern of Payments on one or more of my accounts or affiliates Payments relative to balance on one of more of accounts with BOA or affiliates were too low. 

Upon speaking with them : Determined that there was an outstanding balance of XXXX DOLLARS AND XXXX CENTS over due since XX/XX/XXXX. I indicated to them I never received a bill nor notice of the outstanding balance and they acknowledged that no notice was mailed to me, nor contact made to me about outstanding debt. They indicated that I have paper suppression on my account, which meant that they would not have mailed me a notice, but they also said there would have been no way for me to know without such notice being received. In short, I did not know I owed them less than XXXX dollars. 

I paid the balance and asked that the original limits ( XXXX ) be restored. They told me " nothing could be done '' because there was an outstanding balance of XXXX DOLLARS AND XXXX XXXX CENTS when they conducted the audit. 

I have been with this company for 17 years. I have an EXCELLENT PAYMENT RECORD and EXCELLENT credit rating. The majority of payments I have made in the past have either been in full or paid off completely within a couple of months. 

I believe that the reduction in credit was discriminatory in nature and incorrect. 
I have filed a customer complaint with BOA and also closed my account. 
I would like this matter investigated.

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 2021-02-08 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: U.S. BANCORP
State: NC

Complaint narrative:
I did not request these inquiries contact company and company did not see anything on file

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
Consumer complaint received 2021-02-08 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I open accounts with XXXX XXXX XXXX and had fraud and my card stolen at the time, went to the bank filled out paperwork and told I wouldnt have to do anything else. Left bank. One week later went to follow up and whole branch closed XXXX XXXX - XXXX, MD Branch this was 2016 Now they are on reporting Chex Systems and its fraud!

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 2021-02-08 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I open accounts with BB & T and had fraud and my card stolen at the time, went to the bank filled out paperwork and told I wouldnt have to do anything else. Left bank. One week later went to follow up and whole branch closed XXXX XXXX - XXXX, MD Branch this was 2016 Now they are on reporting XXXX XXXX and its fraud!

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 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I purchased a fitness watch on XX/XX/XXXX for {$6.00}. It was delivered on XX/XX/XXXX. On XX/XX/XXXX {$93.00} was taken out of my account by XXXX XXXX XXXX. I didn't authorize this transaction for a purse & never received if I supposedly bought it. I didn't even know what was supposedly purchased until I went on the XXXX XXXX site.They have six items you can chose from & one of them was for a purse for {$93.00}. There was no promotional on the fitness watch. I put in a claim with Chase Bank for the {$93.00} & they sent it to XXXX XXXX The claim came back with everything checking out so the {$93.00} was reentered into my checking account. I obtained the tracking number supposedly for this purse & called USPS to track it. It says it was delivered on XX/XX/XXXX. That was for the watch & not the purse. How could I have purchased a purse on XX/XX/XXXX & it then was delivered on XX/XX/XXXX? Now Chase won't credit my acct for the {$93.00} without proof. That email for the watch purchase I received was deleted & no sales slip was in with the watch. This is clearly a scam. I spoke to a fraud attorney & she looked into XXXX XXXX XXXX. The site is only 100 days old. The phone number on the site is for XXXX XXXX and they have been getting numerous calls the same as mine. There were two other numbers given to me by the bank and both those numbers were to private residences so all three numbers are bogus. The address on the site for California is also bogus. That address is for a XXXX XXXX. There is another address in New York that is also unsubstantiated. By the way ... .I didn't purchase the watch on their site. I purchased it after completing a survey so I didn't even know about this XXXX XXXX XXXX until the {$93.00} came out of my account. How can I give proof to Chase Bank when everything is bogus with this fake company? I am contacting the police department also to file a complaint. I need to get the {$93.00} put back in my checking account but Chase won't even listen to me. Could you please help me with dilemma?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I SENT IN MY DISPUTES SEVERAL MONTHS AGO AND STILL HAVEN'T HEARD BACK FROM THE CREDIT BUREAUS.

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 2021-02-08 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I did not request these inquiries contact company and company did not see anything on file

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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have paid off my mortgage in XX/XX/XXXX but the mortgage company has not sent me a mortgage satisfaction letter and record it on the county record. Based on the mortgage agreement I signed, the servicing company is supposed to send it to me within 45 days. It has been two months and Lakeview loan servicing LLC still has not sent the letter. 

I spoke to a lawyer and they told me that I will not be able to sell my property. I am planning to list my property for sales and can't do so because the mortgage company didn't send the mortgage satisfaction letter I have called Lakeview more than 10 times. They told me that they will record with the county on XX/XX/XXXX and it didn't happen. I called them again. They told me that they have third party working on recording and will finish on XXXX. XXXX and will keep me post it when it is done. Never heard back anything. I called XXXX XXXX because this loan is owned by XXXX XXXX and they told me to contact you. 

Please assist. Thank you!

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 2021-02-08 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: TX

Complaint narrative:
On XX/XX/XXXX I disputed the accounts with the credit bureaus because they do not belong to me. I did not get a response or results. So I sent another letter XX/XX/XXXX and the credit bureaus still havent responded. From my knowledge the credit bureaus have 30 days to complete an investigation or the accounts must be deleted according to Section 611 ( a ). So now these accounts need to be deleted immediately or I just might file litigation because this is becoming super stressful and the credit bureaus have been ignoring me on purpose. I am also a victim of the XXXX  data breach so XXXX knows who have gotten my information. 
The accounts that do not belong to me and the credit bureaus have been ignoring my disputes are : XXXX XXXX and 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 2021-02-08 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: TX

Complaint narrative:
On XX/XX/XXXX I disputed the accounts with the credit bureaus because they do not belong to me. I did not get a response or results. So I sent another letter XX/XX/XXXX and the credit bureaus still havent responded. From my knowledge the credit bureaus have 30 days to complete an investigation or the accounts must be deleted according to Section 611 ( a ). So now these accounts need to be deleted immediately or I just might file litigation because this is becoming super stressful and the credit bureaus have been ignoring me on purpose. I am also a victim of the Equifax data breach so XXXX knows who have gotten my information. 
The accounts that do not belong to me and the credit bureaus have been ignoring my disputes are : XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
On XX/XX/XXXX, my loan was sold by XXXX to Bayview Loan Servicing ( BLS ), with no notice to me. Within 10 days, I received a default notice from BLS. I called BLS and I was told I owed money to XXXX. I asked how much I owed XXXX and I was told I had to contact XXXX as BLS does not collect for XXXX, having no access to the XXXX system. I went into a local XXXX branch and the manager looked up my account and stated I was in good standing with XXXX. I then called BLS again and they stated there was nothing they can do because they show I owe money to XXXX I have since been to a total of three XXXX branches and the advised I am in good standing with them and I owe nothing towards my mortgage. I asked BLS how they can find me in default when the money was owed to XXXX, they said it must have been a mistake because my XXXX payment went to XXXX instead of BLS. After several phone calls to BLS, I could not get anywhere. They continued to insist that I owed money to XXXX. It was a Catch Twenty-two. The only way I can solve the problem was to pay money to XXXX, but XXXX would not take any payment stating I did not owe anything. 

So, I just kept making my payments as the attached Spreadsheet will show ( Exhibit 1 ). This exhibit details all payments from XX/XX/XXXX, the date BLS took over servicing the loan, and XX/XX/XXXX. As of that date, I overpaid BLS {$4500.00}. Additionally, these records show I made all payments due to BLS and I have completed these payments to the current date. During this time BLS changed their position and instead of claiming I owed money to XXXX, they stated I owed money to them, for XXXX, yet they took over servicing the loan in XX/XX/XXXX. BLS started charging me monthly fees, in amounts which violated my original mortgage documents, for being late, when it was obvious, I wasnt. They even told me previously that I did not owe money to BLS. BLS also was holding payments I made in Suspense meaning they were not crediting the monthly on-time payments I was making so they could charge me late fees. 

BLS has also reported my account as being late every month, year after year, to the credit bureaus, trashing my excellent credit rating, and preventing me from buying any properties now and in the future. This action is illegal and immoral. I have made every payment due to BLS since they took over the loan. I attempted to resolve any problem in XX/XX/XXXX but BLS stated I didnt owe them money, but I owe XXXX. XXXX has told me that BLS is not authorized to be a debt collector on their behalf. Why then is BLS trying to force unauthorized payments from me and ruining my credit rating? This is definitely not fair credit reporting when every payment owed to BLS has been paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit Collections is reporting 4 collections on my credit despite a full payment. They informed me that they will delete the accounts from my credit and yet they havent deleed the accounts as of yet. Please see attached a confirmation of payment, and remove these account from my credit as promised

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Background : My partner and I tried to refinance our home mortgage through Rocket Mortgage starting XX/XX/XXXX. During the initial refinancing process, we were upfront with our loan officer and let him know that 1 ) I am a XXXX student and so my income is very minimal, and that 2 ) my partner owns a LLC and he is a consultant with 1099 forms. This means that his income is not as consistent as a W2 workers ' and that he will have periodic weeks of unemployment with no income while he is looking for new contracts. However, once he is able to successfully lock down a contract, his income is around $ XXXX. He also has enough saved in his savings accounts to keep himself stable while he is unemployed and then some. Our loan officer took down this information and told us that this is fine and that this won't negatively impact our ability to close our refinanced mortgage. We paid {$500.00} as a deposit and began the refinancing process.

Problem : Two months later ( XX/XX/XXXX ), Rocket Mortgage told us that they can not process our refinanced mortgage and they have to close our loan because there was a lapse in income. They said this because during the two months ( XX/XX/XXXX to XX/XX/XXXX ), my partner completed a contract and is in the process of negotiating a new contract ; he is unemployed and does not have any income at the moment. However, as indicated in the previous section, we had already let Rocket Mortgage know about our income structure and they indicated it would not preclude us from closing our new mortgage. As it stands, it feels predatory that they seemed to understand how our income operates but then penalize us when what we told them about our income plays out in real life. 

Current situation : Rocket Mortgage has closed our loan and we are trying to get our {$500.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had a mortgage with Bank of America that was ultimately foreclosed on. I began missing payments on this account earlier than XXXX, and this account should be removed from all credit bureaus at this point, but Bank of America refuses to remove it. Beginning in XX/XX/XXXX, I applied for a short sale, and even had buyers interested. BoA denied the short sale claiming the offer was too low. I applied for a short sale again, which BoA denied once again claiming the property wasnt marketable. I then in XXXX/XX/XX/XXXX requested a deed in lieu of. I called back two weeks later after not hearing from anyone, and was told I had been denied a deed in lieu because I had not completed a short sale process. I was completely floored as I had already gone through the short sale process and been denied twice!! I filled a XXXX complaint following that incident, which wasnt responded to until XXXX, and I was still requesting a deed in lieu at that time. BoA drug this out until XX/XX/XXXX, then still didnt have it officially recorded until XXXX. BoA has the worst business practices Ive ever encountered. Ive have been through enough because of their mishandling of my case, and their complete incompetence. I just shy of two years ago was able to get another mortgage through the VA, but I had to write a letter to HUD to requesting to have the flag removed from my credit early to do so. I explained the same information above to them, they obviously agreed it was poorly handled and granted my request. Im asking that this finally be removed from my credit report with so three bureaus since this was so poorly handled, couldve been resolved sooner, and shouldve absolutely been removed by now anyway.

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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
I was attempting a refinance with Rocket Mortgage since XX/XX/XXXX. 
They assured me that the loan would be no problem. 
The loan was ready to close in XX/XX/XXXX. 
I called to ask a question. 
A mortgage officer ordered another payoff. 
This triggered a re verification of employment and a new loan subordination. 
Rocket Mortgage would not take my calls, emails, or get on the phone with the second party on my mortgage. I got a major run around. 
I ended up going to a local bank who will close in about 5 days. 
Worst customer service EVER.

Company response to consumer: Closed with explanation