vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 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: VA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I dont believe that these account and inquiries are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-11-09 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: VA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I dont believe that these account and inquiries are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Woke up on XXXX Of XXXX to my phone beeping and it was Chime Bank with emails saying my account closed n been Hackedwhen SSI was deposited on XXXX XX/XX/2020, I immediately called customer service and we went through 3 Straight Weeks of calling day and night, 4 to 6 hours with different Technicians Giving Technicians Access Of My Phone Through Quick Support and Team View remote Apps, then was asked to purchase a Gift Card To Receive My Own Money, I Got Tried and Refused Access to my phone for my refund {$380.00}, that was in the account balance before closing, now I can't get help to get my account balance Refund

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2020 2 payments were taken out of our checking acct. I only authorized 1 pymt. By phone since we hadn't received our mortgage statement for that month. I had to call the bank and pay XXXX to have payment stopped on one of the payments. Now they say it was a bad check ( which it was not ) and are charging me XXXX fee for it!!! My husband and I live on. Social security and raising XXXX grandchildren.We have had so much trouble with this mortgage company for the last 3 month. I called them today XX/XX/2020 and told them I wasn't paying the XXXX fee since I had to pay my bank XXXX to stop payment on one payment already. They told me I still had to pay the XXXX fee. I am outraged!!! Please help us. Money is really tight!!

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 2020-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
I am in the process of refinancing my home with a VA IRRL. I began the process at the end XXXX with XXXX XXXX at Lakeview XXXX # XXXX. I have requested NUMEROUS updates and received nothing until XX/XX/XXXX. I was notified on the XXXX that my loan was approved and that I needed to hurry up for closing on the XXXX of XXXX. I was never updated on the status of my file prior to that. Under ECOA I should have be given some type of disposition within 30 days of application ; that NEVER happened. On the XXXX the processor cancelled my closing and has yet to provide me with an update for rescheduling my closing. I have left messages for the processor, processing manager and loan officer 's manager ; NO ONE has responded. The loan officer suggested that I contact another lender. I can only assume that this is avoid additional costs that they don't wish to incur as a result of the delays. 
It is unfortunately these types of transactions that give lending a bad name. I hope that someone takes this more serious than Lakeview has done. My loan # XXXX These delays have cost me the ability to save on my rate as pricing has changed since XXXX and they are not willing to close my loan due to errors on their part that we cost them money. 

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 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Phone number : XXXX calls ( a XXXX number ) and says they are monitorning my credit and I can reduce my interest rates. Says they are chase bank, but I have no cards with chase, and chase should not be monitoring my credit. 

I am on national do not call registry so they should not be calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: PA

Complaint narrative:
The Summons and Complaint fail to meet the requirements of New York State Banking Law, Rules of the Courts of New York State, and other applicable laws, rules and regulations relating to residential foreclosures. 
That the bank paid the contractor for work it had not performed which the deceased repeatedly advised the bank of and, as a result of this failure the deceased caught on fire due to the contractor 's failure to upgrade the electrics as agreed in the reverse mortgage. 
That as a result of this electrical fire, the decease and her heirs suffered emotional and financial harm which may be permanent in nature. 
Despite the fact that the deceased, XXXX XXXX XXXX, made every effort to comply with the agreement regarding the repairs and the placement of funds in escrow, the plaintiffs are attempting to foreclose on the mortgage to collect the sum of {$430000.00} plus additional fees and costs from the deceaseds heirs and deprive them of the use and enjoyment of their home while still withholding the current contractors fees needed for the completion of the repairs on their home which the initial lender and its predecessor have held in escrow for over three years. Moreover, many of the required repairs which were caused by the contractor, XXXX XXXX XXXX XXXX who the Lender immediately paid without inspecting the property before making this payment, and in spite of XXXX XXXX XXXX XXXX failure to properly repair and complete the required repairs which were noted in the contract between the deceased, XXXX XXXX XXXX XXXX and the Lender. Furthermore, the Lender is still holding funds that were placed in escrow for the deceased to receive upon her signing the agreement with the plaintiffs predecessors in XXXX of XXXX. That the bank also failed to pay the deceased the money agreed upon in the reverse mortgage and without justification. 
That the bank improperly failed to inspect the work of the contractor in spite of several complaints by the deceased 's daughters that the work had not been completed or properly done even after acknowledging that it had been made aware of these matters by the deceased 's daughters. 
That the bank 's claims violated NYS and federal laws regarding usury and the Fair Debt Collection Act. 
That the bank continues to add illegal and inappropriate fees to the balance of the reverse mortgage. 
The bank also violates the Consumer Fraud Acts.

The bank violated its agreement with the decease once it failed to pay her the agreed amount ; to inspect the work of the contractor prior to cutting the check ; and by failing to direct the contractor to complete and to do the agreed upon work pursuant to the reverse mortgage agreement. 

Finally, XXXX sold the mortgage to RMS Mortgage on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: TX

Complaint narrative:
Checkr background check wrong drivers license number and in able to change it or status

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are fraudulent accounts, inaccurate addresses, and inaccurate names on my credit report. These accounts XXXX and XXXX XXXX was removed from my credit report on XX/XX/2020 and on XX/XX/2020. Now I have discovered that the items have been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( b ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days ; which this was not done. These fraudulent accounts, inaccurate addresses, and inaccurate names must be removed from my credit profile ONCE and FOR ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have provided XX/XX/XXXXwith all required documents, ( FTC Identity Theft Report, Police Report, and Proof of Identity ), the company continues to report this information to Credit Reporting Agencies. This has impacted my ability to receive appropriate credit ratings and has tarnished my reputation as a consumer.

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 2020-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Synovus Bank
State: GA

Complaint narrative:
was trying to rent a house in XXXX XXXX ga, the so called owner told us to download the XXXX App to our phones and register then we could self tour the house afterwards we did a rental application with a {$75.00} fee and then we were asked to put a deposit on the house of {$770.00}. the next day the actual rental company called and asked if we liked the house and wanted to rent it. we told them we already did and that is when she informed us we were scammed. totaling {$850.00} unfortunately we sent our money through XXXX with our bank which is instant transfer. which we may no get it back. 

The guys name was XXXX XXXX, email ; XXXX, phone number : XXXX Contacted our bank, XXXX, Federal Trade Comm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: MO

Complaint narrative:
I sent a letter to all three bureaus Transunion, XX/XX/XXXX and XX/XX/XXXX XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.

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 2020-11-09 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: MO

Complaint narrative:
I sent a letter to all three bureaus XX/XX/XXXX, XX/XX/XXXX and Experian XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.

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 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital one - XXXX - is reporting a late payment for XX/XX/2020. I have never been late on this account & I have had it for many years. I made my payment on time on the app and I thought it went through. Then I noticed later that it didn't so I hurry and made it again on the App and I called you guys and advised you that I had made it previously and there was an issue with the online app. They assured me that it was still on time and it was ok and that I wouldn't have a late because they could see I made it on time. 
This was not my error this was your system. Please remove this late as I really did make my payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am having problems with Capital One Bank not reporting payments to credit bureau. I have been using my Capital One Credit Card each month and I also make all of my payments on time. My account is listed as being dormant with no activity reported. Because my account is reported as a dormant account its now a high risk level account which caused my credit score to be significantly decreased. I called Capital One and the Credit Bureaus and I havent been able to get any help. I will like this inaccurate information to be removed from my credit file ASPA and my credit report be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
On XX/XX/2020 I was contacted by Rocket Mortgage to get my mortgage refinance started, he told me I should close in about 1 month. I submitted all of the paperwork they wanted via their mobile app. I submitted a poor review of their company on the XX/XX/XXXXwebsite and was contacted again by Rocket Mortgage. I was told that I would now close on XX/XX/XXXX. Last week they contacted me again, saying that they were not able to get in touch with my home owners insurance company for a couple of days, which my insurance company is XXXX. Today is XX/XX/XXXX and I have still not closed, I started this process almost 1/3 of a year ago and my patience is gone with this company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
I placed an order with the XXXX XXXX using their store financing with XXXX XX/XX/XXXX. The account was approved and opened. The order I placed with the XXXX XXXX  has been indefinitely delayed and I have been unable to get an update on when it will be filled. It was due to arrive 2 weeks ago. They will not allow me to cancel. 

Offering financing, with a hard inquiry on my credit report, and then not filling the order was harmful to my credit. I now have an additional line open for which I have no use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a Verizon credit card from Synchrony bank a few weeks ago. The company pulled my credit from two bureaus and the company admitted they never pulled XX/XX/XXXX and to submit proof so theyd have it removed. A person called XXXX XXXX from Synchrony Bank told me to contact her at XXXX extension XXXX. Ive been calling that person for a week and she never answers or returns my calls. Effectively not fixing their mistake and not contacting me or caring in any way. 

If youre reading this XXXX XXXX, call me and provide direct contact information to submit a credit report showing your company indeed DID pull my XX/XX/XXXX. Ive left you multiple voice messages. It seems your company only cares when people file complaints.

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 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sears called to try to collect on an outstanding debt. I have consolidated my debt with XXXX and per them did not answer the phone. On Thursday XX/XX/XXXX, Sears collections called my ex husband about the debt. During this conversation they stated to my ex husband the company that I work for. I have been divorced for over 13 years, this debt was made after the divorce. They had no right to tell him where I work. I have no idea how they even got his phone number. He reached out to our daughter to let her know, she was able to get the phone number from him and it was the same number that had called me.

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 2020-11-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I spoke with Navient employee and XXXX Supervisor MrXXXX XXXX and requested the debt be validated on XX/XX/2020. The Supervisor also agreed not to vaildate the debt. The debt letter sent to me with the account number XXXX is not valid and does not display a valid OMB number which is required to collect a debt under the paper reduction act. I also requested to cease and decease billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NV

Complaint narrative:
The accounts listed are not my accounts. Please remove them. I am not a credit repair company nor am I a mortgage company.

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 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/2020 LVNV FUNDING LLC had someone pounding on my door like the cops when i answered the door the guy handed me papers saying I was being sued for a debt in the amount of {$5000.00} for an old XXXX account that I had. I asked him how they had a right to sue over an old debt that has been cleared off my credit report to which I was told XXXX  like you deserve what you get. This company has put the debt back onto my credit report claiming it is brand new debt to which it is not. I didn't sign for the paperwork he just forced me to take it. The original date of the filing was XXXX, we are in XXXX, I don't see how they have the right to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NV

Complaint narrative:
The accounts listed are not my accounts. Please remove them. I am not a credit repair company nor am I a mortgage company.

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