vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 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: IL

Complaint narrative:
There is an alleged student loans and other accounts for which I do not recognize, I have tried several times to reach out to the credit bureaus for valid verification of those accounts and they have not given me adequate information on how those accounts were linked to my profile. Pursuant FCRA 623 I am requesting a removal of the accounts.

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 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I used a Bank of America mastercard to purchase an airline ticket through an online website travel agent called XXXX for XXXX XXXX. Purchased XX/XX/XXXX for {$830.00} Flight was for XXXX Due to COVID the airline cancelled the flights in XXXX. I have emailed numerous times to travel agent for a refund and they will not give it to me. They keep stating it is up to the airline to authorize the refund. 
I filed a credit card dispute on XXXX, received a confirmation letter. Called again in XX/XX/XXXX and was told B of A hasnt even contacted merchant yet to investigate this claim.

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 2020-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
inquiries Capital one, please delete most of the capOne inquiries The was a fraudulent freeze on my XXXX, so every time I applied for a pre-approved card it was rejected until I got the freeze removed, unbeknownst to me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Today ON XXXX XXXX 2020, I ATTEMPTED TO GET HELP ONCE AGAIN FROM PHH MORTGAGE. I SPOKE TO A MANAGER NAMED XXXX. I SPOKE TO HIM BECAUSE THE PERSON ASSIGNED TO ME NEVER CALLED ME BACK. 
THE PERSON WAS ASSIGNED TO ME AS A RESULT OF A COMPLAINT TO THE CFPB. 
THE MANAGER SOUNDED AND FELT AS IF HE WAS XXXX TO ME BASICALLY. HE SEEMED TO ALREADY HAVE A PARTICULAR MINDSET. I TOLD HIM MY ISSUES AND ONE OF THE ISSUES WAS THAT I WANTED THE INQUIRIES REMOVED FROM MY CREDIT REPORT. I REJECT THE FACT THAT MY CREDIT WAS PULLED 3 TIMES WITHIN TWO MONTHS.HE SAID THAT HE DOESN'T HAVE AUTHORITY. I SAID I KNOW THAT IT CAN BE DONE BECAUSE PHH REMOVED A DISPUTED ITEM FROM MY CREDIT BEFORE. HE THEN CHANGED HIS STORY AND SAID IT WAS MY CHOICE BECAUSE I REFUSED TO HAVE AN APPRAISER COME TO MY HOME AND THE INQUIRIES WERE VALID. I TOLD HIM THAT WAS ABSOLUTE XXXX AND INSTEAD OF ASKING WHY HE SAID HE WAS GOING TO TERMINATE THE CALL IF I DIDN'T CHANGE MY LANGUAGE. I REALIZED THEN HE HAD NO INTENTION OF HELPING ME.SO I BASICALLY CONTINUED TO BLESS HIM AND HUNG UP THE PHONE. ANOTHER CONTACT WITH AN INCOMPETENT PERSON. I DEMAND TO BE ABLE TO REFINANCE WITHOUGHT PREJUDICE. I ATTEMPTED TO OBTAIN A VA LOAN AND NOT ONE LOAN OFFICER EITHER KNEW HOW TO OR WAS ILL EQUIPPED. THE LAST PERSON FINALLY WANTED ME TO REFINANCE WITH A FEE I HAD TO INFORM HER I WAS EXEMPT AS A XXXX VETERAN. SHE TRIED TO QUICKLY HAVE AN APPRAISER COME TO MY HOUSE. I THOUGHT I WAS DOING A STREAMLINE REFINANCE. I NEVER DISAGREED I JUST WANTED MY OPTIONS EXTENDED. SHE HAD AN ADDITUDE AND NEVER CALLED BACK. NOW I REALIZED THAT PERSON LIED ABOUT THE APPRAISER EPISODE. I NEVER REJECTED THE ASPECT IF AN APPRAISER. I DECIDED NOT TO DO A VA LOAN AND JUST DO A FHA WITH AN APPRAISER IF I DO NOT GET ANY HELP I WILL FILE A COMPLAINT WITH THE OFFICE OF CIVIL RIGHTS.

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 2020-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder XXXX XXXX XXXX failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. XXXX XXXX XXXX claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from 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 2020-06-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder XXXX XXXX XXXX failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. XXXX XXXX XXXX claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

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 2020-06-11 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I received a letter from Synchrony bank about my Amazon  credit card account. The letter stated that my credit limit with Amazon was decreased from {$900.00} to {$260.00}. Which my balance is about {$220.00}. I have been having this account for about 5 years. Never had a problem with Amazon  or the financial institution before. When I called Synchrony to find out what the problem was, they told me that I had to call XXXX  ( reporting agency ) to dispute the information in the letter. I informed them that I pay Synchrony Bank and not XXXX  for my Amazon  account. Synchrony had run my credit and I did not give them permission to run my credit again. Initially my credit was run and this is how I got the account. I did not give Synchrony permission to run my credit report, when I have an open account with them. I did call Synchrony, and they could not give me any answers, but that's ok because I know they were wrong in doing so. I am going to pay this account in full as of XX/XX/2020. I want this complaint to be filed against Synchrony Bank and if possible against XXXX. The information that XXXX  reported is incorrect, and I want it removed. I called XXXX  and their operator was not in the United States, and they could not even communicate with me about my problem.

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 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
They are crooks in Texas, I complained somebody at XXXX had compromised my account, XXXX refunded the money bach to XXXX, XXXX never complied. All Texas Banks are crooks, they work together to take advantage because they are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Yesterday XX/XX/20 at around XXXX XXXX I went to the ATM at the BMO Harris Bank at XXXX XXXX XXXX XXXX, XXXX, AZ to make a deposit into my checking account of {$2000.00} cash. The ATM machine jammed as it was counting my cash and froze. I could not get my card out of the machine or my money. The screen went black and it started reloading software. It eventually got reloaded after around 15 minutes. I got my card out and put it in again to check my account balance. My deposit was not credited to my account at all. {$2000.00} cash is missing. I've spent many hours now yesterday and today trying to get my bank to return my {$2000.00} their ATM machine stole from me. I filed a complaint with them yesterday and they told me at XXXX XXXX yesterday that my funds would be deposited to my account within 2 hours. They told me this happens all the time. I'm XXXX and I've never in my life had money stolen by a bank or ATM machine. By the end of the day my funds were not returned. Finally the bank manager XXXX called me after the bank had closed and told me they were " starting an investigation that would take about a week ''. I can not wait a week to get my funds back. That money is a hard money rehab loan that I got from a hard money lender for rehabbing my house. I have contractors lined up to start work tomorrow and all of next week who require cash payment for their services on a daily basis. If I have to cancel their schedules I don't know when they will be available again and this hard money loan is short term and very high interest and must be paid in full by XXXX. I can not wait for my stolen money to be returned. I need it today. All they have to do is go get it out of their ATM machine in their drive through and give it back to me. This delay in returning my {$2000.00} deposit stuck in their ATM is unacceptable. I also called their corporate office this morning where I'm not allowed to talk to anyone but the receptionist. I called their fraud and ATM department who said it's being handled by their Regulation E Dept who they refused to let me talk to.

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 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Hi CFPB, I closed my mortgage account with the Company Loan Depot. I have been reaching out to them to provide my escrow refund. As per your regulations it should only take 20 days to get a refund. I keep getting the run around and their customer service is no help. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXX {$660.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX {$43.00} XXXXXXXX  XXXX {$310.00} XXXX XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX {$43.00} XXXX XXXX {$310.00} XXXX XXXX {$2400.00}

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 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I was into a car accident back on XX/XX/2020. My finance company Ally Financial was paid by my insurance company and the gap company. On XX/XX/XXXX of 2020 I spoke to a agent at Ally Financial stating that once the gap payment was received they would XXXX  out the remaining balance, I asked the individual multiple times during this recorded conversation if he could guarantee me this, he stated yes and that I would be able to receive a paid in full letter by the end of the week. On XX/XX/XXXX I called in being there was still reflecting a balance on the account even though the Gap claims payment was applied. I made a complaint with the escalations department and was told they needed to look into the matter and needed two days. On XX/XX/XXXX of 2020 I received a call from Ally 's escalation department and was told it will take them two days to get the call to be able to review this. Today is XX/XX/2020 and I called Ally to follow up on the matter for the complaint that I made about being told the balance would be XXXX  out. I am being told there is a remaining balance of {$650.00} and some change. Ally records all of there calls so there is a recording backing my conversation that took place on XX/XX/XXXX of 2020. I called Ally Financial at XXXX from phone number 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 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
It appears that Shellpoint Mortgage Servicing has a problem with how they pay taxes from the escrow accounts. The first year with Shellpoint, I was making escrow payments. At the end of the year, I was informed that I was over {$1000.00} short for the escrow payment and they would have to adjust my mortgage payment from $ XXXX to $ XXXX starting in XXXX, to make up for the underpayment that would be spread over XXXX. I paid the full overage at the end of the year, asking that my escrow payment be adjusted to the correct payments and not include an added payment for the overage. However, after numerous certified letters, Shellpoint would not do this and continued to charge us for the escrow plus back payments for the escrow of XXXX. 
I refinanced on XX/XX/XXXX. On XX/XX/XXXX I called the County to confirm that real estate payments were made. They stated that no payment was made. On XX/XX/XXXX I paid the {$470.00} to the County of XXXX for Real Estate Taxes in order to make sure it was paid before the discount deadline. 
Today, XX/XX/XXXX, I spoke with a named rep at Shellpoint about my escrow balance. According to their records, they paid this amount to the County on XX/XX/XXXX. I called the County today, XX/XX/XXXX, and they stated they still did not receive or process any payment from Shellpoint. To add to this, because I paid it myself, the County office stated that they will refund {$470.00} to Shellpoint when and if they receive their payment because they can not process XXXX payments. 
This {$470.00} should be returned to me, along with my escrow balance. XXXX XXXX told me that when the County returns the check, they will be required to send the refund to me, but that will take at least another two months. It is clear, that if they sent the payment on XX/XX/XXXX, as stated, it would have been processed before the XXXX. Since it wasnt, I would have also missed the ability to pay with the discount. This is probably also how I came to have an underpayment in XXXX. On top of this, I lost several hours of work to clarify this mess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
In re XXXX XXXX  and Hunter Warfield Revenue Recovery Services I had a scheduled check out date at the apartment. The checkout day was during a weekend and/or holiday, so I turned in the unit key to the on-site security/property office. At the time of turn-in, I asked the team whether they a document to sign, or other process form and receipt to show that I have turned in the key ; the person at the time responded they do not. 
XXXX XXXX and Hunter now claim that I stayed in the unit 2 weeks after the checkout date. Since the question turns on what day the actual check out was made, I have repeatedly asked XXXX XXXX  and Hunter to provide documentation satisfying their claim of my alleged check out date. They have repeatedly failed to provide this, nor can they provide any sort of documentation in a log, or document with my signature, of either checkout dates in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX XXXX {$2800.00} XXXX {$740.00} XXXX {$2000.00} XXXX {$2800.00} XXXX {$2000.00} XXXX {$960.00} XXXX {$1300.00} XXXX {$2000.00} XXXX {$1300.00} XXXX {$1500.00} XXXX {$2200.00} XXXX {$790.00} XXXX {$460.00} XXXX {$1100.00}

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my personal checking account to XXXX  to invest and you are not letting me..please let me let my account link to XXXX  XXXX  XXXX invest with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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