vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1400XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: IL

Complaint narrative:
Contacted transunion for 9 unauthorized/incorrect hard inquiries on my credit report, representative told me he couldnt do anything until I sent in letters, ( which I did ), contact my distributors to ask for removal, ( which I did )

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 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: PA

Complaint narrative:
Issues with Home Point Financial, XXXX XXXXharging us for additional insurance coverage that is not needed and a duplicate coverage for a condo located in XXXX, XXXX. They started charging us in XX/XX/XXXX. Weve spoken to the mortgage company and they admitted their mistake and stated they would refund and correct our monthly payments. Its now XXXX, and theyre just giving us any silly excuse to not pay and correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband and I opened a joint account at Chase in XX/XX/2021. We did this in person at a branch. We brought all the required identity documents and extras just in case. All of our information was verified, and after over an hour, the account was opened. A couple of weeks later, my husband went to pay his credit card bill, and find out that his account was locked. Chase seemed to think there was something fraudulent going on with my account. It took multiple calls and several hours on the phone to resolve this. The obviously outsourced customer service seemed to have no clue what they were doing, and kept transferring me to different people, or telling him he needed to go into a branch. After several tries, the issue was finally resolved, or so he thought. My account was similarly locked, and we can not get any help. We spent half the day on hold, talked to several agents, and while on hold for yet another agent, the call went completely silent. We are completely fed up. We both need to be able to access our accounts, and we do not think it is too much to ask to be able to contact support when needed. Having overseas reps that can barely speak English and can't understand the issue or how to resolve it is asinine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sensible Auto Lending, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I made an online payment of {$130.00} for my car loan it was meant as an extra payment as my payment is not due till XX/XX/XXXX in the amount of {$63.00} and is set on automatic payments. When the payment was made it changed my next payment being due on XX/XX/XXXX in the amount of {$63.00}, when I called to make an additional principle payment to my loan since the payment I made on the 5th did not go to principle and you can only call to make principle payments, I was told I have a balance of {$52.00} that would need to be payed before I could make any principle payments. They state their system will not allow for a principle payment due to the balance of {$52.00} showing on the account. My account isn't past due and I don't have a payment due till XX/XX/XXXX, so I do not understand why I'm unable to make a principle payment. I feel that are trying to get all the interest on the loan as they can and make it very difficult or nearly impossible to make a principle payment on my loan which is not fair practice to follow. I have never missed a payment and I'm just trying to pay my loan off early and save money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
They keep calling even though they were advised the dedt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: GA

Complaint narrative:
XXXX continues to report a late payment on an account that was complete in XX/XX/XXXX. Equifax, continues to report this account which should be closed. Calling Equifax, results in disconnection. 
XXXX reported a late payment in XX/XX/XXXX which resulted in an XXXX points reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, I placed a security freeze through the automatic phone message system. I had placed it with the other 2 bureaus online where they allowed me to set my PIN. I had to do it through the phone as the automatic phone system didn't let me speak to anyone. I kept asking the automatic phone system to let me speak to someone and get a PIN before freezing, but it never did. Once I froze my account it didn't give me any PIN. 

I tried calling over and over and the automatic phone system kept saying it couldn't connect me to anyone unless I had a very specific reason. 

I created an account several times because the account was marked as " created '', but I never received an email and I could not log on. When prompting a password reset, the website said I didn't have an account. 

When I was finally able to speak to a customer representative he said to wait a day to try again as my account had been " locked. '' I tried calling again and the customer representative said there was 4 different " inactive '' accounts and that my PIN to unfreeze my account was sent to the email of my last account creation which I never received.

I'm concerned that their website allowed me to create 4 different accounts and 3 of them with the same email. Their system never sent any confirmation email or an email with the PIN. 

I ended up talking to XXXX, a person who claimed to be a supervisor in membership department and she was extremely rude, lied several times about what could be done and about me not having an account, and did not fix my issue with the account and refused to answer any questions, did not escalate any issues to tech or IT, and refused to fix my issue with the account.

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 2022-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a savings account with CITIBANK and deposited {$10000.00} on XXXX and was suppose to receive a {$100.00} Bonus after 60 Days. My account was hacked due to CITIs negligence and fraudulent transactions were made. CITI made me close the account and open a new one and they did refund the monies that were fraudulently transferred. The refused to give me my {$100.00} bonus even though I met sll the reauirements.

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 2022-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
The Problem is with the Department of Education and the poorly ran Public Loan Forgiveness program. The Waiver states " all payments, partial, late, zero and wrong plan '' now count. However, if the status state XXXX on the student aid site any payments made during that time does not count. 

People can consolidate new loans with old loans and be forgiven. Yet, forbearance periods can not count? 

Forbearance periods needs to be added to the waiver. Borrowers were always steered into Forbearance. Forbearance periods from XXXX needs to count as payment if the borrower certifies 120 months of employment. 

The language on the waiver is confusing and Fed Loan is not applying the language correctly. Every phone call results in different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
The company First Home mortage completed an escrow analyst in XX/XX/2021 informing my account was short. I explain the shortage was the property taxes. The taxes had already been paid. I submitted proof to them via email as they instructed from tax and assessment. I had to call them every day because they refuse to run the new analysis to calculate the taxes being paid. 

I need the mortgage company to account for the tax payment and return my payment to its original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
During XXXX I was in XXXX XXXX repayment plan. During that 5 year period I paid 60 months worth of school loan payments. According to the waiver for public loan service payments can be broken up and paid in lump sums. These payments should be credited to my XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is continuing to report fraudulent information to credit bureaus stating that i ( XXXX XXXX ) owe them {$1000.00} for a collection account in which the original creditor Continental Finance Company LLC Assignee of XXXX. After i sent in request them to validate the debt with verifiable and accurate completeness by send me the contract bearing my signature as proof that the account belongs to me. I also made them aware that i am a victim of identity theft and fraud. I sent a copy of the police report as proof of my identity being stolen. they responded by mailing me a letter with just account details such as amount and account number. they failed to validate any debt claimed to belong to me. There was no signed signature bearing my name. I contacted them after receiving the letter and made them aware that they failed to properly validate the debt. They refused to delete the fraudulent account.

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 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
The company Source Receivables Management contacted me in XXXX of XXXX stating that I owed a bill from XXXX in the amount of {$750.00}. I thought it was a scam because I never had a anything in my name from XXXX before. They kept calling me very rudely stating I needed to pay this bill. I repeatedly told them this was a mistake and I did not have a bill in my name from XXXX. Recently they sent a letter that they are trying to collect a debt and I owe in XXXX. Source Receivables Management says the account was open in XXXX and closed in XXXX. I had no knowledge of this what so ever. The address they gave me was to a tire shop and an email with a bunch of numbers. I proceeded to contact XXXX now XXXX informing them of what's going on. XXXX informed me that around that time no id or anything needed to be used to open an account in someone's name and I can't get into the account because I have no information on as far as a PIN number or security answer. This was fraud and XXXX XXXX suggested that I report it as fraud. I would like Source Receivables Management to find the agreement letter on this fraudulent purchase so my name can be cleared and taken off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
ALLY continues to report a late payment on an account that was complete in XX/XX/XXXX. XXXX, continues to report this account which should be closed. Calling XXXX, results in disconnection. 
Ally reported a late payment in XX/XX/XXXX which resulted in an XXXX points reduction.

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX CARD- ACCOUNT NUMBER : XXXX CHARGEOFF Amount {$0.00} Bureaus : Transunion I've been trying to fight with transunion and XXXX for months, first letter I asked them to verify the alleged account which had a balance at the time of disputting or delete the account, then they sent a letter they updated the alleged account to {$0.00}, then i sent a letter again asking how they were able to verify the account on XX/XX/30, they never response back to 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 non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XX/XX/XXXX, I paid {$89.00} to XXXX XXXXXXXX XXXX per XXXX XXXX for prorated rent due to move out. XXXX XXXX was provided notice that I was moving from the premises on XX/XX/XXXX. XXXX XXXX submitted a document to National Credit Systems claiming that I owe for a prorated amount of {$45.00} and an additional {$370.00} for XXXX rent. They had taken my security deposit of {$280.00} and added a 2 % interest rate from XX/XX/XXXX - XX/XX/XXXX of {$22.00}. Which results in a {$100.00} account balance. At no point is the {$89.00} taken into consideration, much less the fact that I moved out on XX/XX/XXXX, not XX/XX/XXXX. Furthermore, the ledger is not signed by XXXX XXXX, the XXXX responsible for submitting the debt and the rent amount listed is incorrect. I reached out to XXXX XXXX Systems and requested they validate the debt. They claimed they would validate it, but never got back with me in those regards. Attached will be the documents to support my claim for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: VA

Complaint narrative:
This is a complaint against Wise XXXX Inc . 
Filed by : XXXX XXXX XXXX XXXX XXXX. XXXX, VA XXXX T : XXXX XXXX XXXX I have used Wise XXXX Inc. to wire XXXX EUR ( XXXX USD ) to XXXX XXXX XXXX 
Somehow there was a suspicious fraud and the money were not received by the beneficiary ( XXXX XXXX XXXX ). 

I have contacted Wise to put a trace and refund the amount but they did not. 
When I attempt to file a police report in the beneficiary country. The local authorities requested me to produce the following : - A document from the beneficiary bank that proofs the fund was received by XXXX XXXX XXXX, the document should include the beneficiary company name, owner of the account, account address and XXXX. 

Wise XXXX INC refused to provide me with such proof and asked me to contact the beneficiary bank directly. The beneficiary bank " XXXX XXXX XXXX '' .refused to provide me with any information since the wire was initiated by Wise . All communications have to be through Wise. 

It's highly unlikely that a hacker is able to open a bank account in one of of XXXX biggest financial institutions ( XXXX XXXX XXXX ) in the name of a company XXXX XXXX XXXX  ) without providing a registration documents and ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have been told by this company for a full XXXX months that they " can not locate '' my paperwork on my loan. Today they informed me that it is the application they can not find, and they claim that they have been requesting it. If this were actually true, they would have it if they had been requesting it for XXXX months. However, as an intelligent and decent person, I happen to have the original application on file. I have forwarded it to them along with the PMI section of my legal loan application, stating that I can have PMI removed as early as XX/XX/2021. I have been asking for it to be removed since XXXX XXXX XXXX, and all they do is blatantly lie to me. They claim that I can not request removal, but I have the documents that state I can request removal as of XX/XX/2021. I want the PMI removed immediately. I emailed them the verification that I am well within my legal rights to have had it removed months ago. I have proven they have been misrepresenting the truth, and I want them to do the legal thing and remove my PMI.

Company response to consumer: Closed with explanation