vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.

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 2021-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America offers an XXXX XXXX credit card, advertising a {$200.00} statement credit and 30K miles when approved if spending 2K within first 90 days of account opening. They offer this card when booking travel on the XXXX XXXX website and indicate it may be used on your purchase. I was booking travel for {$1100.00} on XX/XX/XXXX, which would get me half way to the spending requirement for the promotion so I applied for a card. My credit score is XXXX. I received an immediate alert of a " hard inquiry '' on my credit report and was docked two points for the inquiry. However, my application was not approved -- I received " needs more time to review. '' When I contacted BOA XX/XX/XXXX, I was told applications take on average 7-10 days to process. 
I believe this is a deceptive business practice aimed at getting people to apply for their credit card for the promotion, but then make it difficult for you to be able to take advantage of it. I could understand if I had a low credit score, but with XXXX, which you knew immediately upon me submitting my application, that doesn't square up. 
I formally withdrew my application and will not do future business with BOA but I felt this needed to be reported.

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 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a promotional offer to receive a {$400.00} bonus for opening a checking account with Citibank. On XX/XX/XXXX I spent over an hour on the phone opening the account with an agent. I received forms to complete in XXXX and returned them promptly ( following THEIR upload directions ) only to be notified that they were illegible on XX/XX/XXXX. I again returned their CLEARLY legible form and again received a rejection on XX/XX/XXXX, with ominous language about complying with tax rules. ( The XXXX letter stated that they enclosed a Form XXXX to be completed, but surprise ... there was nothing else in the envelope! Further incompetence. ) I called the bank 's XXXX # listed on the letter to see why they can't seem to received their own forms correctly and ask if I can deliver the form to a local branch, since it is obvious that continuing to upload using THEIR system was not working. They said yes XXXX not sure why I had to come up with THEIR solution ... ) but that the promotional period to qualify for the {$400.00} bonus had expired. REALLY? How is that possible when their system is faulty! I was told that only the branch manager would be able to extend the qualification period, but that " should be no problem, they do it all the time '' So, since my mother was funding the account for me, she went to the branch to drop off the very legible bank form, make the funding deposit, and extend the bonus offer DUE TO THEIR SYSTEM ERROR. The branch manager refused. I am not interested in banking with ANY company that can't recognize THEIR error in the process, does a bait and switch and refuses the promotional offer THEY SENT ME! 
But wait ... there's more .... now, they are CHARGING me Monthly Service Fees and Account Overdraft fees FOR AN ACCOUNT I DON'T HAVE, DON'T USE! Totaling {$110.00}

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I sold my home and closed on XX/XX/2021. The title company, XXXX XXXX, has experienced difficulty with the mortgage company ( PHH Mortgage XXXX to wire a pay off. The beginning problem was with the Title Company not having wire details. Once wire instructions were received, the wire transfer of funds for the mortgage pay off was made on XXXX, I received confirmation from the Title Company. I have the wire transfer details. My concern is that my mortgage company is still showing a balance and are denying receipt of the pay off sent via wire. My mortgage company, PHH Mortgage, opens at XXXX XXXX I have been calling all morning to try to ensure that funds were received. However, they have a recording that says due to Covid, customer service is not available and it disconnects the call. I am very concerned that my account has not been updated with the pay off information. I have no way to see what is going on or to communicate with PHH Mortgage about the wire transfer to confirm receipt. This is very alarming. Please help!!

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 2021-04-26 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:
XXXX  is reporting an account on my credit report that is 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 2021-04-26 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:
XXXX  is reporting an account on my credit report that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: MN

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IA

Complaint narrative:
An offline party at heartland payment system payroll services has request my state ID social security card and proof of residence after already receiving it XX/XX/XXXX of this year they admit they revived it original but dont know why they need it again ... .... I havent been able to access my money since XX/XX/XXXX they wouldnt even tell me where to fax the information until the XXXX now I have to wait 5 business days if not longer for this offline party to even get this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: WA

Complaint narrative:
about three months ago the company was supposed to send forms for me to fill out but I never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: TX

Complaint narrative:
On XX/XX/2021 I sent out letters to the creditors that's on my credit report requesting debt validation. To this day they have failed to to so. These erroneous allegations have severely impacted my credit scores and my mental health as I am constantly being denied credit because of this. 

I've also sent letters to the bureaus disputing the false reporting and nothing has been done. 

I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit 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 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Harvard Collections, LLC
State: AZ

Complaint narrative:
I have worked very diligently on correcting my credit report after having XXXX surgeries, and being hospitalized for over 4 months. I am proud that I was able to pay off all of my medical bills, and have finally gotten my credit score to the point where I can now qualify for my first home. However, I received a notification from XXXX XXXX last week, that my credit score had changed. I was hoping that it had increased due to the most recently paid medical bills. However, to my horror, my credit score had decreased by XXXX points. When I searched for the change, I found out that I am being held responsible for a debt that does not belong to me. 

I was married in XXXX in XXXX, and moved to XXXX in XXXX with my now deceased husband. However, after several years of marriage, he and I separated, and I moved to XXXX  in XXXX with my XXXX minor daughters. My ex-husband died in XXXX after moving to XXXX  with little or no contact at all. Apparently, this is a debt that he owed to the XXXX  Department of Human Services. My ex-husband has been deceased for over 2 years, and has never resided in my home that I share with my XXXX  daughters, and XXXX year old granddaughter. My XXXX year old daughter collects survivors benefits from Social Security, however, prior to his death, he never provided for her financially. How could Harvard collection agency just assume that I owe this debt without any contact at all? I have not received any letters or any correspondence form this agency at all. They did not allow me notification to properly dispute. They just simply reported this as over 120 days past due as of XX/XX/XXXX. This has already negatively effected my credit scores, and could possibly effect my qualification as a first time home owner. If this was to happen, it could cause even more financial hardship for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On XXXX, I paid UNITED WHOLESALE MORTGAGE {$2500.00} for an additional Principal Payment. On XXXX, The XXXX XXXX XXXX took 3-payments of {$2500.00} XXXX {$7500.00} XXXX from my account instead. 

Additionally, there are 5-payments of {$2500.00} Pending for XXXX {$12000.00} XXXX These Criminals are stealing {$17000.00} from my bank account. 

I want XXXX  charges against XXXX XXXX, XXXX XXXX XXXX This is a money grab that affects over 1 million people according to the XXXX at United WholeSale Mortgage, XXXX XXXX XXXX. These are crooks of the highest order. They have been informed I will not be making another payment except to pay off the mortgage. I want my money back and my pay statement immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
I am looking to purchase a new home so my credit was pulled on XX/XX/2021. Prior to this I never received any written notice from the collection agency. They popped up on my credit report on XX/XX/2021. The credit line amount is {$1500.00} and the amount they stating now is {$2100.00}. The debt is over 7 years old. I am looking forward to the agency to remove this from all credit bureaus asap. I reached out to make a settlement with the agency, because this is preventing from purchasing a home, but they was not welling to work with me. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have recently received repeated requests to have me open a Lowes. I knew I would be purchasing several building materials for upcoming projects and figured it would be financially advantageous to use the Lowes credit card. I applied online, and went through their prompted questions and answered every one. Even complied with their requests to take pictures both sides of my drivers license id and to upload them into their application program. In addition, I complied with their request to take a video of my face for identification purposes. I did this even though I was extremely concerned about complying with these last two items. 

Today, I received a cryptic email telling me that I received a response to my application. It told me to login to Synchrony Bank, whereby following their instruction, I learned that my application was denied " Unable to verify identity with information provided when you applied ''. It provided absolutely no opportunity to allowing me to correct any perceived errors or information. I called Lowes and they forwarded me to Synchrony Bank, and was repeatedly told my application was denied, and that there was nothing I could do. 

I am extremely upset that I allowed them to access my credit information, and have not been given an opportunity to cure and possible defects they believe to exist. I have taken great steps to ensure that my credit is as impeccable as it can be, and feel that Synchrony Bank has damaged my credit rating with this poor credit approval process and even worse customer service. I STRONGLY ENCOURAGE THE PUBLIC TO AVOID ANY INTERACTION WITH SYNCHRONY BANK for the above stated reasons. Furthermore, I would also suggest that consumers avoid submitting any credit applications to Lowes, as they were completely unresponsive to my concerns in this matter. PS. I tried repeatedly to print out the letter from Synchrony but was unable to print or save this document from their website!

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 2021-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: KS

Complaint narrative:
In XXXX there was a system update, since then our amortization schedule has been completely messed up. It restarted our amortization schedule to the beginning ( essentially restarting the term of our loan and charging us 1000 's of dollars extra in interest and applying less than they should to our principal ). Every month my partner has had to call and have a manager manually override it and every month they tell us it has been fixed for future payments, yet every month he has to spend hours on the phone trying to get ahold of someone who can fix it. So far, my partner has been unable to get this issue fixed for the month of XXXX. Many times their phones are down or we get stuck in an endless phone tree that leads us nowhere. We are on top of our finances, but it scares me because there may be other people out there that this has happened to and they're unaware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: MD

Complaint narrative:
Mountain Run Solutions is reporting the wrong amount owed. I contacted the collections agency in writing and by phone but could not resolve the issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX purchase in XX/XX/XXXX {$980.00}. Item returned in XX/XX/XXXX. Refund delayed with XXXX, I opened dispute with CitiBank Visa. XXXX return was approved yet CitiBank claims no refund was issued by XXXX XXXX XXXX claims refund issued XX/XX/XXXX. I was told by XXXX that the dispute needed to be closed for refund to process. CitiBank records calls so when I requested the dispute to be closed I stated this. I have yet to receive refund - see attachments - XXXX XXXX XXXX  division AtoZ Guarantee states this matter was resolved with credit card company. XXXX Executive Analyst in CitiBank corporate said there is no further action they will take since dispute is closed. This after I spoke XX/XX/XXXX with XXXX CitiBank Billings Investigation I explained XXXX responded to my XXXX  complaint submitted approx XX/XX/XXXX that the item was never returned therefore no refund. Whereas all XXXX communication previous stated refund issued but it must be an issue with my credit card company. What did CitiBank do exactly in the original dispute? I stated the only reason I was requesting dispute to be closed was the instruction from XXXX. Yet I helpless because it requires assistance of CitiBank to resolve the information where XXXX states the matter was resolved with credit card company and other communication that CitiBank " repaid us for this order ''

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 2021-04-26 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: CA

Complaint narrative:
I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by XXXX XXXX XXXX, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and XXXX XXXX to investigate the validity of ownership to the debt from XXXX. XXXX XXXX continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.

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 2021-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by XXXX XXXX XXXX, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and XXXX XXXX to investigate the validity of ownership to the debt from XXXX. XXXX XXXX continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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:
I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by XXXX XXXX XXXX, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and XXXX XXXX to investigate the validity of ownership to the debt from XXXX. XXXX XXXX continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.

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 2021-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I have been receiving telephone calls from Credence debt collection agency, calling from XXXX XXXX XXXX ), two ( 2 ) to three ( 3 ) times a day, six ( 6 ) days a week for the last eleven months XXXX XX/XX/XXXX to XXXX 2021 ). 

They refuse to speak to me on my recorded line, hanging up when I answer and advise them they are speaking on a recorded line. Nor will they leave an explanatory phone message on my answering machine. 

This is exasperating for the simple reason I HAVE NO OUTSTANDING DEBT. Why is a debt collection firm calling a person who has no debts? Which I would gladly explain to them if they did not continually hang up on me. 

This is harassment of the worst kind.

Company response to consumer: Closed with non-monetary relief