vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is alarming and needs to be resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CO

Complaint narrative:
When I moved out from this apartment that we were renting, we deliver the keys to the staff in the front desk resident services, they checked the apartment and once that happened they did not lock the door, We took pictures of everything ( including the kitchen countertop ) and weeks later they sent an envelope in the mail saying they will give us back money from the deposit, after that the company that rents these apartments sent us another envelope by mail ( week way after the first one ), stating that there was damage in the kitchen ( we did not do this damage ) since we delivered keys weeks before of this event and took photographic evidence since we refused to pay this debt they passed this to a debt collector ( XXXX XXXX XXXX XXXX  ). I explained to them that I disputed with the apartment company this debt and had evidence that we did not owe anything, they said to me is just {$300.00} and tried to harras me about impacting my credit score for years if I did not pay them. 

I still have the photos and the evidence of the email communications with the apartment complex company when I disputed this fake debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
On XX/XX/2021, I purchased a XXXX dishwasher in the amount of {$1300.00}, order number XXXX from Home Depot in XXXX TX,XXXX. The appliance was set for delivery on XX/XX/2021, On day of delivery the appliance was damaged, I refused delivery, and cancelled the order. I was advised by Home Depot Credit Card services, which is adminstered by CItibank, that I could not receive a refund on my Home Depot credit card until the damaged appliance was returned to the manufacturer and that I would be obligated to pay the credit card balance until the appliance was received by XXXX XXXX the manufacturer. It seems predatory to charge someone for a product they never received. The refund should be automatic to my Home Depot credit card, the appliance returned to the store of purchase and Home Depot should return to manufactuer. In addition, I am XXXX years old was never advised of this credit policy and no where on the purchase contract does it state this policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have sent a few letters, to be more specific since XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX explain and also sending prof that they are reporting inaccuracies like re-age account and also balances that are wrong but they keep ignoring me and have not sent me correct info. 
Also to be more specific on " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', XXXX  XXXX, XXXX XXXX ''. this accounts have re-age and show inaccurate info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MN

Complaint narrative:
I have sent a few letters, to be more specific since XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX explain and also sending prof that they are reporting inaccuracies like re-age account and also balances that are wrong but they keep ignoring me and have not sent me correct info. 
Also to be more specific on " XXXX XXXX XXXX '', " XXXX  XXXX XXXX '', XXXX  XXXX, XXXX XXXX ''. this accounts have re-age and show inaccurate info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
In XXXX of 2019 we funded on a construction loan and refinance of our house through First National Bank. The builder, XXXX XXXX XXXX XXXX, was vetted by First National Bank. We were told that the bank would be in charge of releasing funds to the builder as work was completed and after inspection. The builder was able to collect 90 percent ( {$67000.00} ) of the funds allotted from the loan without passing the necessary inspections. XXXX XXXX XXXX XXXX attempted to collect the final balance ( {$6000.00} XXXX and only was rejected when the appraiser came and declined to approve the final inspection due to shoddy workmanship and an incomplete project. It was after this that we discovered that the builder had failed multiple inspections by the county and continued to build, leaving us without access for the inspectors and possibly resulting in an entire tear down and rebuild.

The bank approved the release of funds without considering important documents and without properly performing inspections to ensure that the builder was building to code. The builder abandoned the project leaving us without a certificate of occupancy and with over {$30000.00} in repairs. 

We are working with attorney XXXX XXXX of XXXX XXXX XXXX, XXXX, and have paid out thousands of dollars to try and recover the money necessary to fix the failed inspections and shoddy workmanship. We have contacted First National Bank several times to ask for support, but have been informed that they will not assist with our legal challenges. They confirmed that they approved the release of funds, but that they did not take inspections vital to completion into consideration. 

If we are unable to recoup these funds we will be unable to fix XXXX XXXX XXXX XXXX 's mistakes and be left without a certificate of occupancy and remain shorted at least {$40000.00} in equity. The bank should bare responsibility for legal fees and court costs as they were responsible for inspecting and approving funds. We may lose our home if we can not afford the legal fees associated with this case and were never informed that the bank inspections would not include ensuring the project was completed to code. The lender is responsible for protecting the consumer to prevent this type of financial loss and ensure that customers are not manipulated by this type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have described the problem prior, and have a file at Citibank regarding this complaint. 

I raised several points with Citibank, NA., but in their reply my specific disagreements with Citibank 's handling of my account were not addressed. I cited at least three unanswered letters/correspondence to the company many months ago, and I also documents an inability to reach Citibank 's customer service department via telephone, during the early months of the Covid pandemic. Citibank, specifically, directed people to its website in order to resolve account problems. I advised in my recent CFPB complaint and my prior correspondence, that my password was not operational, and I was unable to proceed in this manner ( contacting via the phone loan ).

In my complaint to Citibank, they did not address any of their failings to deliver adequate customer service, via a reasonable wait time, and by answering my ( documented ) mailings to their offices. Instead, when reached at their corporate office I was advised by XXXX XXXX that I " should have called everyday, '' despite my advising her wait times were excessive, and I had limited time due to being on my work break, etc. 

Citibank, in short, did not address any of my specific claims. Instead they arbitrarily state they are unable to do anything to mediate my damages. I would request a full review be done of all the circumstances of me losing my points. I have taken many hours to review and catalog phone records, mailings, etc., whereas Citibank has given this no true, in depth review. Citibank appears in violation of their customer agreement on several levels. I am requesting reinstatement of around {$500.00} in Thank You Points, or a cash reimbursement, if the account can not be reopened. I have repeatedly pointed out the problem with accessing the account, but none of my points have been dealt with point by point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Started forbearance process with Chase Home mortgage assistance due to COVID XX/XX/2020. Sent documents in 5 times over 2 different medias, as requested by Chase. Today representative informs me again. Documents are not received. Further documents can not be sent via online portal offered by Chase. Rep states Chase is aware of portal not working? Although systems appears to accept loaded documents, this is fraudulent information. So now with no car I have been asked to go 2 miles away and visit Chase office to get docs faxed in. Even though last time they were faxed from Chase XXXX XXXX office 4 weeks ago, Chase home mortgage didn't receive fax from their own bank branch?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This a company recently responded to my complaint stating that they knowingly reported false information to my credit report which I pointed it out I requested that it be removed and not updated but that also ignored the law I Pointed out here is the law d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

So since I paid for those items with my credit card it should not be reported on my credit report this is a violation 15 U.S. Code 1692g - Validation of debts ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; So you assumed this debt is valid even after you have stated that there are inaccuracies in the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Dear Sir or Madam : I applied for a mortgage back in XX/XX/XXXX for an apartment I was purchasing. The apartment was {$240000.00} and was intending to borrow 80 % ( {$190000.00} ) and put down a payment of 20 %. I have perfect credit and had, at the time, almost {$500000.00} in my investment account. In XXXX, I was furloughed from my job as a professor at XXXX XXXX XXXX where I made {$91000.00} in XXXX ). I was told that because I no longer have the job, I was going to be denied. 

Having asked my mortgage broker what to do, he said have your father cosign the loan. My dad is retire, but also has perfect credit and has {$1.00} XXXX in liquid asserts as well as a house worth {$750000.00} that is fully paid for with no debt. They told me they were starting a new application in the beginning of XXXX XXXX I have emails to prove this ), but this was not started until XXXX as attached documents show. 

I was told that because he is retired, we STILL would be denied, but that using all of our income together ( by this time, my investment account had ballooned to {$700000.00} ), I can qualify for an interest-only ARM at a higher rate. The payment would be only {$560.00} a month. I told them to do it, even though I had to refinance after 10 years. Although it was not optimal, I felt I had no choice. 

After waiting 6 more weeks ( this is now almost 5 months and the owners of the apartment were frustrated ), I was told on XX/XX/XXXX that I was going to be denied. 
I just received the denial letter, which claims tha t there was insufficient cash as well as unable to verify income. Both of these are untrue as I was told this would be enough for such a small loan and they were provided all documentation. 

I feel that this was incompetence and misrepresentation of the broker and on the bank to string me along for over 5 months for such a small loan for someone who was furloughed, with perfect credit, a cosigner, more than {>= $1,000,000} in liquid funds, and applying for an interest only loan. 

I believe based on the denial letter, that I was not fairly evaluated ; documents were probably not even looked at ( considering that there is 15 times the amount of cash to back up the small loan ) and was led to believe I would be approved, especially since I have spent my whole life with perfect credit and due to COVID, was furloughed and would soon get either my job back or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
A collection charge showed up on my credit report that doesn't belong to me. 
I made multiple attempts to resolve and dispute with the collection agency and the credit agencies, but without success. 

The amount is : XXXX Collection agency : XXXX XXXX - phone - XXXX original creditor : XXXX XXXX - utility bill The collection agency confirmed for me that the utility bill had a different mailing address than mine. 

I have been living at an all bill paid facility for the last 9 years and i don't pay electricity nor water. 

i have no knowledge none what so ever about this collection account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MD

Complaint narrative:
In XXXX of 2016, I filed several complaints about incorrect information related to debts from another person being noted on my credit reports. Resolution of the complaints involved removal of the debt information and all associated information such as other names and social security numbers that arose from the error. I recently learned that TransUnion continues to report that I have used the name XXXX XXXX. This name arose from the previous erroneous debt information needs to be removed from my TransUnion credit report. I need to be provided a free copy of my TransUnion credit report for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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: SC

Complaint narrative:
I am requesting a method of verification of this bankruptcy on 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 2021-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
This XXXX  company can not remove forbearance status from my account even though I have asked these incompetent employees to fix this issues. I dont understand why is it so difficult to make my account in normal status. It is no longer in forbearance so why it showing this on their website. I can not even make a reoccurring payment because of this. Please fix this immediately or I will take legal steps and did a way to hold you accountable legally for my troubles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently starting using the XXXX  app and one I got a copy of my credit report, I instantly noticed an inaccurate address in which I have never lived at and inquiries misreported inquiries for credit that I don't recognize on all 3 ( XXXX, XXXX, Transunion ) of my credit reports. I wrote dispute letters to all three and its been past 30 days since, I mailed to XXXX  on XX/XX/XXXX and Transunion/XXXX  on XX/XX/XXXX. I have gotten no response from the credit bureaus and I have been having trouble getting in contact over the phone. I am looking to build my credit so i can qualify for Housing and this scenario doesn't help. 

XXXX  Wrong Address - XXXX XXXX  XXXX, XXXX, Ga XXXX Correct Address - XXXX XXXX XXXX XXXX, XXXX, Ga XXXX 1. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 2. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX XXXX 4. 
Account Name : XXXX XXXX  XXXX. 
Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  - Non Specific XXXX  1. 
Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  2. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX 4. 
Account Name : XXXX Date Filed : XXXX Type of Account : XXXX XXXX  XXXX  5. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX  TransUnion 1. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  2. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX  3. 
Account Name : XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 4. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 5. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  6. 
Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  I attached the letters I sent to the credit agencies,

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