vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-01-26 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: STATE BANK OF INDIA - NEW YORK BRANCH

Complaint narrative:
I have purchased XXXX credit card in XXXX. And i am paying my bills every month. Then also they haven't deducted bill amount. But they have overcharged me 30,000 rupees extra. 
When i complained to customer they talk to me rudely. 
I am in XXXX. 
If anything happens with me XXXX CREDIT Card will be responsible for this. 
Please help me to solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
XX/XX/2021 Made an application for {$280000.00} mortgage with PNC bank XXXX XXXX, VA. Worked with loan officer daily supplying income information, savings, employment, etc. Followed our progress on the PNC loan tracker. Lead to believe all is well. Then denied XX/XX/2021, due to excessive obligations in relation to income. My wife and I had a combined annual income of some {$150000.00}. Current home was paid in full. No debt except for one auto loan. Substantial savings. My credit score was XXXX. Her credit score was XXXX. We were NO RISK. 

The same day I wrote you I wrote PNC and ask for a detailed explanation. To date I have NOT received any response. I believe it wasn't until they realized our age. I am XXXX. My wife is XXXX we were then denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have submitted a few requests to Experian to delete an account on my report ( XXXX XXXX XXXX XXXX ), which has inaccurately reported my scheduled payments and Payments made. These disputes were resolved XX/XX/XXXX and XXXX stating the same outcome ; that they find the information to be correct. Which is not accurate because I submitted to them the proof of my paystubs which indicated the payments being made, verses what the company was saying, and it did not add up. I explained that my payments were late due to financial hardship of COVID, however I still made payments, but they were not as late as they indicated ( 30-60 days ). XXXX informed me that the account would be closed and deleted upon my payment to payoff the debt. Which I did, but they did not keep the agreement as it is still on my report. Experian is the only credit bureau still holding onto this account. I contacted XXXX directly and they stated that they could not delete the account because its passed over. But why did they tell me they would if they couldnt? They keep resolving the issue rather quickly it seems without looking into or caring about the evidence that disputes the companys claims. The inaccuracy of payments also resulted in my overpayment to the company in which I had to be refunded.

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 2022-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX  XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt 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 2022-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I have tried to get on a forbearance or a repayment and the mortgage company wont do it. I called to pay back money when I was late and they told me it was going to foreclose on me told me I couldnt pay unless all money was paid up front. 6 month later they told me all I had to do was pay the back payment which was was way higher now. So they lied to me about paying just back payments. Spoke to several people in this 6 month period. Filed a complaint before they said they would work with me and now after compliant filed closed they wont help me still second lie being told by mortgage again. I just need a repayment plan to get my mortgage back on track after I lost my job and covid hitting

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 2022-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
In XX/XX/2021 my then mortgage lender, Guaranteed Rate approved a loan modification of 2.875 %, monthly paymentys of {$210.00} on a remaining balance of {$50000.00}. Shortly thereafter the loan was sold to The Money Source who ignored the modification, began billing me {$650.00} monthly and threatening foreclosure. I contacted them and was told if I submitted a notarized, approved loan modification from Guaranteed they would honor it as required by law. I submitted everything, hear nothing for lover a month. When I called XXXX they then told me it was not approved and I needed to reapply with them, which I did and was approved for the same terms. However, they never put the terms in place. I ahve called/emailed at least 15 times since then to fix this and was told the were busy and would freeze the loan activity until they get around to fixing this. 

In the meantime, today I received a bill for XXXX based on the incorrect rate and terms, and threatening foreclosure. XXXX has not done anything they promised and hav e broken many laws, while holding my only home ransom.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK
State: MA

Complaint narrative:
I am currently dealing with Freedom Debt Relief for 12 debts. 

1 ) 4 have been currently paid off ( I think ) 2 ) 4 have been settled agreements and are being paid ( I think ) 3 ) 4 more to settle. 

Freedom Debt Relief will not provide me documents stating which have been paid off and which are being currently paid off. I have zero idea if anything has been officially paid or if anything is currently being paid. 
I'm looking for a simple statement of such. 
They do have some kind of dashboard for me to view but nothing simple stating actions and finalities. 
*If I ever walked into court I believe a judge would laugh me out of there.I have no clear statements of settlements either final or ongoing. 
*I made it clear to them that oral conversations are not acceptable anymore and I want everything in writing, for I get different responses when I ask questions. 

In addition they settled an account a few weeks ago but I didnt accept it, I'm looking to see if they are going to charge me fees for it which our agreement states that they Can Not unless I agree to settlement. 

Theres more concerns to this company as well, but I need to start somewhere.Again, I try and speak with them but feel very misled when I do. 
Hope you can help me along and truly appreciate you being there for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt 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 2022-01-26 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX  denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit systems had called me around XXXX, to inform me about a debt I had with XXXX,, I communicated with Southwest and told them I had no knowledge of this debt, ,I ask them to mail me proof and I would get back with them to discuss it,, I never received anything in the mail, and a collection was put on my credit for XXXX.. I called and got the info, about this debt, ,they told me I made a payment of {$460.00} on XX/XX/2019. Then the account was suspended on XX/XX/2019... I would like proof, I believed the charges are made up, trying to extort monies, they did not give me chance to communicate with them, ,and if I made a payment of {$460.00} how can service be turned off one month after a payment of {$460.00}, these charges are false, and just trying to destroy my credit, it bought my scores down XXXX  points as a result of this 1 collection, ,an its an unfair practice,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: DE

Complaint narrative:
Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business
days after the date of receipt.

It has been 30 days and you are in VIOLATIO
N of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was charged two late fees by Bank of America in XXXX and XXXX of XXXX. 

In my XX/XX/XXXX statement, a late fee of {$35.00} was charged for no payment in XX/XX/XXXX. I had made a payment in XXXX but according to Bank of America, it was received a few days after the due day so I was assessed the fee. According to XXXX, my payment was processed on XX/XX/XXXX. I had never been late in prior months and assumed it was because of a processing issue at the bank or human error - mine or other. I asked Bank of America if they consider waiving the fee as a courtesy and I was told no as my payment was late. 

In my XXXX statement, a second late fee of {$35.00} was charged for XX/XX/XXXX. According to Bank of America- my payment of XX/XX/XXXX, was applied to XX/XX/XXXX, not for XXXX. 

I contacted Bank of America in late XXXX to explain how unreasonable it was for them to charge me two late fees when I had made a payment during the period. After several calls, I closed my account, paying the balance in full minus the two late fees. I had offered to pay one late fee but not two. I did not receive a subsequent statement and no longer had access to the account through the online portal, and as instructed tore up my cards. 

In XXXX and XXXX, I continued to receive emails about the {$70.00} plus interest but no statement. 

On XX/XX/XXXX, I made one last attempt to resolve the issue with Bank of America. I was told they could not waive the fees and interest because there was {$5.00} remaining on the account that needed to be paid. I paid this amount while on the phone with Bank of America. I was told the two late charges totaling {$70.00} and associated interest would be returned, bringing the account to zero. 

In XX/XX/XXXX, I received an email requesting payment of the {$70.00} plus interest. I called Bank of America, I was told that after a second review, they had decided against returning the funds, even though I had been told otherwise. 

All the while, Bank of America is reporting my account as past due, which is adversely impacting my credit.

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 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I bought my home in Connecticut in XX/XX/XXXX, and have lived on that premise since then. 
On XX/XX/XXXX, I refinanced the mortgage. 
After closing of refinancing, I got fired from my job on XX/XX/XXXX. 
I was unemployed and collecting unemployment benefit, but I was current on my mortgage. 
I have tried to find a job but wasn't successful until XX/XX/XXXX. 
I got a job offer from one company located on North Carolina and I took the job even if it offers significantly less compensation. I was making XXXX from my previous job, but I am making XXXX from my new job in North Carolina. I need to take a salary cut over XXXX but it is still much better than collecting unemployment benefit. 
I need to relocate with my family to apartment in NC, but I would like to keep my house in Connecticut because I love to come back later time. The distance from my home to my new job is about XXXX miles away. 
I contacted my mortgage company, Chase Bank, asked for a permission to convert my home to rental home from primary residential because it is only way for me to keep my house while I am working and living in NC with less income. 
Chase bank rejected my request. 
Reason for rejection is even though distance is over XXXX miles away, new job changes should be made under same employer to get qualified. 
I would like to keep my old job with much higher salary and live in Connecticut, but as I mentioned I got fired and moving to North Carolina is inevitable. Considering my current salary, I cant pay both my mortgage in CT and pay rents in NC. 
I do not understand the decision from Chase and believe there must be a way to get helped to keep my house. 
Thank you for your support Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I made a regular deposit to my TD bank checking account like I do every week for something around {$1200.00}. The ATM missed reddit for XXXX g so I canceled the transaction and tried to get the check back. The ATM ate my check and I had to get the bank manager to come over and open it up and take it out she did not cancel the transaction.. I want to go deposit my check at the teller and A-day later I found out that I owed them {$68000.00} because the transaction had not been canceled. After about 2 weeks of dealing with it I finally Got it resolved I thought but I opened my account this morning to owing TD bank XXXX They're claiming that they overcorrect it twice and they have all of the information which the information on my bank account does not go back to the midsummer. They're using their clownishly bad infrastructure and their Untrained employees to just keep telling me that there's nothing they can do about this while they endlessly continue to be terrible shepherds of my money. I refuse to pay them this money because I don't owe it to them so who knows where this is going to go for me but this is the only recourse I have so I guess here I am. I don't have a lot of hope any of this is gon na go in my favor but it's literally the only thing I can do so here it is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It has been brought to my attention that Experian has been communicating with third parties about my personal information without direct consent 15 usc 1692 ( a ) ( i ) Pursuant to 15 usc 1611 Criminal liability for willingful and knowing you have violated my consumer rights I demand you remove any & all negative items off of my consumer report ASAP

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have unauthorized inquiries that I did not consent to. Improper use of my credit. Fraudulent account appear or charges appear 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 non-monetary relief