vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
once i called and the woman on the phone threatened me and asked very personal and invasive questions. 
then i received a letter with threatening language saying : it is our intention to settle this debt amicably, the choice is yours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE AUTO XXXX has a charge off on my credit report that was paid in full through " gap '' insurance. 
this account has been reporting delinquent to my credit sine novermeber 2018. 
capital representative confrimed to me over a recoreded line. that they did in fact receive all the documents and payouts to settle this account in XXXX i was not aware of this until recently. ive previously disputed this account with all three credit reporting agenices. XXXX XXXX and XXXX reported this account as been certified to there agency. which i know NOT to be true. XXXX, XXXX  and XXXX has not or ever contact me to validate the accuracy of this account. they never contacted me to verfiy this account. i was never asked or given my premission to have said account reported to my credit profile. there was never even proof that i was ever offically notified of this account being placed on my credit, late, charged off or the methed they was to certify that this account and or where they got the certification that his account was in deed my and 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX, on behalf of The XXXX XXXX, has a debt from XXXX  listed on my accounts with all XXXX credit bureaus that does not belong to me. It belongs to my ex-husband and his current wife. I never lived in that apartment, as it is where he moved when we separated. I have sent them proof in the form of my lease from where I was living at the time in question as well as a court document from that time listing my address. They refuse to remove this false information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
There is a attempt to collect {$350.00} credit report update XX/XX/XXXX as collection/charge off this a collection agency. They say the original account was opened in XXXX. There is no reflection of this account on my credit report prior to there claim to collect. Other then this charge I have zero negatives on my credit report. They have not provided me with the original account information where the account was opened and it has also reached the term limits for Tennessee law to collect this debt. I would like this negative removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: Harley Davidson Financial Services Inc
State: CT

Complaint narrative:
XXXX XXXX company is reporting XXXX late account # XXXX loan opened XXXX and paid off, they will not remove XXXX late its been over XXXX years. I have hired XXXX XXXX to remove it and they told me I must file this report. Its way over the statute of limitations. 

This XXXX XXXX loan was on XXXX and XXXX XXXX names Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX said that PNC made a change that prevents my account from being linked- which means I can no longer use XXXX!! Please FIX asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
We purchased a new home @ XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX  XXXX Mortgage XX/XX/XXXX, the loan was immediately bought out by Planet Home Lending and just a month later, bought by New XXXX XXXX, my complaint is against Planet Home Lending. In XX/XX/XXXX, when we purchased our home, we only had the choice to use the California XXXX XXXX hazard insurance which is fire only. When it came time for renewal in XXXX, we found a more comprehensive company and decided to change. Unfortunately, XXXX XXXX paid both hazard companies, so we had to contact the Fair Plan to cancel and they inadvertently refunded the amount of {$690.00} to Planet Home Lending who was no longer the mortgage holder, to complicate matters further, we paid off our mortgage with XXXX XXXX and own the property outright. I have advised Planet Home Funding with XXXX phone calls, XX/XX/XXXX and spoke to XXXX and was assured I would get a refund in days ; on XX/XX/XXXX I spoke to XXXX and she said she had to get information from their cash department and would call me back, she never did. On XXXX I wrote a letter asking for immediate refund of the premium and today XX/XX/XXXX I spoke to XXXX, a supervisor and she said she would call me within the hour ... she never did. They can not keep money that doesn't belong to them and I want my refund now. Can you help me please?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I am having trouble getting my mortgage company to pay the correct real estate tax bill On XXXX, the mortgage company paid a tax bill for {$8100.00}. I am not sure what they paid but that it is not the taxes for the property in question. 

The taxes for this property are only {$4100.00} https : //XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/balance I contact them on XX/XX/XXXX, XXXX and again today XX/XX/XXXX. They are ignoring these requests They have now increased my mortgage payment from {$1500.00} to {$2400.00} to cover the escrow shortage, but again, they haven't even paid the right bill.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2020-06-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-06-15 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: U.S. BANCORP
State: MO

Complaint narrative:
My husband was furloughed due to the XXXX. As such with being on unemployment we chose to work with our creditors and most all of them suspending payments for 2 to 3 months. US Bank however offered nothing other than waiving the late fee and really isnt any help at all. Now theyve reported us to the credit bureaus Which under the cares act I dont believe theyre allowed to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX of XXXX XXXX XXXX Co XXXX We applied and received a paycheck protection loan on XX/XX/2020. The paycheck protection loan disclosure asked to voluntary disclose XXXX, Gender which is Male or Female not in line with gender identity, Race and Ethnicity. Does not ask about XXXX XXXX. I believe this is a violation of XXXX XXXX and upheld supreme court decision on XXXX U.S.C. XXXX. 

I am openly XXXX and an owner of this loan that was originated. 

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 2020-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XX/XX/XXXX XXXX : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear Experian, This letter is to inform you that the debt collector, XXXX XXXX XXXX has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed 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 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I answered a phone call from an unknown number who stated I owed for a {$990.00} purchase in a XXXX credit card. 

Ive never had a XXXX credit card and it doesnt show up on my XXXX  account, or any credit report I run. 

They filed it as fraud then found it to be valid. 

Midland credit management said there was only one purchase in the account and no payment was ever made. 

They are threatening league action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: IL

Complaint narrative:
TransUnion refuse to comply with the FTC affidavit submitted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AZ

Complaint narrative:
Despite assurance in writing from the Mortgage Company XXXX XXXX XXXX and the three credit reporting Agencies Equifax, XXXX  and XXXX  that the incorrect report of 90 days past due mortgage will be corrected and the credit score would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a credit score below 600 and a credit report from the three agencies reporting a 90 day past due mortgage report by XXXX XXXX ( XXXX XXXX XXXX. It has been one year since XXXX  received a full payment by the Title Company on XX/XX/XXXX ; XXXX  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from XXXX  stating that on XX/XX/XXXX an update was sent to the three credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the three agencies credit report past due mortage with XXXX, the credit score reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Despite assurance in writing from the Mortgage Company Specialized Loan Servicing and the XXXX credit reporting Agencies XXXX, XXXX  and Transunion that the incorrect report of 90 days past due mortgage will be corrected and the XXXX XXXX would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a XXXX XXXX below XXXX and a credit report from the XXXX agencies reporting a 90 day past due mortgage report by XXXX XXXX XXXX XXXX Loan servicing. It has been XXXX year since XXXX  received a full payment by the XXXX XXXX on XX/XX/XXXX ; XXXX  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from XXXX  stating that on XX/XX/XXXX an update was sent to the XXXX credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the XXXX agencies credit report past due mortage with XXXX, the XXXX XXXX reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and 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 non-monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I called and issued a stop payment on the XXXX of XXXX. I later checked my account and on the XXXX of XXXX the funds were paid to the merchant. I called the bank tried to resolve and do a charge back given I did a stop payment Wells Fargo refused to refund or reverse saying that there is no stop payment guarantee. I also got a letter saying that my stop payment request was not on a recurring transaction so it doesnt apply. What? For one yes it was and for two I didnt authorize the funds to be taken out of my account. Seems to me they made the mistake but dont want to take accountability to fix it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a XXXX of XXXX XXXX XXXX XXXX  XXXX We applied and received a paycheck protection loan on XX/XX/2020. The paycheck protection loan disclosure asked to voluntary disclose Veteran, Gender which is Male or Female not in line with gender identity, Race and Ethnicity. Does not ask about Sexual Orientation. I believe this is a violation of Title 7 and upheld supreme court decision on 15 U.S.C. 1691. 

I am openly XXXX and an owner of this loan that was originated. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a XXXX  of XXXX XXXX XXXX XXXX  XXXX We applied and received a paycheck protection loan on XX/XX/2020. The paycheck protection loan disclosure asked to voluntary disclose Veteran, Gender which is Male or Female not in line with gender identity, Race and Ethnicity. Does not ask about Sexual Orientation. I believe this is a violation of Title 7 and upheld supreme court decision on 15 U.S.C. 1691. 

I am openly XXXX and an owner of this loan that was originated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My bank of America business card was involved in fraud where over XXXX dollars was spent in XXXX Florida ( I live in XXXX, TX XXXX between XX/XX/XXXX and XX/XX/XXXX. I was able to catch the fraud on XX/XX/XXXX and notified the bank before some transactions had posted. Bank of America has denied these fraud claims. My attempts. Not a single call was made by them, to me to request any additional details. They just closed the case without reimbursing the fraudulent amount. 

Here they are, all around XXXX, Florida XX/XX/XXXX 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 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 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 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 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 monetary relief
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDXXXX DPT EXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation