vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: NY

Complaint narrative:
Back in XXXX I originally lost my information in a wallet and i wasn't aware of motoring my credit. So, in XXXX when I checked my credit report. I seen so these accounts that did not belong to me. I requested to have 3 Credit agencies freeze my credit file and added fraud alert. Then started disputing the accounts that didn't belong to me and the only one that has not deleted the remaining credit cards accounts is Equifax. The other 2 comply with my request back in XXXX. It will be 8 months and counting that no changes were made with these store credit cards accounts that do not belong to me. I sent Equifax copies of the FTC ID theft report copies and still no deletions were made. I can't allow to use the excuse of COVID due to delays when is my personal information is at jeopardy. I demand these accounts be deleted immediately or i will file ligation due to the distress Equifax caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
I had a mortgage ( # XXXX, XXXX XXXX XXXX, XXXX XXXX serviced through " My loan care ''. The property was sold on XX/XX/XXXX. Release of mortgage was not filed until XX/XX/XXXX. Received a letter from the attorney XXXX XX/XX/XXXX ) of the purchasers of the house saying that the release of mortgage had not been filed. Called every phone number on their correspondence and any number I can find for the company through " XXXX  '' and got the same recorded message to either change my address or hear my 1098 info, with no option to talk to a human. Finally found an email address online for a research department for said bank ( XXXX XXXX Sent an email on XX/XX/XXXX. Received an automated response with a ticket # of XXXX on XX/XX/XXXX. 
Received an email on XX/XX/XXXX with an attached release of mortgage. Mortgage was filed in the wrong town ( XXXX, CT ) when the original mortgage and house reside in XXXX, CT, and with the wrong date. I, and my attorney have sent numerous emails since trying to get them to correct the error, and have received no response or correction.

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 2021-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Today, XX/XX/2021, received communication from PNC Bank. Message " Your PNC Mobile Remote Deposit access has been terminated ''.

Specifically, review of my Mobile Remote Deposit items determine non compliance with t
erms and conditions of the MRD agreement.

My mobile deposits have always complied with the terms. My only deposits by Mobile are a monthly personal check from my sister that I have received and deposited remotely for several years.

Any other deposits are minimal, ie. PNC rebate check for retiree services, etc.

I have entered many complaints about PNC practices being unfair or violations of the banking laws. I feel PNC is retaliating against me for filing complaints against them. 
PNC has also blocked my email address, preventing me from correspondening with the escalation team representative that has been handling my complaints.

PNC also refuses to refund fees I previously requested under the complaints regarding more than 2 representments of the same item and charging {$36.00} each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XXXX Notified via mail by Seqium Asset Solutions , LLC , of their attempt to collect debt owed from our XXXX XXXX XXXX XXXX XXXX XXXX My wife, who is the alleged debtor, and I tried to resolve via phone. No avail. 

XXXX Sent certfied letter stating we disputed the debit in full due to contacting XXXX XXXX XXXX prior to the alleged charges. XXXX XXXX XXXX verified at the time our service was cancelled with no debt owed. Asked for letter stating no debt owed and that it will not be reported to the credit reporting agencies within 10 days. 

XXXX Contacted Seqium Asset Solutions, LLC , via phone and informed it may take another 30 days for them to remove and they will send us documentation via e-mail and USPS . Not satisfied as this violates FDCPA. We would like any reward sent to us and removal of the debt and any negative credit reporting by XXXX XXXX XXXX and Seqium Asset Solutions, LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I deposited check into XXXX XXXX check was fraudulent and funds reversed. I did FOIA request to XXXX asking how many times XXXX received and reversed check from one or both companies on front of the check.. XXXX or XXXX. today XXXX foia denied. FOIA Director called said XXXX not at fault. She told me to file with CFPB. I feel many NF members have experienced the thing and in doing so NF knew or should have known checks members produced for deposit with names XXXX XXXX XXXXXXXX were fraudulent and should not have allowed its members to be subjected to fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The department of education has breached the contract I had with them. XXXX gained access to my personal information. XXXX has presented itself as a government agency. XXXX is still violating the Fair Credit Reporting Act, Fair Debt Collection Practices Act, discloser and privacy laws enacted by congress, along with laws and provisions as addressed in my federal complaint. I have never had a contract with or entered into a payment agreement with XXXX. Their dispute is with the federal agency who they entered into a contract with.

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 2021-05-19 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: OH

Complaint narrative:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) XXXX  D ). The Following Accounts listed below : -ACCEPTANCE NOW # XXXX -XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -DRS # XXXX -I C 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 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have tried to get the company to stop reporting incorrect information, they aren't responding to my correspondence and I want to deal with the original creditor.

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 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Due to Covid I was laid off and became behind on my bills. I contacted Capital One to offer them a settlement because I wanted to pay them and move on. They rejected my offer. They informed me that they could not put it in writing nor could they inform me of why the decision was made. Fast Forward, they offer me a Hardship Program where they reduced the APR and payment for 9 months. I accepted the program and have made over the payments due. This hardship ends in XXXX. I contacted Capital One yesterday to offer a settlement of 50 % of the balance because I received my tax return and I was going to just pay them everything I had to be done with the account. I was told on the phone that my offer was accepted and that someone would be contacting me with the details on how to proceed with payment. I received a call today from a Capital One employee name XXXX empolyee # XXXX. She stated I was declined and I proceeded to request a explanation because I was informed yesterday it was excepted. She stated they do not give an explanation nor will they put this in writing. I asked that they review the call because this was not acceptable. She stated that she reviewed my history and I was rejected before and moving forward to write them if I wanted further assistance. Once again they rejected my offer and refused to provide any details and stated they could not document my offer or declination in a writing. I have been making all my payments for the past 7 months and I just want to pay them out and move on because they service and transparency is unacceptable. This is not how a company should operate especially with a customer that is trying and not ignoring their obligations. It seems they want to ruin your credit. I just really need this matter looked into because this should not go undocumented. Consumers have rights especially when they want to work with the creditors. I will never bank with nor secure anything from Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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: PA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA 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 2021-05-19 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: OH

Complaint narrative:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: OH

Complaint narrative:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

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 2021-05-19 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: AZ

Complaint narrative:
I submitted disputes to Experian, XXXX XXXX, XXXX on XXXX XX/XX/21 for an unknown collection acct appearing on my credit reports. All three agencies verified the alleged account. The collection company is listed as XXXX XXXX XXXX which is also shown as XXXX XXXXXXXX XXXX. This company has not responded to written request for information, I don't believe this acct exists .I don't know who they are collecting for. I have excellent credit and don't owe any outstanding debt. All three credit bureaus continue to report this unverifiable, inaccurate account in violation of federal law. I have attempted to resolve this and have been ignored. The furnisher has not responded to written requests either.

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 2021-05-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: MO

Complaint narrative:
Today is XX/XX/2021. I mailed out letters to XXXX, Transunion and XXXX on XX/XX/2021 about inaccurate information and Child Support reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, XXXX Transunion, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.

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 2021-05-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I moved during Covid worse in XXXX XX/XX/2020 and was told not to come in to XXXX  store to return cable box i hung on to it never heard back from them even though I still am a customer ... they sent it to collections named XXXX XXXX XXXX it dropped my score 98 points after being alerted of this by Experian I called XXXX and went in returned the box worth {$59.00} ... I was never told this would go to collections I was told to hold on to it I need this REMOVED from my reports not just marked as paid COLLECTIONS

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 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was contacted by XXXX, and other Bank of America customer services representatives who were falsely representation Bank of America employees at the 1-800 call center on the back of the card. they all stated that their was fraudulently activaty on my Bank of America account in the amount of {$6000.00} U.S. Dollars. They all stated that I needed to provided my full social security number as well as my home address and other various forums of personal identity in order to look up my account. After, I refused and ended the call from the support center of Bank of America. I was then immediately called by the imposter of Bank of America again and had my life threaten if I did not comply with what they were asking me for in terms of my personal pin, password details, and social security as well as home address personal information. I have also been locked out of my account. Any help with this personal matter is greatly appreciated.

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 2021-05-19 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: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
the debt of {$65.00} to XXXX XXXX was paid on XXXX XXXX, 2021. I contacted them and they said they are not sure why the collection company, American Collections Enterprise | ACEI is still reporting the debt. It should have been deleted.

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 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Around XX/XX/XXXX, I received a call XXXX XXXX from Quicken Loans to seeking my service to re-finance my home. Later on after consultations I realized the name has changed from Quicken loans to Rocket Mortgage. I was told they are the same company by XXXX. I asked if is a misrepresentation and she XXXX said no. 

During consultations and probing to get my business she made me aware that it will not cost me any money to refinance. In the middle of the processing before the someone to visit home appraisal, she told me that, I should put a deposit of {$500.00} down and it will credited to my closing cost. I specifically asked for the reason, because she had earlier told me it wont cost me any amount. Then she reiterate the {$500.00} dollars will be giving back to me in a form of check, after forcing or nudging me to complete a bunch of paperwork online signatures. 
The signature on the mortgage form attached was forged. I did not sign. they said it was attached to the 100th of forms the sent for online signature. Most of the forms signed was on line not on top of my name. 

Finally when I asked for me money back after the deal did not go through. They refused to refund me my money.

Company response to consumer: Closed with explanation