vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Hi I had an apartment with 3 other people in my school and one of them didnt pay rent and we got evicted and I told the caretaker I can pay my part after every one abandoned the place and me. And I told the collection agency that 1. Its 4 names on the contract owe {$8100.00} and I shouldnt be made liable for it and then 2. On the contract it states that we cant be forced to pay interest or any fees except the one listed on the lease. 3. And that I told the caretaker and she said that I was ok and I shouldnt worry. Even with the lease saying 4 names and signature they still harass me to pay {$9100.00} on the document it clearly states no legal fees or interest shall be awarded to either party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I saw an advertisement of 4 % APR from Wells Fargo Bank and asked them why they don't offer 3 % APR> They emailed me back that I do have 3 % APR. Then I requested {$30000.00} seeing 4 % APR and thinking that I'm eligible for 3 %. They didn't refund the APR - charges back

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 2021-05-05 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:
I am writing to delete the information in my file. The items i need deleted 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 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 Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Ive been trying for the past two years to get Experian on top of my credit and help repair. XXXX & XXXX  are both up to date shower over 750 credit score and Experian is the only one not working with me.

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 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
ON SATURDAY, XXXX XXXX WHILE BALANCING MY ACCOUNT VIA TELEPHONE i DISCOVERED THAT A CHECK FOR {$480.00}, written XX/XX/XXXX to XXXX XXXX XXXX XXXX was outstanding. the balance in my account indicated that {$480.00} that I deposited on XX/XX/XXXX was also missing. I called the 800 # spoke with fraud division also explaining that there is a pattern I noticed in my account when this happened XX/XX/XXXX re : ck # XXXX for {$50.00} and previously, when this occurred randomly XXXX ; XXXX. What happens is check written but remAINS OUTSTANDING beyond what I consider normal ( longer than 10 business days ) however the money ( I deposit to cover check goes missing first. ( I suspect they work with someone inside banlk who gives them cash for check. ) Check is presented and bounced. I have to cover check to clear up problem in account which means I have paid 2X for face value of check not to mention any other fees or problems. On Saturday because the representative saw no " large/unusual " activity he referred me to representative at local bank " who will set down & review with me my register. '' I refused having been through this before. Asked about audit of account and was told they don't do that. Problem not solved. I suspect a thief within the system who has gotten away with this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Equifax to remove an mortgage account that was more than XXXX XXXX XXXX. Equifax results were " We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I submitted a dispute again to Equifax to have the same mortgage account removed. Equifax results were " We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I called Equifax to attempt to resolve the issue with the company however, I was told the lender reported the account active as XX/XX/XXXX and to contact the lender. I attempted to escalate my issue to supervisor/manager both time I was hung on and second time before the customer service rep disconnected the call she asked that I called back in a couple of hours because their system was down. I told her I would wait on hold until the system was working again but she disconnected the call. 

So I decided to attempt to reach out to the mortgage lender however, upon a XXXX I found that " XXXX XXXX XXXX XXXX was a residential mortgage loan originator and servicer based in XXXX, XXXX XXXX. As a result of its exposure to subprime lending during the subprime mortgage crisis, the company filed for bankruptcy protection in XXXX and underwent liquidation in XX/XX/XXXX. '' Equifax has violated Fair Credit Reporting Act ( FCRA ) by furnishing old information as new information and completely falsifying my dispute by stating the account was verified with a company that no longer exist. 

Additionally, I no longer can access the dispute results from XXXX it appears the company has deleted the dispute file within my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-05 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: STATE EMPLOYEES CREDIT UNION
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company STATE EMPLOYEES CRED U account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Ive personally been a client of American Express since XXXX possessing multiple cards including their highly touted XXXX  card. Ive never been late or close to it in those 15 years as a client. My employers company card is an American Express XXXX  card which allow me as an employee to use the card for business purposes only and the company pays the card balance. Evidently my employer paid some of the company credit card balances late in XXXX and American Express tacked on late fees to the balance. Please note every card transaction was paid by my employer but American Express continued to bill late charges on top of other late charges totaling {$520.00}, again all of this is late charges on a company credit card. Now American Express is coming after me for this balance After months of badgering me about a company credit card balance I regrettably gave in to the collection agency ( XXXX XXXX XXXX ) that had started reaching out to me on behalf of American Express. We had an arrangement, I sent the check as promised for the agreed upon amount and date Only to later find out that American Express had taken the account from this collection agency and gave it to another collection agency. This practice has continued over the past 4 months which includes 3 different collection agencies. Additionally XXXX XXXX hasnt cashed nor returned the check I mailed to them. 

I think these practices are unjust and unfair on multiple fronts and I would like to have these resolved as soon as possible : Why am I personally being billed for a company credit card where the transactions have been paid in full?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Credit management LP was contacted on XX/XX/2021 to provide verification and validation of the alleged debt. On XX/XX/2021, Credit management failed to validate the debt, and reported the alleged debt under dispute as valid on my credit report. The credit collection agency failed to legally cease collection efforts, and remove negative items placed on my consumer credit report. On XX/XX/2021, a second notice to cease any activity on my report, and delete invalidated debt was sent. However, Credit management LP failed to comply, resulting in violation of The Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My federally protected Consumer rights were violated because Equifax furnished false information without my written consent. I never gave Equifax any written instructions to furnish anything on my Consumer 's report. No consent is Identity Theft and infringement on my Consumer 's right to privacy. Based off Equifax violating my consumer rights I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX  and stress because of these results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I purchased an investment property with XXXX last XX/XX/XXXX. The servicing is done in MiMutual Mortgage 's website, payment comes my business checking account using XXXX Mortgage 's name in the transaction description and each statement has XXXX Mortgage 's name in every page. 

Their last statement was produced XX/XX/XXXX for payment due XXXX. I have been since XX/XX/XXXX calling them because they don't have my XX/XX/XXXX statement which should have been produced XX/XX/XXXX. In these last 3 weeks they have told they will fax it, they will mail it, they will email it, 2 hours, 2 days, 3 days, etc and while I have spoken to several managers and supervisors because every single promise has never happened so each time I speak to them they apologize for the inconvenience followed by suggesting they can only submit another request. Today is XX/XX/XXXX and I don't have XXXX 's statement either which was supposed to be produced XX/XX/XXXX. 

They have told me they had an issue with statements but we are now 2 full monthly statements not provided and 3 weeks of hearing the same I need a statement for a home purchase and even this does not motivate them to actually provide a statement, I have made all my payments including XX/XX/XXXX one even though I do not have a statement

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc.
State: OR

Complaint narrative:
on XX/XX/XXXX I received notice from my mortgage broker that there was a debt collection notice on my credit report which had dropped my XXXX credit score down to XXXX. 
The collection agency is Aargon -phone number XXXX. 
I contacted my credit monitoring company XXXX XXXX XXXX. Working with them we contacted Aagon, connected with a customer rep and was put on hold and then disconnected-this happened twice. I then called at XXXX XXXX, spoke with XXXX who said he had 30 seconds to speak with me then hung up on me as I was explaining the issue. 

The debt is listed for {$85.00} dated XX/XX/XXXX. I have not received any overdue bills or notices from this collection agency before today. I couldnt even find out where this bill was generated from. 

I am concerned that this agency is a scam and its about to significantly impact my interest rate and credit score.

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
On XX/XX/XXXX I received an email telling me my coinbase account password had been changed. I had not done this, so I called there support number. I was told by a recording that only card members could talk to customer service representatives. I locked my account through the recorded messages. I took the steps to recover my account. After they reviewed it they said they would would send me a verification code. The last 2 digits shown for the phone they where going to send it to where not correct. Somehow someone had changed the phone number on my account. There is no way to call customer service and talk to a representative. I have sent emails, submitted a ticket, and sent messages on XX/XX/XXXXand XXXX and I haven't heard anything from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I wrote a validation letter to this company to validate that the debt is rightfully belonging to me. 
I have not received anything validating that this debt is correctly mines. I have tried to dispute and I can not dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
In early XX/XX/2021 we were offered a XXXX XXXX VA Streamline Interest Rate Reduction Loan by Freedom Mortgage Corporation which we accepted. As of todays date, XX/XX/2021 this loan is not closed. We have made numerous numerous phone calls and sent several emails asking what is the problem. We are given the same 3 responses : 1. The loan must be sent to underwriting for review 2. The loan must be submitted for final approval 3. They must request an updated payoff They continue to pull our credit, send us emails and call us telling us to provide them with a payoff, or to contact them to schedule a closing only to repeatedly give us one of the above referenced reasons why they can not schedule a closing date. We are literally receiving 2-3 phone calls on the same day from different people giving us 1 of the 3 excuses why a closing can not be scheduled. Now, we are being told that because it is taking so long to close this loan the rate lock has expired and we will be assessed a XXXX  % fee to extend the XXXX XXXX rate. 

A VA Streamline Rate Reduction Loan is the simplest mortgage loan to complete and yet Freedom Mortgage Corporation will not close this loan. We believe that for some reason they do not want to honor the terms of the mortgage loan they offered us and are trying to irritate us to the point we withdraw our application.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I applied for a Chase Business Credit Card about a month ago. I was ultimately denied due to a couple of issue that were on my credit report. I had since resolved one of the said issues and was calling in to have that information reconsidered. The agent said I was still within the 30 day window during the call and she just need to resubmit for review and they would reach out about proof of the paid charge off I had settled. They never reached out, so I called to be told I was denied again. But, my complaint is that they did another hard pull on my XXXX credit report that I did not authorize. Like I told the supervisor " XXXX '' whom I spoke to, I would not authorize another hard inquiry from them, especially within the span of 1/2 months. If they pull their own recorded calls they would clearly hear I did not call to have my credit pulled again, I called to submit new information that should have gotten me approved. The latest pull from them I am disputing occurred on XX/XX/2021. It was not authorized and should be deleted immediately. It negatively affects me.

Company response to consumer: Closed with explanation