vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 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:
XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX Equifax, and XXXX  correct and remove this inaccurate info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
I reviewed a current copy of my credit report and show that items listed are incorrect and viloations due to FCRA and also FDCPA. The alleged account AARGON AGNCY ( Original Creditor : XXXX XXXX XXXX. Account number listing on my credit report is XXXX. I attempted to contact the debt collector with no successful of showing that I owe any alleged debt and I also contacted the credit bureaus that reflect such alleged debt and neither have relied and is over 60 days and is a direct viloation of FRCA. Also, I understand per the law that a collection/charge can not report and open balance and must report as {$0.00}. This alleged debt is showing an open balance in the amount of {$1900.00} which is a direction viloation of FDCPA. Please delete this account.

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 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to withdrawal {$300.00} from my checking account and Chase told me my account didnt have enough money. I proceeded to check using my mobile app and add the missing {$30.00} needed to withdrawal {$300.00} and when I went to complete the withdrawal it say my account once again didnt have any money. I checked my account in the chase app once again and this time it showed me a withdrawal of {$300.00}. The ATM never gave me any money yet it was taken out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
I reviewed a current copy of my credit report ans show incorrect information alleged listed. Account name AARGON AGNCY ( Original Creditor : XXXX XXXX ) and account number XXXX is alleged to show a hospital collection which is a direct viloation of HIPPA . I have not given any consent to review hospital or my personal information. I attempt to acocunt collector with no reply to confirm debt and I also reached out to credit bureaus with no reply which is over 60 days old and is a direct violation of FCRA and FDCPA. Also, this acccout is showing and open balance of {$1200.00}. Which I do know per FDCPA that a collection/charge off is to report a {$0.00} balance. Please delete this account.

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 2021-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My husband had a reduction of pay due to COVID by the State of CA and the pay cuts are still being decided upon. 

We decided to refinance the house in my name only because of his issues with Student Loan. 
The original loan for the house is with NFCU and is with XXXX XXXX in my husband 's name only. 
We explained this to NFCU when we were obtaining our loan. 

NFCU then refused to honor the 2.5 % after they neglected the loan that would have been part of the CARES ACT, we would have refinanced the loan in my name doe eliminate the student loan issues of forebarence. 

Therefore NFCU needs to honor the 2.5 % by either adjusting my husband 's loan to 2.5 % or putting the loan in my name at 2.5 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CT

Complaint narrative:
Experian is furnishing reports from XXXX XXXX company on my credit profile and I did not give Experian permission to do so. According to the law ( 15 USC 1681b ( 2 ) that states " In accordance with the written instructions of the consumer to whom it relates. " ), Experian has to have my permission/ instruction in writing to furnish reports, which I have never provided them 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 2021-05-23 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: GA

Complaint narrative:
For the last several months, I've been trying to get Experian to remove a bankruptcy that was verified through XXXX. XXXX has removed this bankruptcy from my report, however, it's still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: NV

Complaint narrative:
I reviewed a copy of my credit report and show incorrect information listed. This collection account has been satifed and paid in full. The collector advised that they will remove account. Please delete account due to make all payment successfully. Account name is XXXX ( Original Creditor : XXXX XXXX XXXX ) and account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I contacted this company twice more than a year ago by phone inquiring about a letter I received about a debt that was closed and discharged in a settlement agreement. Upon calling, I was told on two separate occasions, that I do not have any collections accounts when I provided basic information. They said there was nothing in my name. Now they are reporting it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: NV

Complaint narrative:
I reviewed a current copy of my credit report and show incorrect information listed. Account name is XXXX XXXX account number is XXXX. This account has never been paid late and is reporting late payments on account and I attempted to have account reviewd with no reply and past more that 98 days. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: NV

Complaint narrative:
I reviewed a current copy of my credit report and show incorrect information listed. Account name is XXXX XXXX account number is XXXX. This account has never been paid late and is reporting late payments on account and I attempted to have account reviewd with no reply and past more that 98 days. Please delete this account.

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 2021-05-23 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo is inaccurately reporting information regarding this debt including amount owed/date of last activity/ Date of First deliquency. Furthermore, this debt was discharged by the company and removed from one credit report but not XXXX or XXXX. It was also moved from the individual who opened the account credit report. I have disputed this a number of times but the company has not responded or tried to rectify. At one time they were duplicating this account on my credit report although the obligation for this debt has been released.

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 2021-05-23 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: CT

Complaint narrative:
Equifax is furnishing reports from XXXX XXXX XXXX XXXX, but i did not give Equifax permission to do so. Pursuant to law 15 USC 1681b ( In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) Equifax has violated my rights and broken the law because I have never given Equifax my written instruction to furnish this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NM

Complaint narrative:
I recently refinanced and the mortgage company calculated the amount of escrow needed and deposited the amount needed for reserves as well as began deducting the amount needed to pay escrow in full based upon total amounts of taxes and insurance. Last month, I received a notice notifying me of an escrow shortage advising that my payments would rise to cover a shortage of {$3400.00}. By utilizing simple arithmetic it is clear the amount reserved and escrowed is sufficient to cover the amount needed for total escrow as well necessary reserves. The process used by Amerisave fails to consider pre-paid taxes and insurance and lender credits. Items that were paid at the closing of the refinance. Upon speaking with multiple representatives, I learned that the calculation is part of a systemic process. The net effect of the methodology is that it requires borrows to pay surprise fees in excess of the amounts agreed to and disclosed in the closing statements. It is a systemic process according to Amerisave officials that could have the tendency to force unwary borrowers into paying higher mortgage payments than are agreed upon or are necessary to meet required escrow expenses and reserves. It goes without saying that many unsophisticated borrowers could be forced into default because of this practice. The sophisticated and systemic methodology is deceptive in nature and because it is systemic can not be addressed by call center personnel according to the multiple representatives I spoke to.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I have contacted the below companies requesting detailed information regarding the alleged debt owed. 

I never gave XXXX XXXX XXXX or XXXX XXXX permission to release my information to a third party. I asked the collection agencies to provide proof that I signed documentation releasing my personal medical history. I also forwarded a copy to the credit bureaus and they did not follow through with the proper investigation. XXXX XXXX XXXX and XXXX XXXX refused to contact the insurance company to receive payment of services yet has elected to push the responsibility on me. I provided the information from XXXX and they said they never heard back to send payment information. I have attached proof from XXXX regarding my hospital claim for XX/XX/XXXX. 

The collection agency did not provide proper proof as requested in detailed letter dated XX/XX/XXXX. This was my third request. I have attached the documents I received regarding XXXX  XXXX. I never received any follow up information from XXXX XXXX or 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 2021-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have told this company dozens of times they do not have the right phone number for the debt they are trying to collect on. It doesnt belong to me- and I continue to fight it. Further, they have required me to download and pay for call filtering apps to stop their INCESSANT phone calls. I tried complaining previously that they call me repeatedly after asking them to stop. But their response was we are not authorized to speak with the CFPB because person has not authorized us to do so. How am I going to authorize anything when I told them to stop contacting me by phone and I will only accept things by mail? In writing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a complaint on XX/XX/2021 to have equafax remove a fraud alert that I did not request off my credit report. Since I have filled my complaint they have now placed another fraud alert on my credit report and stated they have forwarded it to XXXX, and XXXX. Ii did not ask for this and want it removed and for them to leave me alone. I WANT THE FRAUD ALERT REMOVED ASAP THIS IS RIUENING MY LIFE AND I CAN NOT GET CREDIT BECAUSE OF THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I called to speak with them, I told them I wasnt able to pay what they were asking at the time and they said it would negatively effect my credit if I didnt pay. I ended up paying in full.

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 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited cashiers check for XXXX to Bank of America on XX/XX/2021 to the landlords account she provided me with, I was going to rent a house from. It turned out to be scam, and the house is not available for rent. Someone named XXXX XXXX and XXXX XXXX ( realtor ) reached out to me after my application and sent me rental agreement and asked for the deposit to secure the rental. These people are scam. There are few more families that they fooled. The house is occupied by the owners, and they stating that we are the fourth people coming in and telling that we have rented this house. I called BOA today and they told me to go to my bank XXXX. XXXX told me that they are not going to open a claim because I purchased cashiers check myself and deposited it to XXXX account. Please help me. My family with XXXX children is literally homeless now. Not enough that we lost XXXX XXXX we also dont have a house to move in, and I even had to cancel moving truck today, and lost another XXXX there due to my cancellation

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 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Crossroads Systems Inc.
State: OH

Complaint narrative:
In XX/XX/2021, I applied for a much needed XXXX loan and was approved by a company called XXXX. I signed the documents on XXXX and was funded by Capital Plus Financial. The money was sent to my bank by XXXX on XXXX but was rejected due to the exceeded amount. It was returned yo XXXX same day. I have been reaching out to them for almost a month now including submitting tickets but they have not responded so far. I have went to their website but they dont have a phone number listed. They have in their site that when a situation like so occurs, they will follow up to update the information but I have not received one response from them. I have reported it to the XXXX XXXX XXXX. Please help me recover the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: GA

Complaint narrative:
I have reached out to Equifax & XXXX  regarding unauthorized inquiries reporting on my credit report several times. Customer service would not help take care of negative accounts. I have written letters and also called as well, XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO
State: AZ

Complaint narrative:
First bank in Puerto Rico, Loan officer XXXX XXXX XXXX and processor XXXX XXXX were Non responsive. I started this deal in XXXX and XXXX approach and still no closing in site. Emails, calls and text often unanswered despite me submitting any document request in a timely manner. Below is the email I sent them ( No response by the way ) " Feedback is a very important part of improving your business. This is why I am taking the time to write this email. 

Transparency is very important when you do business. Responsiveness is a very important to doing business. I am sorry to say neither of these have been characteristic of your Bank managing my account. 

I need to take a moment to voice my frustrations with your loan process. I have closed approximately 10 loans in the last few years which has included 5 rentals properties ( XXXX each ), 2 primary residences ( XXXX and XXXX ), 2 refinances ( XXXX and XXXX ). I am VERY familiar wth the process. Even during Covid I had a 30 day close on a property. I have never had such difficulty in communicating and closing a loan such as this, I have never had to " withdraw '' an application to convert the deal to a cash purchase. I am grateful that I have the resources to convert this to a cash purchase to avoid losing the deal but I am very dissatisfied with First Banks responsiveness all around and the manner in which you conduct business and managed my account. 

After numerous emails, phone calls and texts. many of which went unanswered, I had to make the decision to find alternate means of make the deal work. I have provided every document requested in a timely manner despite my busy schedule. 


Rest assured that as I continue to do business in Puerto Rico and invest in real estate, First bank will not be my first option nor any future recommendation to any of my colleagues or others. It is unfortunate we came to this point and please understand, my issue is not that you did not complete the loan ( I was NOT declined ) it is ultimately the manner in which you have conducted business. 

This was not a million dollar deal but in the loan industry any size loan matters. Your company and its representatives lacked the attention to detail necessary, responsiveness and communication to make this process efficient and see it to completion. I have had to resubmit many documents even though when I was asked I typically submitted them within minutes. 


In closing, this was my first transaction using a PR bank and I hope in the future I may have a better experience as I am committed to investing in PR. I hope this letter serves you with information you may use to serve your future clients better and improve your processes. ''

Company response to consumer: Closed with explanation