vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Goal Structured Solutions, LLC
State: PA

Complaint narrative:
I have just received my updated credit report and Launch Servicing LLC continues to the report to the 3 bureaus the debt that they claim to be mines, without any written letter or verification with my signature approving that this is my debt. I have written numerous letters asking them to verify this debt including any documents with my signature on it and they have not proven it. I have not received any response back in last 3 months concerning this matter and because this debt is not proven/mine I TOLD THEM TO REMOVE IT IMMEDIATELY OFF ALL 3 BUREAUS 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 2021-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been trying since XXXX/XXXXXXXX21 to get the funds from my IRA account at Capital One. On XX/XX/21, I called Capital One to ask how do I go about getting my IRA funds withdrawn so I can roll it over to another bank with higher interest rate. The lady said I would have to fill out an IRA withdrawal form. She sent me form by email. I filled it out and sent it back on XX/XX/21. Received email on XX/XX/21 from Capital One saying they received the form. I waited for money to be mailed to me. On XX/XX/21 via email I received a message for me to call them about IRA. So I called them that day. I was told I needed to check boxes on form as to whether I wanted federal or state taxes withheld and resend form back to them. So I did resend corrected form same day. Received email from Capital One on XX/XX/21 confirming receipt of withdrawal form. Waited for check, and as of XX/XX/21 still no check, so I sent an email to them requesting check and threatened to make complaint. On XX/XX/21, I called them again about IRA and spoke to XXXX, he said he would refer it to his manager, either XXXX or XXXX and have it expedited. On XX/XX/21 received email from Capital One confirming receipt of form and I should call them. I emailed and said I just talked to someone the previous day. On XX/XX/21, I called again and spoke to XXXX. He asked me to get the IRA form I submitted and then he asked what was my SS # and I told him, then realized the first 3 numbers were incorrect. I asked him why didn't anyone mention this to me before? He didn't know but he told me to fix SS # on form and resubmit it to them. He told me to call after I submitted the form. So I did. I think I spoke to XXXX and she said they did received form and that they would accept my updated form even though I hand wrote changes and did not initial. XXXX spoke to a manager and manager said check would be expedited. Probably mailed out Tuesday or Wednesday. I checked online and on Wednesday the IRA on my online account was still open and not closed. So I called again, on either XX/XX/21 or XX/XX/21. The person I spoke to said the check would be issued Friday, XX/XX/21 and mailed. The account was closed on XX/XX/21. Received letter in mail on XX/XX/21 that account was closed. But still have not received check as of XX/XX/21!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: MD

Complaint narrative:
This is XXXX XXXX. I am submitting on my own behalf. There is no other third party involved! I have previously submitted complaints and have gotten a response saying it was not from me. I have been reporting inaccuracies in a lot of my accounts on my report but I have not gotten any results or deletions. At this point nothing have been validated and should be deleted. As a consumer I am the only one that can validate any debt which I have not done, therefore I demand all accounts uploaded be deleted immediately! Please note that it has been more than 30days and as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I have been keeping careful records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: Park Hill Holdings
State: MS

Complaint narrative:
on XX/XX/2021 I mailed a letter about a questionable account on my credit report. It has been past the time that the FCRA allows for a copy of my and investigation report and I still haven't received any correspondence.

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 2021-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I was dealing with Quicken Loans/Rocket Mortgage on a refinance. From the beginning I was very specific about my situation and made them aware that I had a second mortgage on the home due to a loan modification a few years back. I was very clear with them about my intent to refinance in order to pay off this second mortgage. From the beginning I was told this was not a problem and that they could make it work. They made me pay {$500.00} for an appraisal of the home which came back with mistakes. One bedroom was missed, the central AC unit was not noted and the report indicated I have a drop stair attic which is not even true. After jumping through many many hoops, 3 weeks after the process start I was contacted by one of their supervisors to let me know they had found something when they pulled the deed of the house. They had found a lien/second mortgage on the home. I was baffled and confused because they were aware of this and this was the whole purpose for the refinance. Not only that, they had already pulled the deed on the home 2 weeks before this and were aware. I was told by this supervisor that in order to make the refinance work I now needed to pay off this second mortgage to the tune of $ XXXX. They essentially wasted my time and led me with deceptive practices to try and make this deal. I would like them to refund me the {$500.00} I spent on the useless appraisal with partial and incorrect information. Its crazy how companies can do things like thi to people and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I was made aware that a company called avante reported a balance of XXXX  dollars to my collections account. This account is not mine, I was never sent any bills informing me that I owed this company a balance, thus not giving me an opportunity to pay it. However, this account is not mine. If, by any chance, this bill is mine, Avante reported this balance to my account never ever having sent me a single bill, thus deprived me of the opportunity to pay it and went directly to report this balance as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I am contacting for assistance with this matter that has put me in a deep whole through no fault of mine. We purchased our home in XXXX of 2019 loan done by United Wholesale Mortgage the company was collecting {$630.00} for escrow which included taxes, insurance, and PMI. It Should have been {$950.00} monthly which we just discovered when we met with a loan officer. On our settlement statement they only collected {$290.00} monthly for my property taxes when in actuality the tax bill was for a total of {$6800.00} XXXX monthly. This caused us to fall into a deep hole which the company could never resolve. Then we were sold to another servicer XXXX XXXX who collected the lower amount and put us deeper in a whole. We received a new statement with a total mortgage due of {$3400.00} for the shortage that they did not calculate correctly. This has caused us to be late and now we are 2 months behind and reported this on our credit during the moratorium

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX my vehicle was involved in an accident and declared a total loss on XX/XX/XXXX. My insurance agreed to a settlement amount of $ XXXX. XXXX insurance agreed to cover the remaining balance on my loan. My insurance mailed the check on XX/XX/XXXX. It is now XX/XX/XXXX and XXXX has not acknowledged payment from my insurance on my account to close the loan out. I have now called 5 times to inquire on the status and every single time, the employees are unhelpful, inept and do not have a resolution. They simply state I have to make payment on the loan, yet I have not been in possession of the vehicle for over a month now. I also emailed their Total loss department directly, and surprise, no response from them either. Based on reviews online, this seems to be a recurring pattern with them. I want this loan closed and removed off my credit, as it is now affecting my refinance process on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank has not been protecting my account for a year now. XXXX XXXX has fraudulently overcharged my card an kept deposits that Citibank knew about the whole time, I tried to dispute an Citibank took my money instead an made me pay back the continuous overcharges XXXX  kept doing. XXXX is somehow connected to Citibank an keep charging my card an causing issues with my account that Citibank fails to do anything about. I paid my {$720.00} on my account and Citibank took my {$720.00} an dropped my credit limit to {$300.00} as a penalty an stated I have not made payments in time when my account with Citibank always has been in good standing I have always made my payments on time I have 20 payments made in time before XXXX  fraudulently started charging my card. After me paying someone is still charging my card while my card is locked an Citibank is trying to make me pay on my account after I paid {$720.00} to my account. The customer service representatives are rude an always yelling in the phone m, because Im concerned as to what is going on with my account. XXXX XXXX  keeps attacking me by attacking my account an harassing me. I feel like my credit limit was never dropped an someone is charging my card an Citibank has possibly certain employees who are fraudulently causing these acts to my account for 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 2021-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to XXXX. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

-XXXX XXXX- The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

-XXXX- I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

-XXXX- I disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.

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 2021-04-24 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: WA

Complaint narrative:
I have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to XXXX. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

-XXXX XXXX- The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

-XXXX- I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

-XXXX- I disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.

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 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: CA

Complaint narrative:
I have been receiving fraudulent XXXX invoices to my address claiming I owe a balance for an account that I do not have and for services I did not use. 

I called XXXX customer service with the information and was told that there is no such record in their system and that I can disregard it. 

I have now received a Collection Notice from a company called Synter Resource Group, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Customer Account:XXXX File Number : XXXX Amount : {$140.00} Addressed to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX Please review and advise at your earliest convenience. I have also contacted XXXX fraud department with this same information Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX  and Equifax are reporting a child support debt office of Atty gen XX/XX/2021{$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
In XX/XX/2021, Navy Federal Credit Union and I agreed on a payment plan with a reduced interest rate and the closure of the credit card. At this time I also requested paper statements. Paper statements were never sent. I regularly checked my account online for updated payment amount and due date information. I made multiple payments in XXXX and XX/XX/2021, which were not applied correctly. One was for the amount for the amount of {$4000.00} and one on XX/XX/2021 for {$200.00}. The latter payment was paid AFTER the forgiven XXXX due date and should have been posted to the XXXX payment amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have XXXX credit score with XXXX  and XXXX! With Experian it is ( 8 ) 10 times I have tied to get it right with no results

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 2021-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On Thursday XX/XX/XXXX at approximately XXXX hours, while checking my credit score and showing me that I own a loan of {$3900.00} from XXXX XXXX  XXXX XXXX XXXX. I looked online and I found their number and I called. The agent from XXXX XXXXXXXX XXXX, informed me that I took a loan ONLINE from XXXX XXXXXXXX XXXX  of {$3000.00} on XX/XX/XXXX and the money was deposit on a bank account call XXXX XXXX XXXX and the 4 number of that account are XXXX and the scammer use my first and last name to created an email address ( XXXX ) I NEVER HAVE ANY EMAIL ADDRESS WITH outlook. That is the only information I have from the loan company. Please help me by taking care of that as soon as possible please. 

Please Note that I Sent this report to IDENTITY THEFT ONLINE ON XX/XX/XXXX @ XXXX XXXX. My receipt number is # XXXX Hello, I'm having trouble to verified my Identity, after being on the phone for hours with one of the representatives of the unemployment agent he could not verify me with the information that I provided. I filed a claim on XX/XX/XXXX after I entered my social security number, the system informed me there was a claim open under my social security back to XXXX, and I called to report right after I finished completing the employment application. Today I called unemployment to find out about my status and the agent could NOT verify my information even with a bank account, the agent sent me a link to complete a personal verification through my email. When I clicked on the link even using my cell phone and manually typing it into the search bar on XXXX XXXX, along with XXXX XXXX. It would display a totally different web page than what the unemployment agent was seeing ( XXXX XXXX XXXX ). When the unemployment agent sent me to login on XXXX so I can access my account. The page asked me for a PIN but I was never issued a PIN number. After entering my SSC to receive my PIN to my email address, an entirely different email address popped up that does NOT BELONG TO ME at all ( XXXX ). My correct information should be the following : Please Help Me Resolve this Issue. My ticket number ***** from XXXX Member Support. I also sent a report to Department Of Highway Safety And Motor Vehicle Division Of Motorist Services. This two reports that I sent, it just to show that I've been give update to collection company and the credit bureaus. I'VE BEEN A VICTIM OF IDENTITY THEFT. ( SOCIAL SECURITY NUMBER )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: AR

Complaint narrative:
A consumer finance account XXXX  is wrongfully being reported on my Experian report. I have no knowledge of such an account and have disputed it with Experian yet they have refused to remove it. This is a fraudulent account and I want it removed!

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 2021-04-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
As a result of Covid-19 economic situation, i paid my XXXX credit card just 1 day later. After that I call the companies, the said to me, that acording with Care Act, they gon na be able to remove the late payment. This happen on XX/XX/2020. Until today this bad report on my credit, even i made an extraordinary effort to paid my card in full. I spoke to the company in multiple ocasion, they dont care about the situation! please help 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