vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/2020, I C SYSTEM INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I C SYSTEM INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2021-01-27 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: WV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Galaxy Capital Acquisitions, LLC
State: OH

Complaint narrative:
I received notification from my employer via USPostal service, that my wages were being garnished beginning XX/XX/XXXX in the amount of 25 % to a debt that I know nothing about. There was a hearing sometime in XX/XX/XXXX, which I never received any type of notification of, and the judgement went to this debt collector whom I have never in my life signed a contract with for any type of services. From what I could tell by what was sent to me by my employer, they received notification from the XXXX County Municipal court to garnish my wages to be paid to Galaxy Portfolios , LLC, c/o XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, which had apparently filed a claim in XX/XX/XXXX, saying that I owed them something like {$7000.00}, which I have no knowledge of this nor have I ever signed a contract with any of these companies. From that judgement in XXXX, they have now filed saying I owe over {$18000.00} for what I have no idea, and have won a garnishment due to falsely sending notifications to an address that I do not have, under a married name that I have not had since XXXX when I got divorced!!!! This is such a violation!!! they are now taking money from my paycheck, that they falsely have obtained through unfair debt collection!! Please HELP!!!!!! During this time of COVID-19, I can not afford to be abused this way!!! I was never contacted regarding the initial judgement 20+ years ago, had no idea of anything about it, until the garnishment came from my employer with copies of the paperwork they were sent. I've never known anything about any of this, had I, I would have had representation and fought for my rights! They did not send the notice of hearing for the garnishment hearing or whatever it was, in XX/XX/XXXX, so I had no way to know to show up! This is how they win by being deceitful! I do not owe them any of this money and they are taking it from my pay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2020, my Citi Premier Card was used by someone unauthorized to make purchases at a XXXX XXXX for the amounts of {$1500.00} twice. I never received a fraud notification via email, and it was not until I check my statement online that I found those transactions posted. I called Citi Bank immediately to report them as fraud given that my credit card was nowhere to be found. Citibank started the process of investigation on these transactions, and about three weeks later they concluded that due to a confirmation of an email verification being sent to me the day those transactions were made, they denied crediting my account for those amounts, therefore, I will be held liable for them. 

I explained via phone call and email that I never confirmed such email verification, and that I've been having some problems with my email since I was being subject of hacking to my personal laptop. They continue to deny the claim and they refuse to help me appeal it. I have written an email to the operations manager, and called many times explaining my situation BUT all they say is that the case is closed and that I will be responsible to pay for those transactions. Ultimately, every time I call they leave me waiting on the phone for long periods of time, and basically there is no other option for them to offer at this time. PLEASE HELP!

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 2021-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX both my husband and I received mail from AmeriSave Mortgage Corporation stating that in regards to our home loan application they preformed at soft credit pull and here is what they found. The letter included our credit reports. I immediately called the company because I was concerned that someone was trying to obtain a home loan with our information. I spoke with a XXXX XXXX and told him what was received in the mail and explained that neither my husband nor I applied for a home loan. He then started telling me that on XX/XX/XXXX around XXXX my husband clicked on their website and filled out our names, address & dates of birth. He then said that he clicked that he was tied to the military. I once again said that neither my husband nor I accessed their website, but clearly someone did. He asked for my email address so that he could send me what their website looked like so as to jog my husbands memory. I said, Sir ... we most certainly are NOT looking for a new mortgage. Someone is using our information and I am trying to clear this up. Do you have a fraud department that I can speak to? He diverted my question and kept reassuring me that it had to be my husband. He then asked what military discounts are we getting with our current mortgage and what our interest rate is. At that point I started to think that the letters in the mail were a deception to get us to call. I asked him again to speak with the fraud department since he was unable to assist me. He transferred me to customer service that never answered the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Due to the COVID pandemic, I suffered financial loss in being laid off. I applied for forbearance of my mortgage load. From XX/XX/XXXX Through XX/XX/XXXX. In late XXXX I called the loan servicing company United Wholesale Mortgage to talk about next steps. Specifically, I was curious about the qualifying factors for deferring the balance to the back of the loan. I was placed on hold for an hour and did not get a response. 

I called back the following day, and was told that my account and the balance had been placed in deferment ; which I did not request. I was told then, that it was a mistake and was taken off deferment and I chose to continue forbearance for an additional 3 months ( XXXX ). 

In XXXX  XXXXI got a letter saying my payment was due and the balance from the original forbearance was deferred. Confused because of the conversation I had I called and asked to clarify and to speak with a manager. I was told a manager would call me back. No one ever did. I called again about a week later and again no one called me back. 

In XXXX  XXXX/XXXX  XXXX I got a call back from management. I spoke to XXXX, employee ID XXXX. She assured me that she would fix the deferment issue and cancel that request that was never made. She would send me a letter explaining that it was fixed and would make sure that XXXX would also be in forbearance. 

Additionally, throughout all this time, they have reported me to the credit bureau twice when part of the CARES law says that homeowners in these situations would not be reported to the credit bureaus. 

Furthermore, I got a call from XXXX employee ID XXXX on XX/XX/XXXX, reminding me that my forbearance would end on XX/XX/XXXX. I asked if I already had a balance in deferment and she explained I did. I never got the letter XXXX promised and the issue was never fixed. XXXX said she would escalate the issue and get me a call back. No one called. 

Finally, I called on XX/XX/XXXX to confirm that my option to defer the balance and begin paying on XX/XX/XXXX.I spoke with XXXX and Now I am being told that deferment is not an option because I already deferred a previous balance. This is ridiculous! Im being given the run around and no one is helping. 

I have asked them several times to speak to management and I am only told that they will call me back and they havent. The only time someone supposedly did with XXXX the manager did not do anything that they said theyd do. Supposedly all calls are recorded but only management can listen to these calls. 

All I am asking for ; is for all balances from XX/XX/XXXX-XX/XX/XXXX be deferred to the end of the loan. Thats all I need. My hardship is over, and I am ready to start paying. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo placed hold on {$3000.00} check even though the check cleared the other financial institution. Wells Fargo is giving very poor excuse that my checking account had overdrafts in past 6 months but whether an account had overdrafts or not has absolutely nothing to do with whether a check is good or bad. Once the check clears ACH Clearing House overnight then Wells Fargo can confirm the check is good. We have also contacted the other bank and they confirmed it has cleared. I have never has a returned check in my life for deposit with Wells Fargo. Wells Fargo has no business placing hold on a good valid check and using irrelevant reason of overdraft as reason for hold. One has nothing to do with the other. Wells Fargo is displaying extremely poor judgment especially now during Global COVID 19 Pandemic. Wells Fargo does not know or care if I have bills that need to paid, or need to buy groceries or go to doctor. Wells Fargo should not be doing this any to customers. Wells Fargo should be ashamed of themselves.

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 2021-01-27 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: CA

Complaint narrative:
I have requested a verification with Experian multiple times of the reporting of a chapter XXXX bankruptcy ( Chapter XXXX Bankruptcy # XXXX ). They have reported that they have conducted an investigation which left the item unchanged. 
Experian is reporting that the item was filed XX/XX/XXXX. Also show that it was discharged in XX/XX/XXXX. 

I have concluded that this item isn't mine and that this item is being reported inaccurately. First Chapter XXXX filing are discharged generally within 60 to 90 days after first set meeting of debtors. Within 21 to 40 days there needs to be a meeting of the debtor and creditors. 

I list these items which first are in conflict with what Experian is reporting on my credit file. If there is an investigation conducted this should be corrected that the item was either filed XX/XX/XXXX which indicates that it being discharged is inaccurate due to the law for Chapter XXXX filings, are that the item was filed in XX/XX/XXXX with no indication of when the item was discharged. 

They also claim in verifying the record that they contacted XXXX XXXX ( from a previous request for verification ) which contacted XXXX XXXX and XXXX which both indicated that my credit file was frozen from a previous identity thief attempt. And that Experian would need my permission to access my credit file with both vendors. I have not given any such permission.

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 2021-01-27 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting an erroneous debt on my credit file and it must be removed. They are reporting several medical collections on my credit and they have all been paid. I was told they would be removing the collections from my credit but they have not done so. I have never signed a HIPPA release form for you to even report these accounts. They are therefore invalid and a HIPPA violation. They must be removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My home loan with US Bank was in a forbearance period due to COVID-19. I obtained a 6 month forbearance. The forbearance period ended on XX/XX/2020. I contacted the lender three times in XXXX. On XX/XX/2020 I was approved for a PAYMENT DEFERRAL MODIFICATION. I chose that the 6 months of forbearance mortgage payments to be added to the end of the loan period. I also let them know I was ready to resume regular monthly payments. I let them know that I did not want to refinance the loan nor was I seeking mortgage assistance. I was informed that I would receive documentation in the mail noting the approved payment deferral modification and that all would be settled responsibly. Furthermore, that the loan status would change and that the loan would not appear in forbearance any further. 

This did not happen. I have not spoken with 20 different bank employees in their Loss Mitigation Department ( XXXX ext. XXXX ), on 10 separate phone calls. 
Every time I call, they give me a different response to the situation. I tell them that I have already been approved for the solution that was agreed upon and that I just want to complete the process so that my loan status changes to NORMAL. They always tell me that the problem was that one of their employees gave me erroneous instructions and that there is a loan assistance application is in their computer system. That this erroneous application needs to be deleted from their computer system so that the agreed upon loan payment deferral modification can be completed. They promise that they will complete this task within a few days but it is never completed. I ask to speak with a department manager and they tell me that they don't speak with the public. I ask them if I can speak with the person ( s ) that are responsible for deleting this erroneous application from their computer system. They tell me that those people don't speak with the public. I ask them if they can delete this erroneous application file from their computer system and they say that they don't have that type of access to their computer system. I have run out of options hence, why I am filing this complaint.

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 2021-01-27 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a dispute to Transunion on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being 4. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open XXXX - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed TransUnion - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is 4 with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX XXXX and ended up filing a CFPB complaint # XXXX-XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX XXXX XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.

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 2021-01-27 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
SunTrust Bank placed a negative hit on my credit report. My former husband illegally obtained a equity line of credit on a rental property that we owned with out my permission. He did this with the bank employee who was also the notary. The property eventually went to foreclosure and I was not able to make the payments due to the 2 mortgages on our primary home. My former husband abandoned me and left me with all the debt. All I am asking is for SunTrust to remove the negative credit hit so that I may move forward with a refinance on my home. They refuse to comply. I have sent them documents to support my case but they still refuse. I have sent them the following : a police report, an identity theft report, a deposition excerpt from the notary who admits she never saw me sign the equity line of credit. The property after a year went to foreclosure and then auction. SunTrust was fully paid the amount that was due on the loan. I have the letter of satisfaction. I also have a letter explaining my situation that I sent to SunTrust.

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