vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I sent a certified dispute and debt validation letter to the collection company asking them for debt validation. The company did not respond to my complete lines of request. The collection company did not follow any FCRA requirements. The collection company flagged XXXX before sending me anything back in writing. I checked my credit information a week ago and to my surprise a collection debt in the amount of {$6800.00} is in my credit report. I know my rights as a consumer. I have a positive history of paying my bills on time. This company has called my phone repeatedly and my relatives cell phone non stop after I asked them to stop. No debt validation information was sent to me at all nor was there any legal contract between the collection company and myself stating that I owe them. This company simply placed this collection in my report without any debt validation and it is a violation.

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 2021-03-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
1. Received an email that my score has dropped XXXX points today XX/XX/2021 2. Called Experian and spoke to their membership department they could not help me and was tolled that the hard inquire did it. 
3. I Asked to speak to a supervisor and still same result and was tolled to call FICO 4. Called FICO and was tolled that they only monitor there customer credit and that they have nothing to do with score 5. Called back Experian and requested to speak to there Dispute department and was around 25 minutes in talk and nothing can be done they asked for my phone number and was tolled that they will get back to me and that nothing they can do for me.

6. Before hanging up I ask to accept a complaint in reference the XXXX point drop and to give me a reason or explanation to why my score dropped XXXX points they will not and refused to take a complaint or investigate. 
7. Need of your help thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2021-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CUSTOMERS BANCORP, INC
State: NJ

Complaint narrative:
I applied for a PPP loan with XXXX on XX/XX/2021. This was basically the 1st day I could apply for my business. 2 months have gone by & there have been nothing but problems. XXXX is stating they are getting the loan through Customers Bank however today I was notified that there is no loan! This is after they made me jump through hoops for all kinds of additional information that was never requested or required of me from the beginning. None of my counterparts that filed for PPP loans had to submit close to any of the information I had to submit. Everyone I know that submitted an application for a loan was funded a long time ago. I am a real small business & I don't see any of the large businesses or the larger loans being denied. This is complete fraud & discrimination.

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 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
I reached out to NATIONWIDE CREDIT & COXXXX to request a contract or a an agreement in regards to the debt that they're trying to collect.. because I have never had a contract nor an agreement with them. They have not contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: UMB FINANCIAL CORPORATION
State: CO

Complaint narrative:
To Whom It May Concern, I recently closed my HSA with UMB Bank. The account was opened with my previous employer XXXX XXXX because it was the only option for their HSA. I didn't have a choice of banks and not opening an account meant forfeiting my employer 's HSA contribution. 

When I changed jobs, UMB Bank started charging {$2.00} per month for a " service charge '' and an additional {$3.00} per month for an " Investment Account Administration Fee ''. I managed my own investment for the HSA account by choosing low-fee Vanguard funds, so I am not aware of what " service '' UMB Bank was providing for the money.

Once I realized how much money was wasted per year on these " services '', I chose to transfer my balance to another bank that has {$0.00} service fees for an invested HSA account. However, UMB Bank charged me {$25.00} for a " Closure Fee ''. Charging an account closure fee for an account open for several years and which I never had an opportunity to opt-out of is not reasonable. 

I have contacted UMB Bank twice to request reversal of the account closure fee. In the first call on XX/XX/2021, a UMB Bank representative said they had an account closing document signed by me that included the {$25.00} closure fee. I requested they email it to me. The document they emailed was from XXXX about doing an account balance transfer and did not include any language about an account closure fee for UMB Bank. In my second call on XX/XX/2021, UMB Bank insisted they could not reverse the closure fee. I informed them at that time that I would file a complaint with the Consumer Financial Protection Bureau. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I requested PMI be cancelled on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, I requested a statement showing what my previous PMI payment was prior to it being cancelled. I never received a response. I also called to obtain that information but the representative I spoke with could not tell me. After cancelling my PMI I expected my mortgage payment to be slightly reduced, but I have continued to pay the same amount ( XXXX ) for XXXX, XXXX, XXXX and XXXX. I have been unable to get answers from the Loan Servicer. None of my statements reflects the amount of PMI I was paying. I don't understand why no one can tell me how much I have been paying in PMI. I should be owed a refund of any PMI payments that I have made after PMI was cancelled. I filed a complaint with the XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, but have yet to receive a response even though the deadline was XX/XX/XXXX. After filing the complaint I interestingly enough did receive an escrow analysis document informing me that my payment would be increased beginning in XXXX. But that still does not account for the payments I have made this year that apparently included PMI even after it had been cancelled. My mortgage is currently serviced by Lakeview Loan Servicing.

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 2021-03-29 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: TN

Complaint narrative:
I am a victim of XXXX. As soon as the pandemic started in late 2019, I was XXXX  and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TN

Complaint narrative:
I am a victim of XXXX. As soon as the pandemic started in late 2019, I was XXXX  and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of 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 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
New American Funding refinanced my property in XXXX. They were to refinance my home and 1 acre of land. Instead they refinanced my home and added 10 acres of land. I discovered this when I was looking to sale 5 acres of the 10 acres of land.

Mew American Funding stated they had accidently tied 10 acres to my mortgage, and offer to do a " release of lien '' for me in XXXX of XXXX. They seemed to have many problems, and in XX/XX/XXXX asked to do a re-fi again because of the problems with the release of lien.

After 5 surveys, 2 appraisals and credit reports. New American Funding stated that we were ready to close on XX/XX/XXXX, BUT I had to pay off a Loan of {$7100.00} in order to get the deal done. I told them I had to take the monies from my retirement account to pay off the loan, and I had 90 days to put the monies back in my IRA Account. SO i told them I would not do it unless this was a guaranteed re-fi. They stated it was, in writing and to pay off the loan. So on XX/XX/XXXX, I received the funds and paid off the loan. I was then told I had a closing and signing date of XX/XX/XXXX. BUT then on XX/XX/XXXX the day of closing, New American called and stated I had to pay {$10000.00} more in debt, and verify I was not paying for a car I had co-sign for. I had done all of this on XX/XX/XXXX. But XXXX the loan officer said they did not verify anything, and now needed to redo it. 
I re-did all their needed information, and then they stated I did " not qualify '' and I was out of luck. I told them I had spent {$12000.00} on Surveys, Appraisals, and a loan pay-off. And the Senior Vice President said " Too Bad ''.

I need some type of assistance in the mistreating of a customer which has never been late or missed a payment. And because of their mis-handling of my mortgage, they have 10 acres of land and my home on a Mortgage of {$190000.00} which is worth {$470000.00}. Because they did not do their job correctly. 

New American Funding - Senior Vice President XXXX XXXX XXXX @ XXXX XXXX Please Help solve this issue. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Disputes were filed for two fraudulent charges in the amounts of {$5.00} and {$800.00}, both from XXXX XXXX XXXX XXXX on same date, do not have date available to me at this time. According to live chat rep, XXXX, the dispute amount of {$5.00} was closed out in my favor. However, the additional disputed amount of {$800.00} was closed in favor of merchant. I requested copies of both notices for respective charges, the rep stated he does not have an option to resend to me. I need copies of these notices for my record and police report ASAP. If copies are not available, a letter from Citibank detailing both charges and respective outcomes will suffice

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 2021-03-29 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:
Ive been a victim of identity theft, Ive sent FTC report to both Equifax and XXXX. The following account doesnt belong to me. Please see attached copy of FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
The account they are trying to collect has 2 different collection agencies trying to collect on the same account those collection agencies are Persolve and Account resolution. XXXX is the original and its been 6 years since they repoed they car also I only owed XXXX and something on it at the time it was repoed they sold the car for more than what I owed and are still trying to collect XXXX this needs to be removed from my credit ive tried disputing this 4 times now and nothing ever gets done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dates : XX/XX/2021 Amount : {$700.00} Actions taken : I was robbed for my unlocked phone, and the suspect then emptied my bank account. I filed a police report, still have not received my money back. Just trying to fix this situation! 
The company, Citi Bank hasnt done much since.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed a Bankruptcy that was placed on my Equifax credit report in XXXX an it was deleted from my report. Equifax then decided to reinsert that same inaccurate bankruptcy back on my credit report. This is violation of the Fair Credit Reporting Act. I have since then written letters to Equifax pertaining to this matter and I have not gotten a response. My latest letter was sent out in XXXX of XXXX  and Equifax never acknowledged the letter, nor did the respond at all. The Bankruptcy is still showing on my credit report an it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: MS

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX do not know how this works but I need it done or somehow corrected. My name is wrong on my credit reports and it is causing some issues with my verifications. My name is spelled wrong a few time the only name on my report should be XXXX XXXX XXXX no other name or variation should be there please delete remove any other spelling. My only address that should be on my report is XXXX XXXX XXXX XXXX, OH XXXX. Please remove any other address. I was compromised and I need to protect the integrity of my credit profile. My DOB XXXX My SS XXXX. Please remove any other date of births of SS numbers. Please delete the following numbers they are not mine at ALL ( XXXX ) XXXX ( XXXX ) XXXX my income was effected buy COVID19 Pandemic shut down and under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). it allows for accommodations XXXX XXXX XXXX # XXXX account is reporting late on XXXX I request for some help and was told to file a dispute and ALL late payments would be updated to current of positive status please delete. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jim Bottin Enterprises, Inc
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has repeatedly called & tried to " XXXX '' me into paying a debt, I never incurred to " XXXX XXXX '' Even after I sent their attorney, a letter disputing any & all " bogus '' charges, their representative continues to call threatening to sue me, even at one time trying to disguise himself as a lawyer. Calling me an " XXXX '' on this last call ( XX/XX/2021 ), I finally blocked their number which is ( XXXX ). 
After reviewing their comp [ any, this is a pattern they use with many consumers. The representative of this company, disguises himself as an attorney and/or someone from a law firm TRYING to " XXXX '' me into paying, something I DO NOT OWE, threatening to sue, calling derogatory names. Something you would see on a playground or in movies as a " shakedown '' Please investigate this company, so others will not have to go through this kind of conduct. Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2021-03-29 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2021-03-29 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: FC HoldCo LLC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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