vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
XXXX  these people are saying its you who removed the account and then added it back on this is a violation of the The FCRA the law is clear anytime you remove an account and then re add it back to the report you must and shall send written Notification of the reinsertion within five business days this account can no longer report Im sorry I have sent you both physical and factual proof that the account was removed and then Reinsert therefore you have to remove it. I mean the information is there and clear both of you explain what the XXXX do you think new collection verses removed come on man there it is in XXXX black and white quit with your XXXX you guys needs to figure out who is going to be the one to delete it YOUR COMPLAINT XXXX no Im not happy I need to know who removed American account from the file? I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately View full complaint Sent to company STATUS Sent to company on XX/XX/2020 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response As a rule we send deletion requests to XXXX  credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: GA

Complaint narrative:
I don't owe them anything ; I keep getting emails from these people from time to time. I never get any calls. etc. but every now and then I get these crazy emails and it needs to stop. Again, I never took a pay day loan from them. 
XXXX Re : ARREST WARRANT ISSUED_REFERENCE-CASE FILE NUMBER : XXXX XX/XX/XXXX at XXXX XXXX PrintRaw message Ms XXXX To : ACE CASH EXPRESS XXXX okay, I'm forwarding this email over to FCC, other government officials and the internet crime center, etc. I already contacted the attorney general office for my state, the state police as well as the local police. 

On Tuesday, XX/XX/2020, XXXX XXXX  EDT, ACE CASH EXPRESS XXXX wrote : ARREST WARRANT ISSUED CASE FILE DOWNLOADED LAWSUIT COST - {$2500.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) LAST DATE TO FILE LAWSUIT TODAY SETTLEMENT AMOUNT- {$300.00} ( ONE TIME PAYMENT ) This is in reference to your Case File Number # XXXX with ACS ( ACE CASH SERVICES ) in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 



Your account with XXXX is in Final Collections. According to our records, your outstanding balance was {$690.00} It may be possible that you may have some financial hardship with you. 

So, we are just giving you a last chance that if you just make a payment of {$300.00} by today then we will close this account as paid in full with XXXX balance. 



We do hope that you will work out with this offer. 

Or, else we won't be able to help you out. 



Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you. 



The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



You can avoid this by taking care of this now. 



It is quick and easy : Do reply us right now and provide us the date on which you can make the payment. 



If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to {$4500.00} and will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name {$690.00}. 



Thanks for being our customer, Best Regards, XXXX XXXX Customer Service Manager, ACS United States

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: PA

Complaint narrative:
I have sent multiple letters to Equifax since they are the only ones reporting the inquiry from XXXX  dated XX/XX/2019. I asked them to remove this from my report as I never authorized XXXX  to run my credit file but after so many dispute letters, this inquiry is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
Applied for a credit at XXXX. And recieved a letter 10 days later from XXXX  XXXX  that the credit bureau, Sagestream , LLC, reports that I am deceased and credit denied. Called Sagestream, because I am NOT deceased and they refuse to help. Called the bank and they recommended calling sagestream. Is this even a real credit bureau?? The bank rep said she never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
American account can you view the file and confirm to me that is in fact your reporting? And also to the best of your knowledge is this reporting correct? It shows a open date of XX/XX/XXXX when you first reported And then looks like in XX/XX/XXXX All of a sudden it gets removed becomes a new account and nobody knows anything about it. This is im verifiable information and it Hass to be removed and also violations of the FCRA again one of you need to pick who wants to remove it Explain please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX **Dear CFPB : Please do not forward this complaint to any other agency. If OCC or some other agency is more appropriate for this complaint, please notify me. ** To Whom It May Concern, On XX/XX/XXXX, I closed on a mortgage with Citibank. Citibank admits they are the current noteholder of the mortgage, # XXXX, based on conversations I have had with them this month. 

In her phone call to me earlier this month, CitiMortgage Vice President XXXX XXXX stated that they use a vendor, XXXX, to service/sub-service the mortgage. 

This complaint is against Citibank for not properly supervising their vendor ( XXXX ) who has been repeatedly negligent in servicing my loan. This complaint is also against Citibank for routing complaints and QWRs I have sent them to another company ( i.e., their vendor ) without my consent, even when such complaints were solely requesting response and renumeration from Citi. 

Citi 's vendor has been negligent and deceitful & their vendor has claimed for some complaints they will not respond at all & for others, they sent responses which were outright false. I never signed for a mortgage with Citi 's vendor XXXX, and while it is fine to ask me to send payment to a vendor and process transactions with a vendor, it is reprehensible for Citi to continue to forward my complaints to the vendor ( or to suggest I send my complaint directly to the vendor ), especially given their vendor 's ( XXXX 's ) heinous conduct even in their complaint response process. 

As complaints have already been filed regarding my servicing issues, this complaint is solely regarding Citi 's conduct in not supervising the vendor & Citi 's conduct in involving a vendor in my complaints to them rather than responding directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: EQUIFAX, INC.
State: UT

Complaint narrative:
The company has repeatedly ignored the issue of multiple complaints. See complaint IDs : XXXX XXXX XXXX XXXX XXXX The company was originally provided with all necessary information to verify that I am the account owner, but has refused to allow access to the account. In the most recent response to my complaint ( XXXX ) they did not address the issue, but told me to call them. This entire issue started when I called and spoke to them and was told they would never let me log in. Calling again is not a resolution to the complaint. 

I need to be able to log in. That is all. Please address the issue directly indicating what has been done to allow me to log in to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I previously reported that BofA had made a double withdrawal from my bank account to pay my monthly balance ( complaint # XXXX ) and then took weeks to return it the second one. In the response to that complaint, they did not address the issue of what caused it. I have called the individual at BofA who signed the response letter, XXXX XXXX, at the number and extension she provided during the hours she stated she was available 4 times in the last 2 weeks and left voicemails, but have not yet received a call back. The same double withdrawal has continued to happen for the last 3 months. The bank refuses to address the issue ( XXXX ), and is holding money that was not authorized to be taken out.

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 2020-07-29 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: IL

Complaint narrative:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As of today I am not allowed to open any business account for my business due to the fact that Bank of America fouled something against me on XX/XX/2019 I was never notified about the situation

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 2020-07-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX have been reporting these fraudulent accounts under my name XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29 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: CO

Complaint narrative:
I filed a bankruptcy with my husband, because he had to file and he was given misinformation that I had to file with him. I ended up dismissing out of the bankruptcy. This was six years ago. Since then, the credit reporting agencies had listed my existing mortgage as closed. I worked with XXXX and XXXX and they fixed the problem. Experian is refusing to give me credit for the house that I have owned for 13 years and am currently sitting in as I type. I tried to do a dispute, where they said they would contact the mortgage holder, XXXX XXXX XXXX. This was on Sunday, XX/XX/XXXX ( when I noticed that I was still not getting credit ). They closed the investigation on the same day. So, I know they did not contact XXXX  XXXX XXXX, as they are not open on Sunday nights! I want the credit that I deserve!

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 2020-07-29 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: GA

Complaint narrative:
I disputed an inaccurate Bankruptcy Judgement that is reporting from all 3 credit bureaus on my credit reports. I have letters from XXXX XXXX, United States Bankruptcy Court XXXX District of Georgia, and Pacer stating they do not report to the credit bureaus. I mailed certified letters with all of this information to Equifax, XXXX, & XXXX two times. The first letter dated XX/XX/XXXX and the second letter dated XX/XX/XXXX and both times the response I received back was that they are reporting this information as accurate and that they have verified this information as true. XXXX XXXX, US Bankruptcy Court, & Pacer are the only ones qualified to make a verification regarding this alleged bankruptcy and the bureaus obviously did not verify this information given the letters I have from XXXX XXXX, US Bankruptcy Court, & Pacer. They are allowing erroneous information on my credit report and are falsely claiming it is verified. I am requesting that this false information please be deleted off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have been working with PHH Mortgage on a loan modification since XXXX. My loan had matured in XXXX I did not realize it. PHH took my money for 4 more months and then said I owed them the balloon and I could not refi with them. I have been working on the modification for a month now and every time I get a call from them they tell me I need more documents, or different documents, this is all after they sent me a letter saying that my application was complete and ready to go. My customer representative told me I was ready to go and a decision would be made this week, but then, suddenly, my package was incomplete and I needed to supply new documents, which would reset my 30 day clock, which they have to operate in, back to very. They have ruined my credit with this and now are forcing me into a loan with their company, at what interest rate I do not know. I can only imagine they are going to stick me with a rate higher than normal because I have no choice but to take their loan now. I can not get a loan anywhere else and they are the only option, so whatever they offer, I will have to take. 

PHH is the worst company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a complaint against SYNCB/TJX DUAL CARD, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiry be removed immediately from my credit report with XXXX. 1 ) SYNCB/TJX DUAL CARD, DATE : XXXX ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. This is illegal and highly injurious to my credit rating. Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. Please govern yourself accordingly.

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank failed to refund XXXX in fees and interest to my XXXX XXXX following purchases that were disputed and ultimately refunded by the merchant. 

US Bank has harrassed me without any legal grounds by sending constant past due notices when US Bank, in fact, owes me money.

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 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Trying to open an account with XXXX and PNC, my bank will not let me link my account ( held jointly with husband ) to the XXXX account. My husband has an XXXX account in his name linked to our joint account with PNC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020 Consumer Financial Protection Bureau PO Box XXXX XXXX, IA XXXX Re : XXXX XXXX XXXX XXXX : XXXX    XXXX : XXXX Fair Debt Collection Procedures Act Debt Validation Dispute I. 

This is a complaint pursuant to the terms of the Fair Debt Collection Procedures Act ( FDCPA ), Title 15 of the United States Code ( U.S.C. ) section 1962g, et seq., and the implementing regulations set forth at Title 16 of the Code of Federal Regulations ( C.F.R. ), section 660, et seq., disputing the validity of debts allegedly owed by me and the procedural deficiencies in the furnishing to and recordation by a consumer reporting agency of information in my consumer file as identified with and pertaining to me.

II Equifax Consumer Reporting Services ( " Equifax " ), a consumer reporting agency as defined by the FDCPA, has within its  files, records, and databases a consumer report identified with and pertaining to me contacting items of adverse information supplied by unidentified suppliers of information regarding debts presumably owed by me. ( See : Exhibits 1 & 1A ).

III Although the information supplied Equifax provides the dates the accounts were opened and reported to Equifax, they fail to meet the notification criteria set forth by the FDCPA in that they preclude information as to : 1 ) The identity of the original creditor. ( See : 15 U.S.C. 1692g ( a ) ( 1 ). 16 C.F. R. 660.4 ( 4 ) ) 2 ) The address and other contact information of the original creditor ( See : 15 U.S.C. 1692g ( a ) ( 1 ). 16 C.F. R. 660.4 ) 3 ) The name and business address of the information furnisher. ( See : 16 C.F. R. 660.4 ( 4 ) ) 4 ) The dates the debts became delinquent. ( See : 16 C.F. R. 660.4 ( 4 ) ) 5 ) The actual validity of and the reasonable attempts undertaken by Equifax and the information furnisher to establish the validity of each debt. ( See : 16 C.F. R. 660.4 ( 4 ) ) IV Pursuant to 15 U.S.C. 1692g ( b ) and 16 C.F. R. 660.4 ( a ), I dispute the validity of the alleged debts and seek the following relief : 1 ) A proper FDCPA notification of the alleged debts, including the following information : 2 ) A proper validation of the alleged debts as per the terms of the FDCPA 3 ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

4 ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 
5 ) DELETION of the disputed information from my Equifax consumer file. 

V Equifax Consumer Reporting Agency may be served a copy of this Complaint at the following address : Equifax Consumer Reporting Agency XXXX. XXXX XXXX XXXX, Ga XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation