vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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: NC

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I review a copy of current credit report and show inquires listed I have not authorized to apply of credit please delete inquires listed below off my credit report. 

Creditor Name : Inquiry Date : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: MD

Complaint narrative:
CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep.

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KSXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OZK
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BANK OZX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I explained to XXXX XXXX XXXX, on a recorded line, that I was part of the Class Action Lawsuit against Capital One ( Anderson vs Capital One Class Action Lawsuit ) where as Capital One was to have all debts removed from all three credit bureaus, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. They were not to sell our information to third parties anymore. This debt that XXXX have is not mine and the date open they have is incorrect ( XX/XX/2020 ) and the amount is fraudulent, this is a fraudulent account, and I will hire an attorney and sue them and Capital One if they don't remove this from all three credit bureaus agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aqua Finance, Inc.
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : AQUA FINANCE XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: VA

Complaint narrative:
On XX/XX/2021, I send a letter to XXXX, XXXX, Equifax, and XXXX XXXX from US Bankruptcy Cout saying they did not report to the following companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/2021, I send a letter to XXXX XXXX XXXX, and Lexis Nexis from US Bankruptcy Cout saying they did not report to the following companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I refinanced my home loan with Penny Mac, the holder of the previous mortgage. 
I settled that refi on XX/XX/XXXX. 

The gentleman who came to my home to execute the settlement told me that I would have a six day period to rescind the agreement.I signed a disclosure that he kept. The copy of the same document in my packet was blank.

I called PennyMac on XX/XX/XXXX to rescind and could not get a call back. After four attempts, a PennyMac rep told me that I missed the rescind period by one day -- that yesterday, XX/XX/XXXX - was the " distribution day. '' I'm not sure what the " distribution '' was, since no money has appeared in my bank account as of today and the balance of a XXXX loan the PennyMac refi was supposed to cover had not been paid as of 6/11 either.

I also believe PennyMac is engaging in the following unethical practices : I learned ( too late! ) that they are charging about twice the average cost for a refi. I paid $ XXXX for a $ XXXX refi. I thought this was normal until I shared it with someone and they explained how crazy that was! I know it is a " buyer beware '' situation and I'm the XXXX who went in trusting folks, but still, it seems out of range that they should be able to charge that much.

PennyMac automatically " rounded up '' my refi loan by {$2000.00} ( cash back to me ) even though I did not request this at any point. When I asked why I was getting $ XXXX back nobody could explain it beyond saying " Sometimes it just comes out like that ... '' Do I have any grounds for having this refi reversed, or am I stuck at this point? 

Thank you for any help you can provide! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
Summary : Cash back from refinance sent in uncashable check form. No response from Amerisave. 

Events : Notary sent by Amerisave supervised signing of refinance with cash back on XX/XX/XXXX. Cash back, in form of check, was supposed to arrive by overnight courier after closing. The check was dated on XX/XX/XXXX and arrived three days later. An incorrect check made out to me and my ex-wife for {$100000.00} arrived by XXXX on XX/XX/XXXX. I owned the house long before that marriage, my ex-wife was never on the deed to this house, was never awarded any portion of it in the divorce decree supplied to Amerisave ( dated XX/XX/XXXX ), and all of this information was clearly and repeatedly communicated in emailed communication with XXXX XXXX ( loan officer ) and XXXX XXXX ( processor ). I immediately contacted both XXXX and XXXX when incorrect check arrived on XX/XX/XXXX asking for payment by overnight courier as written agreement states. It has been eight days and three requests and I do not have my money or any information from Amerisave. I am incurring real financial damage in the form of lost investment income due to this neglect of their agreement. Amerisave is profiting from this non-payment of agreed funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I opened an account with Citizens Bank using {$20.00} transferred from another bank account. On XX/XX/XXXX I used mobile deposit ( in the app ) to deposit a check for {$1200.00}. Per their own funds availability policy if there is an extended hold {$220.00} should have been made available and the rest held. 

The next morning {$220.00} showed available, but I did not yet have my debit card. So I went to the bank to withdraw it to pay my electric bill which was scheduled to be shut off on Saturday. By the time I got to the bank the {$220.00} was taken back. I decided to give it another day or two. On Saturday, still seeing that the check is on hold but unable to tell when it will be released, I called the local branch. The girl told me that the hold is scheduled until THURSDAY ( XXXX ) then told me not to use mobile deposit for my checks and that she can't help me now " even if she wanted to ''. She agreed to talk to " back office '' on Monday. Meanwhile my electric gets shut off.

Yesterday ( Monday ), I get call, the girl from the branch tells me that she didn't bother calling back office because her branch manager said they can't help me. Soo, the branch manager TOLD someone not to help a customer. I hung up with her and immediately called the customer service line. As I'm on hold, I get my debit card in the mail. I think, good, I can at least withdraw the {$20.00} I had in there.

NOPE. Citizens bank froze my card with no warning and held it for " account review ''. So now, not only can I not access my {$1200.00}, but I can't even touch the {$20.00} that was already cleared.

Once I finally ( 20 minutes later ) get someone on the line I explain all this to them and they say that something on the check didn't look right, and that's why the extended hold. This is a XXXX check, that I was able to call XXXX in 2 minutes and verify that it was good. But I'm told only the mythical " back office '' can do anything. They started a claim for me ( XXXX ) but told me the back office may not get back to me until Thursday. So basically STALLING so they don't have to release the check hold. At no point did the app tell me that I wouldn't have normal access to the funds. At no point did I get anything saying they would disregard their funds availability policy and not only that, but freeze my card so I couldn't even use the {$20.00} that is in my account. 

At this point I just want my funds RELEASED. I have been without electric since Saturday. I can not heat, cool, cook, flush my toilet ( electric well pump ), or even heat up a freaking baby bottle. Meanwhile Citizens does EVERYTHING in it's power to delay helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NJ

Complaint narrative:
I submitted Disputes to XXXX on XX/XX/2020 and XX/XX/2020 in regards to XXXX XXXX on my report as not being mine. XXXX said XXXX verified debt was mine. I in turn wrote letter to XXXX XXXX asking for verification of debt. The bill sent from XXXX XXXX was for another person with my same name but different middle initial and different address. I responded to XXXX and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked XXXX for the original credit agreement with signature of person from whom they are trying to collect debt. XXXX did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how XXXX can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So XXXX couldn't have asked XXXX to verify my SS # nor address that I've had for over 10yrs now. I disputed this same XXXX XXXX debt with XXXX and the debt was removed from my report. I have not been able to see my report from Transunion as of yet .I request a hard copy of my report from Transunion XX/XX/2020 and never received it. I am current trying to contact Transunion customer support to figure out why Transunion can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I submitted Disputes to XXXX on XX/XX/2020 and XX/XX/2020 in regards to Midland Funding on my report as not being mine. XXXX said Midland verified debt was mine. I in turn wrote letter to Midland Funding asking for verification of debt. The bill sent from Midland Funding was for another person with my same name but different middle initial and different address. I responded to Midland and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked Midland for the original credit agreement with signature of person from whom they are trying to collect debt. Midland did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how XXXX can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So XXXX couldn't have asked Midland to verify my SS # nor address that I've had for over 10yrs now. I disputed this same Midland Funding debt with XXXX and the debt was removed from my report. I have not been able to see my report from XXXX as of yet .I request a hard copy of my report from XXXX XX/XX/2020 and never received it. I am current trying to contact XXXX customer support to figure out why XXXX can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have filed a dispute in regard 's to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. The dispute was filed with XXXX, XXXX, and XXXX on the date of XX/XX/2021 2021

Company response to consumer: Closed with explanation