vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter about inaccurate & false reporting things on my credit report. it has been over 40 days an I havent received a response yet.I feel like Im being taken advantage of and ignore of my disputes. Section 611A it is plainly stated that a failure to completely investigate these items with in 30 days gives a reason to Immediately remove these accounts from my credit report.it has been over 40days so they should be deleted Promptly.I demanded that these accounts be deleted immediately or I will file for Litigation do to the stress youve caused me my information was also impacted by the equifax data breach and might have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 
SUNTRUST BANK # XXXX 
These account are fraudulent and 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 2021-05-07 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: DISCOVER BANK
State: FL

Complaint narrative:
I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then XXXX XXXXXXXX XXXX # XXXX. 
DISCOVER FINANCIAL SERVICES # XXXX 
XXXX XXXX XXXX  # XXXX 
XXXX XXXX # XXXX 
These account are fraudulent and not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
This complaint is in respect to a mortgage payoff with Nationstar Mortgage LLC ( d/b/a Mr. Cooper ). In a recent closing on XX/XX/XXXX, the title company paid the payoff amount XXXX {$390000.00} XXXX on the payoff letter provided to me through the Mr. Cooper website. There was apparently some shortfall XXXX the source of which is not entirely clear ). Rather than applying the {$390000.00} to my account on XX/XX/XXXX, Mr. Cooper claims their policy is to suspend the amount anytime a payment on a balance comes in that is over 90 % of the amount due until such time as the remaining amount is paid. I find this practice to be inappropriate, as Mr. Cooper continued to charge me interest on the full principal balance of {$390000.00} for a full week until I identified the issue ( of which I was not contacted about ). Rather than applying the amount paid on XX/XX/XXXX to the principal, their " policy '' is to effectively take the money as an interest free loan AND continue to charge their customers on the full pre-payment principal balance, notwithstanding the huge lump sum payment they just received in respect of the applicable account. I find this practice to be predatory, as consumers such as myself may not be aware the payoff was short ( even {$1.00} XXXX and then continue to incur interest on an account that has been largely paid off. If Mr. Cooper wants to charge interest on the amount that was short, I have no issue there. Their practice is not fair and it is not properly disclosed on any documents I have seen. In fact, on their payoff statement, there is an FAQ section and the question on wrong payoff amount ( copied below ) says that they may send the money back if it is short, but does not say they will hold it as unapplied. If they chose to send the money back, then I would have found out about this issue sooner and it would have been resolved within a day ( and less interest would have been charged ). 

What happens if I send in the wrong payoff amount? 
If your payment is short and you have an escrow account that will cover the difference, then we will apply those funds toward the payoff. If you dont have an escrow account or the balance is not enough, then we will attempt to contact the sending source to satisfy the payoff. Please note, if this falls after the payoff date deadline or we can not contact the sending source, then a refund of the total payment amount will be issued back to the original source. For this reason, we encourage you to pay the amount that is stated on your payoff quote. 
In the event of any overages, you will automatically receive a check for those differences once the account has been balanced out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: AES/PHEAA
State: CA

Complaint narrative:
I have an issues with XXXX  TXXXX  XXXX XXXX  and FedLoanserving. 

1 {$200.00} payment on XXXXand it was reported as a {$50.00} payment to credit bureaus. Balance at the time was {$2800.00} balance now shows {$2700.00}. 

2 {$91.00} was made on XX/XX/2021 and they have yet to report to any credit bureaus. 

3. I submitted a dispute on XX/XX/2021. The dispute is now closed. Fedloan is still reporting incorrect information, balance {$2700.00}. The balance is now {$2500.00} 4XXXX XXXX  stated to me in a letter from consumer complaints it's the credit bureaus decreasing FICO because they have no control over that all they did was report payments and remarks. XXXX XXXX & XXXX are the reasons why my FICO continued to fall. My FICO went down over 145 over a 4 month period, with NO 30 day late fees and under 30 % debt especially after I paid off the account and closed the account. XXXX XXXX would add remarks and remove remarks and my FICO fell each time, from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY

Complaint narrative:
At the end of XXXX my previous debit card expired. I have lived in XXXX for many years and have received four debit cards here through XXXX. When the new card didnt arrive I made calls and sent e-mails inquiring about the card and was told that the reply might be slow. That was perfectly understandable because the covid emergency had just begun. Finally in XXXX of this year 2021 the new card was sent to my home address here in XXXXWhen I tried to activate the card on line my old pin number which has never changed was not accepted. Previously the new cards were activated with the same old pin number. This time it wasnt accepted for some reason. When I reported that they told me the card was activated but when I tried to use it at an ATM it wasnt accepted. Since XXXX I have constantly called and e-mailed the bank for a resolution of the problem but with no results. Renewing a debit card should be very routine.

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 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened my account XXXX of XXXX. I have made all of my payments for this card. I did have 2 late payments, never a missed payment and I always paid the late fees. One of the late payments was when I was sick with XXXX and was unable to make a payment on time. I got a credit consolidation loan and was able to pay off the balance of this card in XX/XX/XXXX. I had only been able to make the minimum payments due to XXXX related financial struggles. I even made a second payment shortly after my lender sent in the payment for the majority of the balance but there was more interest that accrued that was not accounted for in the lender payment. I planned to use this " XXXX  Credit Card, '' as it is advertised, for several purchases I need to make in order to not pay interest and so I could have my pets medical needs taken care of and my XXXX yr old son could get new glasses and not have to wait until I can save the money needed to do so. Shortly after, less than 30 days, paying the remaining balance the card was canceled. I was notified of XXXX  my credit app that keeps me in the know about theses things. I called Care Credit ( Synchrony Bank owned ) and asked why and I was told that it was due to changes on my credit report since I opened the card. I don't see how a company can close an account based on your credit report changes and not based on your payment history and how you have handled the account. How can a company do this when it negativity effects my credit which it the very reason they canceled me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2021-05-07 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: TX

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
I received an email from XXXX that stated a new negative/major derogatory activity has appeared on my credit report. 
The name of the collection agency is Midland Credit Management XXXX XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Michigan. XXXX The amount that they claim I owe them is {$190.00} I called Midland and spoke to XXXX XXXX. I asked what this is about. 
He said I owe this amount from something to do with XXXX. 
I called XXXX this morning, they said my account is perfectly fine. No issues. 
Mr XXXX said they were handling the collection and that they bought the XXXX Acct that is no longer open. I spoke with XXXX this morning and they said that XXXX XXXX is somehow involved in this. That they did not see anything about XXXX. I have only had XXXX XXXX Account, and still have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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:
I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called transunion, XXXX  and XXXX to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.

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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
URGENT I was notified that someone is trying to collect unemployment benefits in my name. I am unable to put a credit freeze on my Equifax account or see my credit report. I notified XXXX and XXXX and put a credit freeze on those accounts. Equifax makes me answer four security questions in order to freeze or access my account, and none of the questions that are asked pertain to my account. I have an Equifax login and password, but these don't work anymore. I'm unable to reach anyone at Equifax who can help me. The only live humans who answer the phone are call center representatives, and they can not help unless I provide them with the entirety of my personally identifiable information, including my SSN. Im not comfortable providing this information over the phone, and the three representatives I spoke with weren't helpful or responsive at all. I asked for a supervisor and was told Im not able to talk to one. I have been trying for two days to put a freeze on my account. Equifax has now locked me entirely out of even attempting to access my account. Equifax only gives me the option of mailing sensitive personal information, including my Social Security number, and states that they will mail the report after receiving the information. There is no information about when I can expect a reply. Mail theft is rampant here due to COVID, and I do not feel comfortable mailing this information to Equifax. I can not find any other person or solution there to help. I consider this to be an urgent situation. I was able to easily place security freezes on my XXXX and XXXX accounts. This is egregious behavior on the part of Equifax and contributes to perpetuating fraud. 

Tried multiple times to access via website and XXXX Called XXXX Called 3x between XXXX AXXXX and XXXX XXXX on XX/XX/2021 Called at XXXX XXXX on XX/XX/2021 Called XXXX Called XXXX XXXX on XX/XX/2021 Called at XXXX XXXX on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: FL

Complaint narrative:
I am in receipt of a debt collection notice dated XX/XX/XXXX for the amount of {$340.00} being a XXXX XXXX bill from XXXX from ARstrat. This was previously sold to a different credit collection agency As mentioned to the previous debt collection agency, I do not have any knowledge of this amount. In XXXX my provider recommended lab services that I never authorized. When XXXX tried to call the provider, the provider had left the practice and there was no forwarding address. I did not give any authorization for these services and have informed XXXX XXXX many times. This amount is on my credit report fraudulently and should be removed. 

I do not have any knowledge of these charges and I am not responsible for these charges. I have never owed XXXX XXXX for any services and would like your office to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
XXXX is charging me a " package that I never seen on tv '' claiming that I purchased the program and cancel withing 30 seconds activation, then a technician came to upgrade and took my own equipment and I call customer service and XXXX XXXX has no idea who was the technician who came to my house, because they said XXXX XXXX hired subcontractors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened my checking account on XX/XX/2021. My account was funded on XX/XX/XXXX and XXXX, 2021. Citi was supposed to deposit {$700.00} for an opening bonus after 61 days. That time Period has passed and they have yet to deposit my money. 
I opened the account at a branch and Im being told only the branch can tell me why it hasnt credited my account. However no one is answering the calls to the branch so Im in a catch-22.

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 2021-05-07 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I attempted to gain access to my credit report on two separate occasions. 
XXXX- I sent a fax to Equifax per their request to verify my address and identity. This request was told to me by phone when I made the attempt to gain access to my free credit report by requesting it via their website. I never received the report and became concerned so I called in. They asked me to verify my identity. Since they have inaccurate information on my file which I am attempting to correct they could not verify my identity and denied access to my report. They asked me to fax in documentation of my current address, social security number, driver 's license/id and a utility bill. I faxed those documents to the number they provided me and never received the report. In XXXX I called back to follow up and Equifax then stated they did not receive my fax and I needed to re-fax the requested documentation. 

XXXX- I faxed the required documentation to Equifax . I still have not received my credit report. 
XXXX- I called Equifax to follow up on the second fax attempt. I can not get an agent on the phone line. The automated system informed me they could not verify my identity. The automated system hung up on me twice without connecting me to an agent. I made to call in attempts on this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called XXXX, XXXX and Equifax to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: FL

Complaint narrative:
I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called XXXX, experian and XXXX to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.

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 2021-05-07 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: TX

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation