vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper has acknowledged that my mortgage loan is paid in full as of XX/XX/2021. ( Please see attachment # 1. ) Mr. Cooper has also sent me correspondence showing that the Escrow Account Balance is {$1000.00} and that there are Unapplied Funds in the account in the amount of {$1600.00}. In the same correspondence there is verbiage about returning excess funds. ( I included it below and highlighted it in attachment # 2. ) How will I know that the payoff is complete and final? 
Upon processing of payment in full, and within State specified guidelines, the necessary documents will be forwarded to the Trustee and/or County Recorder 's Office to release our lien. When applicable, and as mandated by state guidelines, any overpayment or remaining escrow funds will be disbursed off the loan no more than 20 business days after the payoff has occurred and will subsequently be mailed thereafter. 

**We recently sold another home ( paid off the loan with another lender ) and received a refund of the escrow account balance within 10 business days. I am not sure what the hold up is with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine. 

2. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE AUTO FIN Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: MI

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept of Ed/XXXX  accounts XXXX 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 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have been sending disputes to Convergent Outsourcing every month for almost 1 year to report a collection account that does not belong to me and have provided a notarized FTC Identity Theft Victim 's complaint form, a police report with XXXXPD of when my identity was stolen, and several disputes to XXXX. XXXX keeps reporting the debt and it's hurting my credit scores. This is very unfair since the account is not mine and Convergent Outsourcing has not returned my emails after I called in and their agents have not been helpful.

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 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Receivables, Inc.
State: AL

Complaint narrative:
Collection Receivables has violated several of my consumer rights. Collection Receivables has ruined my XXXX, XXXX and has XXXX me by calling to my employer several times in attempt to collect a debt that I do not owe. I have labeled several exhibits showing the consumer laws that Collection Receivables have violated attached to this statement. I have never signed a contract or agreement with Collection Receivables. Collection Receivables has caused XXXX XXXX for my wife and I. Collection Receivables has ruined my XXXX  at my current job. On XX/XX/2021 I mailed a copy of the attached documents to Collection Receivables showing the consumer XXXX found in their attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TX

Complaint narrative:
**Equifax keep reporting XXXX  XXXX XXXX {$240.00} acct # XXXX, XXXX XXXX XXXX acct XXXX {$1600.00}, XXXX XXXX acct XXXX XXXX {$1900.00}, XXXX XXXX acctXXXX {$190.00}, XXXX XXXX acct # XXXX {$710.00}. 

**XXXX keep reporting XXXX {$240.00} acct # XXXX, XXXX XXXX acct # XXXX {$1900.00}, XXXX XXXX acct # XXXX {$710.00}, XXXX XXXX acct XXXX {$190.00}, XXXX XXXX acct XXXX XXXX {$4100.00}. 

**XXXX keep reporting XXXX XXXX XXXX acct # XXXX {$710.00}, XXXX XXXX XXXX acct XXXX {$1600.00}, XXXX XXXX acct # XXXX {$1300.00}, XXXX XXXX acct XXXX {$190.00}, XXXX  XXXX acct # XXXX XXXX {$4100.00}. 

All these 3 bureaus has lied to me for over 5 months. They will tell you they have gotten contracts// back from these collection agency with my signature and never provided me with any documents, I request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that their offices give me this but they always lied and tell me " The information you disputed has been verified as accurate. '', I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax and XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have never heard none of these collection agency they're reporting. I told them since XXXX and all 3 of them lied to me and said they have proof but can't never show me. Please help me get all these collection agency deleted from bureau because its hurting me bad. I know they're getting paid but this a bad business to ruined consumers life knowingly you're not sending them sign contracts with their names on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 Bank of America closed my business account and is hold the money without any explanation. When I call they just say the back office is verifying the transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 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: MN

Complaint narrative:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Earm LLC
State: TX

Complaint narrative:
They asked for a person that is not me. They have called repeatedly asking for someone that is not me. Despite me saying I am not that person and telling them to stop calling or I will file an official complaint, they continued to call. Not only have they continued to call, but their calls increased to several times a day.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Unfortunately I have experienced an issue with a Spirit MasterCard issued by Bank of America ( BOA ). I have documented proof that I believe shows that BOA failed in their due process in adjudicating a dispute on a purchase with a merchant. Specifically BOA refused to act in accordance with the MasterCard chargeback guide requirements around second presentment. The acquirer ( the merchants ) bank responded with a ) a falsehood, b ) without any documentary evidence even though required by aforementioned MasterCard guide, c ) and a statement that had no bearing on the reason for the dispute in contravention of said MasterCard guide. BOA, instead of according my fair and due process as well as explanations for their conduct ( which is not limited to the aforementioned ), has apparently out of XXXX XXXX retaliation, adjudicated the dispute against me with great haste and without any documentation and/or sufficient explanation. MasterCard unfortunately has responded that they are unwilling/unable to assist in this matter. However, When MasterCard becomes aware of apparent violation of its requirements and other misconduct by an issuer I believe it of paramount importance that this is investigated and escalated to protect both MasterCard 's interests ( the brand ) as well as its cardholder 's interests. I believe I am not afforded the responsibility of due care by MasterCard. I am a MasterCard customer.

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 2021-10-29 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: TN

Complaint narrative:
I noticed on today XX/XX/2021 that my XXXX XXXX had dropped and I was in total shock it was because there's a loan on it from XXXX XXXX  that appears as upgrade I never ever applied for this loan I wouldn't know how to this is a fraud and scam by someone who might be close enough to me to have all my personal information it isn't fair for me to have to pay back a loan that I didn't apply for in the first place. This loan is ruining my credit. They should be more careful when giving out loans to people and should remove their loan from my transunion and XXXX account. I don't have an address associated with the address of that loan.

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 2021-10-29 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: UPGRADE, INC.
State: TN

Complaint narrative:
I noticed on today XX/XX/2021 that my XXXX XXXX had dropped and I was in total shock it was because there's a loan on it from XXXX XXXX that appears as upgrade I never ever applied for this loan I wouldn't know how to this is a fraud and scam by someone who might be close enough to me to have all my personal information it isn't fair for me to have to pay back a loan that I didn't apply for in the first place. This loan is ruining my credit. They should be more careful when giving out loans to people and should remove their loan from my transunion and XXXX account. I don't have an address associated with the address of that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime closed my bank account and says Im not eligible to receive my funds in my account and wont explain what I did. This happened after I made {$2000.00} worth of deposits yesterday after selling stocks and XXXX on XXXX to pay my bills. If this violates their terms I was not unaware and understand if they need to close my account but keeping my money when I have kids to feed and bills to pay is just crazy when Ive done nothing illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: KS

Complaint narrative:
I have purchased 5 Visa giftcards at XXXX store on XX/XX/2021 and I lost one of the Visa giftcards. I immediately contacted Visa giftcard support and was advised to contact Blackhawk Network support via email and send them the receipt from XXXX. I sent the email with the receipt via email on XX/XX/2021 and was supposed to receive a response within 1 business day. 2 days later I sent a reminder to respond but the company ignored both of my emails. This is a time sensitive manner, a giftcard is like cash. Obviously the company wants to keep the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX is on the Wells Fargo bank app and pays to use wells fargo, I was scammed through XXXX, they told me to file a complaint with Wells Fargo, Wells fargo refuses to help, I wanted to stop other transactions from coming in so I won't be over drawn, they wanted to charge me fees and I would be overdrawn, I don't have money for XXXX until payday and Wells Fargo refuses to return my XXXX dollars

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 2021-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My experience with synchrony bank has been a nightmare. In XXXX there was an error that led to an overpayment for my account was made leading to an XXXX return. I corrected this immediately, made the correct payment which went through. A few months later, XXXX of my auto payments was returned in error ( had to do with the money in a different ( savings ) account ). I IMMEDIATELY saw the error and redid my payment, which went through. Unfortunately, XXXX closed my account. I called them and after some time and escalations, they said they would review and see if they can re-open my account. They reinstated my account within a few days. 

After about a month with no issues, I find out that my account was closed a second time! Their response? It was reinstated in " XXXX XXXX. Never mind that I have been a customer with them since 2016 with no late/ returned payments. I called them again, and after over an hour on the phone, they finally told me if I had to get a letter from my bank explaining what happened. I was told explicitly by XXXX of the managers that my account would be reinstated If I provided this letter. I get the letter from my bank and send it to them and wait for another month before I finally call them again. Now they tell me they STILL can not reinstate my account. To top it all off, all my rewards and promotional purchases are gone as well! 

I have wasted hours trying to fight this, to no avail. Talking to agents at synchrony is like talking to a brick wall. The managers are useless ; they will tell you something, then go back on it a week later. Now with my account closed, XXXX is withholding my rewards balance that I earned, stating that it was " forfeited ''. They are refusing to credit my account.

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 2021-10-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my XXXX and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your XXXX XXXX.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law XXXX result in legal action against you. All inquiries in Identity theft are not mine. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: HI

Complaint narrative:
I was informed be the loan officer and compliance officer of American Pacific Mortgage that in closing a VA home loan I had to sign my signature with prejudice to my rights, an act I was not accustomed to. Furthermore, it was asserted that I could not sign without prejudice because it was VA policy and that such policy prevented me from doing so. After further inquiry I discovered no such policy exists and the company will not disclose the code they claimed applied which effectively deprived me of my right to defend my rights from an unconscionable contract. It was also reinforced at closing by the notary officer and so I signed in a manner I was not accustomed to but I verbally stated that my signature was only being provided " under protest '' specifically cause felt I was being deprived of my civil right especially with such confusion and mistakes in the process regarding what I paid for my credit and whether there was even a loan or an exchange of negotiable instruments and if the property deed was defective or even marketable. This was acknowledged by both the loan and notary officer present during closing.

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 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Had XXXX taken from XXXX Bank of America account, I have filled a claim and done everything I can do to get my money back to catch up on bills, I am about to lose my car and house because of this issue and the bank is no help. XXXX being told my claim will be handled when a XXXX is assigned to my claim but that has been 17 days ago. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation