vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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: PA

Complaint narrative:
Despite Several written requests, Multiple Unverified & Fraudulent items still remain on my credit report in violation of Federal Law. XXXX, Equifax, & XXXX XXXX are all required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). 

Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. Or subsequently block the fraudulent information on my credit report resulting from identity theft within XXXX business days, and to promptly notify the furnisher ( XXXX ) of that information, as harbored in the protections under my valid FTC Identity theft report ( SEE ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
XXXX questions : It's a shame that within XXXX month after opening account I have to write to you via CFPB. 

After opening the account, the same day I called the bank and the operator said after 2-3 days when my account gets fully verified I would be able to make transfers. Few days later I was able to make transfers. I made my first transfer, a very small amount of XXXX dollars. 

Approx a week or so later I received a letter that stated until the bank could fully verify my account I won't be permitted to acquire any securities and or make any withdrawal or transfers. 

XXXX ) Then why did the bank permitted me to make the first transfer without fully verifying my account? 

On XXXX XX/XX/2021, I was provided with misleading information over the phone regarding my account verification activity. This information came from an operator and her manager from your verification team. The manager said my account was only fully verified on XXXX XX/XX/2021. The manager said the bank allowed me to make the previous transfer without fully verifying my identity just so I can acquire securities. But the letter clearly stated I can't acquire any securities until I have my account veritified. 

XXXX ) So, ( based on what the manager told me on the phone ) is it a common practice for your bank to allow customers to trade securities without verifying an account completely? 

As a result, I am finding it unsafe to transfer in any money further in to the schwab account. As a result, I have transfered out the XXXX dollars from my schwab account. 

Let me know your answer to the above XXXX questions. If your answer would be reasonable and justified, I would continue with my XXXX accounts or else not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: OK

Complaint narrative:
I got a phone call from MEDICAL DATA SYSTEMS and the agent was extremely rude and threatened my credit while I was trying to determine the validity of the debt. I asked if she could give me a settlement snd she refused to answer the question unless I give her all my financial info. She told me I was wasting her time when I was willing to pay all I wanted was something in writing and she refused to send saying they gave me an initial notice. I didnt get them and wanted to go over dates as these took place during Covid while I was on unemployment and no health insurance now I am being penalized by damaging my credit.

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 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
Hello in XXXX of this year, we refinanced our home and we got switched to a different loan mortgage service/company called XXXX mortgage. 
We live in a flood zone and we are required to maintain flood insurance. 
My flood insurance was due to renew on XX/XX/2021 and my premium was {$1400.00}. 
The Morgage servicer requested a copy of the coverage continuace and declaration page. I forwarded the request to my insurance broker rep XXXX XXXX XXXX XXXX at Florida XXXX XXXX XXXX and asked they send this to my mortgage servicer XXXX 
I continued to receive cancelation notices from my flood insurance carrier XXXX andI continued to let Florida all risk that they need to reach out and get this resolved. 

Finally On XX/XX/2021 I called XXXX my mortgage servicer that holds my escrow and I called XXXX XXXX risk on recorded lines to ask that they pay my policy and i confirmed the loan servicer had the funds to pay the flood insurance. All parties were aware that the payment was due no later than XX/XX/XXXX or I would be canceled. 
The payment arrived and posted on XX/XX/XXXX. 

XXXX refused payment and has canceled my flood and will not reinstate me. 

If I Reinstate my new premium is going up to {$3100.00}. ( double ) I need help my money was in the escrow and should of been paid on time with along with my homeowners which they manage to pay on time without issues. 

Attached are all documents sent to XXXX  mortgage. 
Thanks XXXX And XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hello, my name is XXXX XXXX. I am filing this complaint for my self because I did not receive a response for debt validation from Portfolio Recovery Associates as previously requested. 

I am in dispute of the account you are furnishing against my consumer report. I am requesting validation of this debt using the exact criteria below. 

Please provide the following : Name and address of alleged creditor. 


Name on file of alleged debtor. 


Alleged account # Address on file for alleged debtor. 


Alleged account # Amount of alleged debt. 


Date ( this alleged debt became payable ) Date of original charge or delinquency. 


Was this debt assigned to a debt collector or purchased? 


Amount paid if debt was purchased. 


Commission for debt if collection efforts are successful. 

Please attach copies of the following : Agreement with me that grants Portfolio Recovery Associates the authority to collect this alleged debt. 

Signed agreement I have made with Portfolio Recovery Associates, or other verifiable proof Portfolio Recovery Associates has a contractual obligation to Portfolio Recovery Associates. Any agreement that bears my signature and the XXXXignature of Portfolio Recovery Associates or their registered agent, wherein agreed to pay Portfolio Recovery Associates. 

All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 
Please circle yes or no Yes No Please provide the name and address of the bonding agent for Portfolio Recovery Associates in case legal action becomes necessary : Authorized Signature of Portfolio Recovery Associates : ______________________ Date : __________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of ALL requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX Debit Card, on XXXX called bank to find out my account was closed, never received any notice about account was gone close, with fund on my account, Ive contact Bank of America couple of times regarding my funds, and I been told to contact XXXX XXXX so on XX/XX/2021 sent a claim regarding my funds, and I was told again to contact Bank of America XXXX on XX/XX/2021 contact the bank again and told me the same thing contact XXXX XXXX am just back and fourth, I just want to get the remaining of my funds from a close account.and the phone number I was gaven from th XXXX to contact XXXX XXXX is not in service. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: NM

Complaint narrative:
I have sent my letters in well over 30 days and the bureaus have not validated debt as stated in my disputes. I have not received anything.

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 2021-11-24 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: Aspen National Financial, Inc.
State: NV

Complaint narrative:
This debt was disputed and removed due to not being the person on this account. It has shown back on my credit in error. The information is inaccurate and has been disputed and removed before. This account does not belong to me, and I did not give this company any right to collect a debt from me. This needs to be removed from my account immediately and is in violation of section XXXX of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: J. Ritter Law P.C.
State: MA

Complaint narrative:
On Wednesday, XX/XX/2021, J Ritter Law PC contacted me in an attempt to collect a debt. They knowingly gave me false information regarding whether or not I could resolve the debt with the original creditor. I had rented a textbook which was not returned at the time of the aforementioned call. I asked if I could simply return it to them, and was told that I could not do that and it would not resolve the debt. I called the creditor ( the bookstore ) and they informed me that if I returned the book all attempts to collect debt would stop and the issue would be resolved. J Ritter Law PC knowingly and wrongfully gave me false information regarding my debt in an attempt to get me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank credit card issue a check in the amount Of {$3800.00}. It was a refund on overpayment. 
on XX/XX/XXXX XXXX XXXX  called to verify if we had endoresed check to another person. He had stolen check from mail box. I told them no and XXXX  XXXX told me bank of america would need to pull funds back so we could get the money back XX/XX/21 i called bank of america told them what happened they said they would do it and that it would not be a problem. 
Since them i have called them numerous times been transferred to multiple departments and no one has been able to resolve issue. 

i have called so much i started to keep notes since XX/XX/21 i have called and this are times i actually started to keep notes because even when a manageXXXX was contacted no notes were written on my account. 
XXXX I have ID numbers for people that i have spoken but not getting an answer.

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 2021-11-24 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : THE XXXX AT XXXX APARTMENTS OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX SAID THEY COULD NOT READ MY ID, I SENT THEM ANOTHER ONE AND THEY SAID THEY COULD NOT READ THAT ONE EITHER, I HAVE ENCLOSED IT.

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 2021-11-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Service Finance Holdings, LLC
State: AZ

Complaint narrative:
Service Finance Company , LLC secretly charged my account various fees when a 3rd party inquired about the payoff balance. According to the contract I signed with Service Finance Company , LLC, there are no fees related to pre-payments / early payoff and in addition, I did not receive any fee disclosure from the company regarding any fees related to the early payoff and/or inquiry. 

If Service Finance Company , LLC charges fees for 3rd party requests they should charge the 3rd party or must reach out to loan holder to actually confirm and communicate any additional charges ( hence " Fee disclosure '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$240.00} SXXXX XXXX Balance Owed : {$0.00} Late open XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX & XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: NV

Complaint narrative:
This debt was disputed and removed due to not being the person on this account. It has shown back on my credit in error. The information is inaccurate and has been disputed and removed before. This account does not belong to me, and I did not give this company any right to collect a debt from me. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ).

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 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC
State: NJ

Complaint narrative:
To whom it may concern : My name is XXXX XXXX and I am filing this complaint against Prime Lending, specifically towards and employee by the name of XXXX XXXX ( NMLS # XXXX ). XXXX is a Branch Manager at a Prime Lending located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, NJ XXXX. I had reached out via email to a Prime Lending loan officer by the name of XXXX XXXX on XX/XX/21 at approx. XXXX. My correspondence was in regards to refinancing my current home mortgage and I had attached confidential documents for XXXX to review. Upon sending the email and reaching out to XXXX via text message he had informed me that he had parted ways from Prime Lending and I then resent the information to his new email. A few hours later at XXXX I received a phone from an employee of Prime Lending by the name of XXXX XXXX XXXX I was a little taken back by someone from Prime Lending reaching out to me to begin with. Upon speaking with XXXX, he discussed with me the information I had confidentiality sent to XXXX and informed me that the email that I had sent to XXXX 's email was intercepted and viewed by XXXX XXXX. XXXX then proceeded to solicit me, asking if he and Prime Lending could provide service for my refinancing needs which I respectfully declined. XXXX said that XXXX XXXX directly instructed him to reach out to me to solicit my business. I believe this to be an absolute violation of privacy. I do not know who else viewed these documents and because I am choosing not to do business with Prime Lending anymore where this information can go or who else has access to XXXX old email account. Someone such as XXXX XXXX in the position as a branch manager should know that these actions are inappropriate and on top of violating someone's privacy, directing an employee to solicit based on viewing confidential information is completely unacceptable. I can only hope that my complaint with the Consumer Finance Protection Bureau will prevent this from happening to anyone else and hopefully provide some discipline and guidance to Prime Lending and their employees for these violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX XXXX Paid Off through XXXX XXXX Reference Authorization Code XXXX through Representative XXXX. This account should not be reporting to any of my credit reporting agencies per agreement of remove of tradeline upon payment being paid. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ). Need account removed asap please. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : THE XXXX AT XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX EQUIFAX SAID THEY COULD NOT READ MY ID, I SENT THEM ANOTHER ONE AND THEY SAID THEY COULD NOT READ THAT ONE EITHER, I HAVE ENCLOSED IT.

Company response to consumer: Closed with explanation