vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NE

Complaint narrative:
I applied for an apartment with XXXX XXXX XXXX in XXXX, NE and i got denied, so someone called XXXX XXXX who is a former resident at this time period offered me take over her lease which I agreed as I just moved to Nebraska and I needed a place to live in. When I talked with the property manager she said it should be fine and we shall take over the lease but there will not be any renewal. I agreed and moved my furniture also took over the utilities but after a month the property manager asked me to evict the apartment as there is no sublease, I offered them to pay the remaining balance in advance till the lease is over and I will move out as they already took two payments from me, but they took me to the court me and XXXX after a week the property manager was granted an eviction and got me locked out with a Sheriff order. I arranged to take my belongings out of the apartment to another place who approved me. The court has a judgment against XXXX for the remaining balance of her lease. Now I found the collection agency calling me for XXXX 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to the credit bureau in regards to items I seen on my credit report that did not look familiar and were inaccurate. Since sending my initial letter it has been over a month and I still have not received a response or anything about the status of my disputes. I also sent another letter demanding the bureau to respond prior to submitting this complaint. I know that according to the law the bureau must investigate the items I disputed and respond within 30 days of my initial dispute or the items have to be deleted immediately. It has been almost two months to date. This is effecting my credit score and I have followed all the correct procedures and I feel my disputes are being ignored and it is aggravating.

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 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX ) has been reporting on my credit report as a collection notice in the amount of ( {$320.00} ). This collection has been reported as a unpaid balance in collections. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Collections is not from original creditor. I do not owe Enhanced Recovery Co L ( account # XXXX ) for the amount of {$320.00} I never heard of ( Enhanced Recovery Co L. ) I never did a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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:
The last three times I tried to get my free annual credit report from Equifax, my progress was halted with the message, " Online Delivery Unavailable. We are not able to deliver your free Equifax Annual Credit Report  online. '' I wrote an e-mail to them a little over a year ago, and the response e-mail said that I had written to the wrong department, but *without* telling me whom I should actually direct my e-mail to! 

I just tried again, tonight, to get my credit score, but the problem persists. A quick XXXX search of the error message suggests that the error I received is a very common problem, which Equifax apparently can not be bothered to fix. 

Note that I have had no problems receiving my credit report from XXXX and XXXX  ; only Equifax is broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: STERLING JEWELERS, INC.
State: WI

Complaint narrative:
I received a call at my employer on XX/XX/2021 in the afternoon from a person named XXXX from XXXX XXXX. He stated I owed {$480.00} to sterling jewkers. I told him I could not receive these types of calls at work. He asked me if I was refusing to pay my bills. I told him that this was not an appropriate call for work. He then stated he could call my HR department about this matter. I feel my rights were violated with that threat. I fear he will continue to harness me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I refinanced my 9 unit building and the escrow was closed on XX/XX/XXXX. The existing lender ( XXXX XXXX, CA ) wired the principal to the previous lender ( Union Bank ). The mortgage payment was set on " AUTO PAY '' with the Union Bank and they were not to withdraw the money for the Month of XXXX. Auto Pay is due on the XXXX of the month. Union Bank withdrew the mortgage on XX/XX/XXXX. 
I called Union Bank on XX/XX/XXXX @ XXXX ; XXXX and left message to reverse the withdrawal. I also called the local Union Bank representative ( XXXX ) and left message as to what had happened and need his help to resolve the matter. XXXX returned my call and told me to see how he can help? 
SINCE THEN I HAVE NOT HEARD FROM THE UNION BANK. 
My new payment is due on XX/XX/XXXX and I am out of {$4500.00}. I need help so that I can pay my bills on time. Have the UNION Bank reverse the charges ASAP.

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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background
State: WA

Complaint narrative:
I have a right to place a security freeze on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CT

Complaint narrative:
I have subscribed to Gemini website to trade cryptocurency and i have deposited some dollars. 
After More than 6 weeks now my verification is still pending, my money is locked there. 
I have sent many emails to the customer service but i only get automatic answer without answering my request. 
This company is not taking care of their customers Other companies like that take usualy few hours to verify, Gemini does not make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orions Management Group, LLC
State: WI

Complaint narrative:
I received a call at my employer on XX/XX/2021 in the afternoon from a person named XXXX from Orions Management. He stated I owed {$480.00} to XXXX XXXX. I told him I could not receive these types of calls at work. He asked me if I was refusing to pay my bills. I told him that this was not an appropriate call for work. He then stated he could call my HR department about this matter. I feel my rights were violated with that threat. I XXXX he will continue to harness me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
RE : SHELLPOINT MORTGAGE ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : XXXX XXXX : Improper reporting to the credit bureaus ( NEVER LATE ; rolling XXXX ) XX/XX/2020, XX/XX/2020. 

Good day. I am reporting that Shellpoint Mortgage had " falsified '' stating that I was late on my mortgage. I have NEVER been late. As a matter of fact, they had drafted monthly out of my account. I am a real estate investor and own many problems so I can assure you that money is never an issue with me. However, what is an issue is that this company had reported my mortgage late. I need this over turned immediately. I have provided my information, and email that's notarized, and I hope respectfully that this incident is overturned in my favor. Thank you and have a great day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX : XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SC XXXX Phone : XXXX XXXX : Improper reporting to the credit bureaus ( NEVER LATE ; rolling XXXX ) XX/XX/2020, XX/XX/2020. 

Good day. I am reporting that XXXX Mortgage had " falsified '' stating that I was late on my mortgage. I have NEVER been late. As a matter of fact, they had drafted monthly out of my account. I am a real estate investor and own many problems so I can assure you that money is never an issue with me. However, what is an issue is that this company had reported my mortgage late. I need this over turned immediately. I have provided my information, and email that's notarized, and I hope respectfully that this incident is overturned in my favor. Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
in XXXX, id theft occurred .Contacted XXXX XXXXXXXX XXXX  and XXXX XXXX resolved. Account frozen UNTIL I SHOW UP IN PERSON to unfreeze it and withdraw money. ONLY previous automatic deposits allowed. Since i am working in an isolated alaska company, that was ok until i return in XXXX. 
NOW i learn on FRIDAY, XX/XX/XXXX account CLOSED on XX/XX/XXXX!!! it takes 10 business days for XXXX XXXX  check to arrive!!! that means {$35000.00} check will arrive MONDAY, XX/XX/XXXX!!! tried calling chase bank to stop payment and cancel check, but CHASE BANK PUT ME ON HOLD AND RECORDING CAME ON BANKING HOURS CLOSED TILL MONDAY!!! ID THIEF CAN BE CAUGHT CASHING CHECK IF CHECK IS CANCELED THIS WEEKEND.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had a transaction go into my account for my sons IRS tax return and XX/XX/XXXX. Nothing happened to the account and we were able to access my sons funds. 1 week later both my son and my stimulus checks were deposited into that same account. This flagged my account and there was a restriction put on the account. I contacted the company and was told to simply send in a copy of my sons state issued I.D and the block would be removed in 2 days. After waiting the 2 days I contacted them back for information on the restriction and was told that they have never received my info even though we have confirmation that it was successfully submitted. A day later I called again and a rep advised that the ID was received and reviewed and my funds would be released no later than today. I asked about the direct deposit of my employer and if that would then effect the account negatively and was told no it would not. I called this morning and was told that my issue was being escalated for the removal of the block on the card and that if funds were still blocked after an hour to call back. Still no removal of the block after waiting 5 hours. I called back and talked to another supervisor who explained that now a new flag was on the account because my direct deposit from my pay has now been placed on the account. It has been 8 days and I have not been able to access any of my money. I am in a situation that me and my family could be homeless if we do not get access to our money because I have to move out in a few days. We have no food and our water is now shut off because we cant access verifiable funds in my account. I have spent countless hours speaking to the reps for this company and none of them have been capable to help me. I have been hung up on several times, promises have been made and not followed up on, and escalations that were never handled. In the last 8 days now going on 9 I have talked to more than 15 reps that all are telling me to do different things and will not help me. No one is noting the account appropriately and taking initiative to resolve the problem and I was told that there is no one to call in their fraud department. They have no workflow in place to talk to someone handling fraud issues. They cant email, phone or message a higher department for issues like mine. When handling ones money there should always be someone to talk to at all times, and I was not given that option as they don't have a department that is in place to resolve my matter. I have never been so disrupted and depleted from a company that would handle customers this way or their money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting someone elses name as mine. I have submitted dispute after dispute along with copies of my photo id to prove that I do not carry this name yet they have continuously refused to remove this information. My second issue is that Experian is reporting my 4 open student loan accounts as closed. This is false. Again, I have disputed this information by mail, online and by phone only to have them continue to overlook the disputes and continue to report the false information. Upon my call to Experian, I was told that this is information can not be updated. Experian is the only credit bureau that has not updated my score to reflect my true FICO score and in comparison to the 2 others is the lowest by at least 75 points due to their consistent reporting inaccurate information and refusing to fix the issue no matter the number of disputes submitted or calls. In todays climate and with the history of racism due to poor credit reporting practices towards people of XXXX, I can not help to feel that this is my current situation as what is happening makes no other sense. I have submitted countless disputes over this situation and others and I am now literally at my wits end with this. Experian needs to be held accountable for their poor practices. My second issue is regarding a surname that continues to appear on my report as well. I have disputed this information and have submitted photo identification to prove that this is not me! I have never gone by any other name than my birth given last name. I have never been married however they refuse to remove this name from my report as it is not my last name. I dont know what else to do at this point. XXXX and XXXX  have never hesitated to report my information accurately however this seems to be something Experian is not capable of.

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 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
( MERCHANTS CREDIT GUIDE ) at ( XXXX XXXX XXXX XXXX. XXXX, IL XXXX ) has been reporting on my credit report as a collection notice in the amount of ( {$69.00} ). This collection has been reported as a unpaid balance in collections. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Collections is not from original creditor. I do not owe Merchants Credit Guide ( account # XXXX ) for the amount of {$69.00} I never heard of ( Merchants Credit Guide ) I never did a contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Im on a XXXX XXXX forbarence and i wanted to extend it and instead the paper work was done wrong and i got all past payments defered. But I did not want to do that .... I am still in forbance ... .Because I asked for another 3 month. Anyway I was discussing with Mr cooper at the end of XX/XX/XXXX, I would like all payments to be put on deferral to the end of the loan. I was informed that I could not because I had already did it in at the end of XX/XX/XXXX, but I must of filled the wrong box because I didnt ask for the defferal of payments, I just wanted a extension of my forbarence .... I would like to start making my regular payment, starting XX/XX/XXXX and have the past put at the end of loan,,, Mr Cooper says I cant because I already did it once ... ..well can you help me get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AR

Complaint narrative:
Western Union issued a withdraw from my bank account without my authorization. I am not a Western Union customer and this was done without my permission or the permission of any name on the account.

On talking with Western Union, the money was said to have been transferred to XXXX and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: MO

Complaint narrative:
There is someone that has the same first, middle, and last name as me and lives about three hours away from me. I found this out when I was alerted to a debt collection on my credit report. The debt on the report was from XXXX XXXX XXXX XXXX and is being collected by the collection agency Account Resolution Corporation. I XXXX my name and found out that there is a woman with the same name that lives in XXXX, MO in her XXXX 's. I live in XXXX XXXXXXXX, MO and I am XXXX. We have different social security numbers, birthdays, addresses, etc. I called XXXX XXXX XXXX XXXX 's billing department on XX/XX/XXXX and talked to someone who admitted that the information did not match up with mine and they said that they would contact the collection agency. That did not satisfy me, so I disputed it online and then called the collection agency myself. The agency was very rude and told me that if I had identity theft I needed a police report or I needed to pay. It is not identity theft so how could I do that? They made the mistake and reported it on the wrong person. I called the billing center again and they told me that it was the same name, but not me as nothing else matched. I was told to wait until it was investigated and dropped off by the collection agency. It was confirmed that it was mine by them after I disputed it. THIS IS NOT ME. This company needs to be held accountable for negligence. In order to put collections on someone they should be required to match up ALL information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with Green Dot about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was open fraudulently

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