vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning theres a problem and he can not move further with my application. He mentioned EOS CCA  is a new account and I have to fix this problem. There is an account listed on my credit report that just popped up under EOS CCA collecting for a company called XXXX XXXX for {$380.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX under the account number XXXX I was not familiar with this account and asked them to SUBSTANCIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX then removed the debt and placed it with another company called EOS CCA. All this happened under 30 days ( see attached screenshots ) so how would EOS send me a right to dispute or explain my rights. The Federal Trade Commission has taken action against a debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEPT PARKING. 
The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX, XXXX of the F.T.C.s bureau of consumer protection, said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX. 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I can not get my home to move my kids into, I will file suit with an attorney of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
During the XXXX XXXX of XXXX, I suffered great losses on a number of my rental properties, due to non-paying tenants. I had to declare bankruptcy. I filed, Chapter XXXX. I was able to re-organized all my debts with the exception of my primary home. The mortgage holder at the time was, XXXX XXXX XXXX. They adamantly refused to negotiate, ultimately filing for foreclosure. 

In XX/XX/XXXX, I refinanced four investment properties with XXXX XXXX, with an interest rate of 10.75 %. Although I was aware that this rate is excessive ; I had to do this as an emergency, to cash out funds, to save my primary residence, which was about to be foreclosed upon. The closings took place on XX/XX/XXXX. Immediately upon closing, the mortgages were sold to MR. Cooper. 
As per the Mortgage Note, my first monthly payment was due, XX/XX/XXXX, with a grace period of 12 days. See attached Mortgage notes. I sent my first payment to MR. Cooper on XX/XX/XXXX. The checks were cashed between XX/XX/XXXX and XXXX. See attached copies of cancelled checks. 

The end of XXXX, I received a call from a representative of Mr. Cooper, claiming that, three of my loans were past due. I told the representative that all loans were up to date, my first payment was due XX/XX/XXXX. According to the, representative, my first payment was due XX/XX/XXXX, I referred him to the Mortgage XXXX, which clearly states XXXX, XXXX. Over the ensuing months, Mr. Cooper continued to fail to apply payment to three accounts, despite cashing all checks ; all while, still making harassing phone calls, demanding payments. In XXXX of XXXX, I faxed copies of cancelled checks to Mr. Cooper, however the phone calls did not stop. 
As of this date, I have not received my 1098 statement from Mr. Cooper,. for the follwing accounts : 1.- XXXX XXXX XXXX XXXX Loan XXXX XXXX 2.- XXXX XXXX XXXX XXXX Loan # XXXX 3.- XXXX XXXX XXXX XXXX Loan # XXXX Im asking for your assistance in solving this problem. Looking forward to hearing from you, I remain. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: OH

Complaint narrative:
I have a few accounts that I found on my report that are inaccurate and fraudulent. I believe someone has accessed a account using my personal information. Please delete the following accounts : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
Since XX/XX/XXXX Rushmore loan management has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: SC

Complaint narrative:
I sent XXXX  and Equifax an envelope containing my dispute letters on XXXX. The tracking number website confirmed both received the letters on XXXX. I called and spoke with a representative on XXXX and on XXXX. The representative kept telling me they were working on my request. I never did not receive a response from neither company. It has been 4 months now. I called XXXX  on XXXX and spoke with the Manager by the name of XXXX XXXX ( if that is his real name ) and he told me that I did not send them a dispute whatsoever. He lied about me sending them a dispute letter and he did not help me. However, XXXX  received the dispute letter on XXXX and they removed all the incorrect inquiry information for me with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: CA

Complaint narrative:
XXXX  AND TRANSUNION are both reporting publishing and disseminating false and misleading and damaging information about me. 
XXXX XXXX, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX XXXX committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX  office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by 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 2021-02-05 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX AND XXXX are both reporting publishing and disseminating false and misleading and damaging information about me. 
AWA COLLECTIONS, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX XXXX committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have had a VA mortgage with Wells Fargo Bank since XXXX. I meet all the conditions for the VA XXXX streamline refinance and filed a refi application on XX/XX/XXXX. I provided all the documentation requested from them immediately online and updated the documents. For months, they have dragged their feet and kept asking for the same documentation. I have had my rate lock extended over and over and it now expires on XX/XX/XXXX. My rate lock was extended numerous times. The law firm doing the closing has been trying to get them to give a date for closing but they can not or will not provide the date. I have given them what they asked for months ago. The representatives from Wells Fargo explain that the low interest rates have swamped them with refinances and therefore they are behind. This is 5 months plus now. On XX/XX/XXXX, I received a Loan Estimate having been told my loan passed final underwriting approval. There is no known date to close at this point and my rate lock expires on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I filed paperwork to initiate a brokerage account transfer to move from Robinhood to XXXX. On XX/XX/XXXX, I checked in with XXXX regarding some fees that I had nearly incurred. That issue was resolved. In the process of resolving that issue, I learned the root of the problem had been a fraudulent report from Robinhood that my account with them was negative and the balance needed to be resolved. This also led to Robinhood rejecting the XXXX request. 

Robinhood customer support has not been responsive and has claimed that the negative balance was an error, but has not resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute with my bank Chase, after the date of XX/XX/XXXX, because XXXX overcharged me for a ride that they did not show proof nor was it accurate. My bank came back on XX/XX/2020, and they reversed this charge for {$44.00}, and XXXX has not shown me proof or shown my bank proof that this is accurate charged amount, and so I'm being charged an extra incorrect {$44.00} amount, and there has been no remedy, no correction, and this is inaccurate by XXXX, and Chase should be properly handling this, but they aren't, and so I have not gotten a notice. The original ride that I was supposed to be charged for by XXXX was supposed to be {$23.00}, which the extra {$44.00} is incorrect, making the ride {$68.00}, the original ride for XXXX was originally {$23.00} dollars, but Chase has not gotten any proof or correction from XXXX, and I have not either. There has been no follow up, and this issue has not been properly resolved with my bank, Chase, and XXXX, and so I would like to please ask for your assistance, will you help me in this matter? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: AZ

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, and XXXX at XXXX on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my Equifax credit report and XXXX  Credit report : " XXXX XXXX XXXX  '' Open Date XX/XX/XXXX Amount {$300.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report, and my XXXX credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Upon reviewing my credit report I noticed that an account with Toyota auto financing was taken out I did not apply for an account nor did I give anyone permission to open an account with my information. I am a victim of identity theft and I have made a police report with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I received a response from pro collect that they would settle for XXXX instead of XXXX. Which I was thankful for that. But I called and reached out to XXXX XXXX as it stated to in the response, reaching her was difficult I called on multiple days and none of the representative would transfer me to her.. so I submitted a complaint on here again and left a number and XXXX XXXX called and we talked bout resolving the balance. I told her that I couldnt pay the balance of XXXX in full because I was out of work due to covid 19 and she gave me until XXXX to email her on what I could do regarding balance. I emailed her letting her know I still wouldnt be able to pay balance in full. I never received a reply back to the email nor a call. I have been calling still trying to resolve the matter and nothing. On XX/XX/XXXX I received a letter in the mail stating that I could call and make a pay arrangement. So I called today on XXXX XXXX and was told I couldnt make a payment arrangement and that they will continue to affect my credit report negatively. That a payment is required by XXXX or negative remarks will be added to my credit report.. I have tried over the years to settle this debt and with no resolution. Just rude representative and no compassion or understanding.

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 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I logged into my Chase business account in attempt to pay my credit card bill. I received an error saying that it was not possible to pay from the business account, so I called the help line for assistance. The helpline informed me that the bank had frozen my account, and it will be closed soon. When I asked why it was frozen, the answer simply was, " We no longer wish to do business with you ''. Further inquiry on when it will be closed gave no definite answer, nor did I get a response on why I did not get any official notification on freezing or closing of the account. I was simply told, " You will get notification soon ''. 

Today is XX/XX/2021. In these few days, I have reached out to Chase secure messaging center, XXXX, and received a call from a Chase representative who had all told me the same thing - my account is under review. To this date, I have not received ANY official notification on my account freeze or the closing of my account. And there is no response on when this will be closed. 

There is a total of about $ XXXX in the account that is currently frozen. I informed the representatives that I have bills to pay, I have a small business to run. The answer simply was, " Sorry for the inconvenience ''. 

I was not informed of any order against my account, and was further able to open a new bank account with a new bank with no issues. I always maintain a high balance, do not have any overdrafts on the account, no debt, and pay my bills timely. Therefore, I do not believe I myself or my business has any legal implications that I am aware of. 

I require access to my funds immediately, my business needs to those funds to be operational, and a bank should not be allowed to freeze or close accounts without valid reason, or at least a timeline of when I can expect to have access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 I received a notice from PayPal that {$120.00} was deducted for a payment to XXXX. I checked all my XXXX settings and was no evidence of such a payment that originated from my XXXX account nor have I ever requested such a payment ever. 

I disputed the payment with PayPal and they closed the case and stated : " Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. We've noted the account changes you reported with this case. '' Someone has fraudulently made a payment and PayPal is not willing to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
for the 3rd year in a row they are claiming a shortage in my escrow .I do not understand how for 3 years in a row we have any shortages. This has been a yearly thing since MR COOPER took over our loan.this time they claim a shortage in the amount of XXXX raising my monthly payment from XXXX to XXXX. Before my cooper took over loan we filedfor, and receved a modification so we could afford loan now this place raises our fixed payment every year claiming shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: PA

Complaint narrative:
EquiFax 's Company Response to my complaint : " Thank you for submitting your complaint on [ Date ] through the CFPB Complaint Portal. It is our policy to take each complaint seriously and to respond to complaints. We apologize for the difficulty you experienced in trying to obtain your Free Credit file online. Equifax has mailed a copy of the credit file to you. If you have any additional questions or concerns regarding your Equifax credit file, you may visit us at www.equifax.com or call us at the toll free number provided on your credit report. '' 1 ) I have not received a copy of my Annual Credit Report in the mail as promised. Only received a Dispute response. 

2 ) They are claiming that they do not have copies of my ID in order to provide my Credit Reports and respond to Disputes. I have sent it multiple times with each communication to them. 

3 ) I need to be able to get copies of my Annual Credit Reports and Covid-19 Weekly Reports on-line, which I am currently unable to do on XXXX. 

They need to fix the 3 questions that they ask in order for me to access my Credit Reports. It is currently set up to ask me 3 questions, which all have to be answered with " None of the Above ''. When all 3 questions do not have an actual answer, it doesn't let you get your reports. 

EquiFax has all of my personal information available to them, so there is no excuse why they can not find at least one question that they can provide, that I can actually answer with the answer choices provided, in order therefore get a copy of my Credit Report on-line. 

I need them to fix this At Once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Fidelity Creditor Service. The Account Opened is Fidelity Creditor Service Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: AZ

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at XXXX  on XX/XX/XXXX, and XXXX at Transunion on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my XXXX  credit report and Transunion Credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$300.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX credit report, and my Transunion credit report due to my identity been stolen.

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