vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2021 I received a notice from the Colorado Department XXXX XXXX that I had applied for unemployment benefits, which I had not. I notified them through their online process that this was a mistake or fraud. My employer also notified them that this was fraud. 
Today I received a prepaid " Reliacard '' from US Bank. Their phone number directs me to their website, which isn't working. 
I need this account closed, flagged as fraud, and all further progress on this fake claim for benefits ceased. I am looking for verification as such, and US Bank is unavailable.

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 2021-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I recently received letter dated XX/XX/2021 from MRS BPO LLC in an illegal attempt to collect an alleged debt in the amount of {$22000.00} that I do not owe. In response I have submitted a dispute letter dated XX/XX/2021 with clear instructions to cease and desist all collection activity, including all reporting to consumer reporting agencies. Also, to promptly request deletion of any and all prior reporting made to any consumer reporting agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have already contacted the bank about my secured credit card. I personally came to the branch 6 years ago. Paid all I must in full and a bank employee told me that everything was fine. The card would be closed and I didn't owe anything else. In the written response from the bank, there is no information on how they conducted an investigation into this matter.

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 2021-03-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX ( XXXX ) XXXX Charge Card XXXX XXXX XXXX Phone Number UnavailablXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX. XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
To Whom it May concern : I have sent multiple rounds of letters to your company requesting that your company please verify the accounts that are being reported on my credit report as delinquent. The first letter was sent out via certified mail XX/XX/2020 and was received XX/XX/2020. Your company has failed to provide me with any signed documentation with my signature, only a summary of a debt that your company claims that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/2020 a collection account was placed on my XXXX, XXXX, and Experian credit reports. I contacted all three credit bureaus for verification and also the collection agency XXXX XXXX XXXX XXXX XXXX about the debt, in return the collection agency sent a list of my medical procedures which they did not have permission to have, nor did they provide a HIPAA release form. Which was a violation of my HIPAA rights, I sent a second letter to the three credit bureaus and the debt collector to notify them of the HIPAA violation, and all three bureaus have past the FCRA 30 day window. Thank your time.

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 2021-03-17 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: MO

Complaint narrative:
XX/XX/2018 - purchased timeshare under predatory standards. XXXX XXXX XXXX issued credit cards via Bank of America immediately. Currently paid agency to terminate our Timeshare but we still have the balance with Bank of America that we would like forgiven due to the circumstances. We have 2 cards issued to us. XXXX and 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 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
On XX/XX/2020 we the owners of mortgage # XXXX did a money-wire to be applied to the Principal Only. We make monthly mortgage payments directly to the NewRez bank and the the {$25000.00} dollars wire was in fact reflected days later on our statement. 

The problem is that on XX/XX/2020 and on XX/XX/2020 the NewRez bank was formally asked and reminded via email why our loan maturity date had NOT been adjusted. On both occasions, the bank has responded back with the same written excuse. They claim that our mortgage loan is managed by a group of investors in New York. NewRez only provides the address of the building but won't disclose who the investors are. 

Why should we as mortgage customers be contacting third-party unknown mortgage investors so they adjust our loan maturity date?. We make payments to, We do business with NewRez, so they should have THE legal and THE ethical obligation to adjust the maturity date on our home loan. 6 months have gone by since we made our {$25000.00} dollars wire and the NewRez bank has not shown any interest to be a liaison between we the customers and the so call " investors ''. In other words, the so call " investors '' are not been held accountable because NewRez is not accountable either.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC
State: TX

Complaint narrative:
My complaint is with Insight Management Partners a debt collection Agency. I never received anything in writing from them via Mail or email prior to the initial calls. On XX/XX/17 after supposed repeated attempts to contact me they found and contacted my Mother-in-law who does not live near us, disclosed my debt with her and referenced a lawsuit. She frantically contacted my wife. I then called them and informed them that while they can contact family members to try and reach me, they are not allowed to disclose my debt. When I mentioned this to the agent at the beginning of my call he shrugged it off and said he was just trying to help me. This is a shady tactic and illegal. He repeatedly said the amount is lower than they normally pursue those tactics. I am embarrassed that someone other than my spouse is aware of the situation and very upset by their practices ; my rights have been violated. I have made arrangements with them at this time, but this is NOT how you do business. I do have the call recorded if needed. I will go to any lengths allowed by my consumer protections rights to make sure these guys are fined or punished for their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: IL

Complaint narrative:
Hello I reach out to transunion about some inquiry on my credit report. They didnt removed them and I was a victim of identity theft.

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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX @ XXXX XXXX mountain time. 


text message received " XXXX XXXX Our office has been notified of a return check. To prevent your file from being turned over to the Check systems call our office today. A Claims Specialist can be reached at XXXX. '' The number is a Hypertext link. 
In my opinion, this is timed with the Federal checks set to roll out to tax payers.

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 2021-03-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mailed a dispute to Experian on XX/XX/2021 and was expecting to have the results of my dispute mailed to me. Experian refuses to mail the results to me. They have sent me multiple emails stating that my investigation results are ready to be viewed " online ''. I want my results mailed to me because I mailed the dispute request to them.

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 2021-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
I have been struggling to pay my mortgage. I tried to make a payment with the stimulus check I have received and they will not accept payments, they want the full amount that is behind? Why can't they work with me when I am trying to make a payment?

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I wrote to your bank about accounts that should not appear in my report. You asked to send you a copy of the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I contacted Quicken Loans about obtaining a mortgage loan for a house I had just gotten under contract with ; XXXX XXXX XXXX, XXXX XXXX, NC XXXX. On the advice of my real estate agent, XXXX XXXX, I specifically asked how quickly an appraisal could be ordered and when we would have the report by to ensure we would have it prior to our due diligence period ending on XX/XX/XXXX. I was assured by XXXX XXXX that the appraisal would take place on XX/XX/XXXX and the report would be returned to me no later than XX/XX/XXXX. Over several phone calls to XXXX, and XXXX XXXX before and after XX/XX/XXXX, we were assured that the appraisal had been conducted and that Quicken Loans was urgently working to obtain the report and give it to us. After the due diligence period ended on XX/XX/XXXX my real estate agent and I continued to follow up with our points of contact at Quicken Loans and on XX/XX/XXXX were informed that the appraisal never happened and there was no report to send to us. The original closing date for this sale was XX/XX/XXXX. Quicken Loans was aware of this starting on XX/XX/XXXX. During this time they provided many assurances via phone and email to myself and my real estate agent that they were " urgently working '' to resolve this issue and addressing this with management at Quicken Loans and the Appraisal Management Company. To date I have seen no evidence to prove anything has actually been done to honor the original closing date, or expedite a new closing date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17 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:
The credit have fail to do their job yet again. I had a debt with XXXX XXXX XXXX account # XXXX. I settled with them for {$390.00} on XX/XX/2020. This was supposed to be deleted and still remains on my reports. Why after several months this is still on there I have no clue. Attached you will find the confirmation letter from XXXX with the proof it was paid. Why is this taking so long to be remove from my reports? I did my part now it time for them to do their.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
A fraud hold was placed on account for a check that was deposited the got returned in XX/XX/2020 We thought we had the matter resolved with the bank ( keybank ). We received a government direct deposit, when to pull the funds out and was told there is a fraud hold on account. We waited 3 hours for them to figure out what was going on and for them to remove fraud hold and release our funds to us. This was in XX/XX/XXXX. We were told that the account was back in regular standings. Now here we are XX/XX/XXXX and received another government direct deposit and our account still has the same hold and they are preventing us from withdrawing our funds. We have been at a branch location for 4 hours and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Conn's, Inc.
State: CO

Complaint narrative:
I bought an appliance from Conn 's for the first four months I had to go into the store physically call constantly to try and get my balance paid they kept telling me they were going to send me a coupon book each month I kept asking for the ding coupon book to know avail it should not be my responsibility to have to drive to the store every month to make phone calls every month repeatedly requesting something that I was told at the time of purchase would be submitted to me when they send me my coupon book and take it this negative off my report I'll be more than glad to pay but until they finish me the necessary documentation I should not have to go out of my way every month to get this issue resolved I keep getting told you can pay off the balance you can pay off the balance I don't want pay off the balance I want my coupon book that I was told I would get so I can make monthly payments know exactly what day they're due they are very unprofessional and they really don't care but they sure do want to go out and hurt you and as far as credit goes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I used the Citi 's promotional offer to open Citi checking account. As per that promotion, I am suppose to get {$200.00} cash back after keeping {$5000.00} as balance. I deposited {$5000.00} on XXXX XX/XX/2020. Since last 2 days - I am checking with Citi 's customer service ( which is slow, sluggish and inefficient. Citi has become so big with the general implication that " left hand doesn't know what right hand is doing ''. I am being transferred from one agent to another and vice versa. No answers. It's total waste of time to deal with customer service folks in Citi. 
Why Citi is hiring and outsourcing jobs outside of USA - very poor performance by these overseas employees of Citi towards USA based customer like me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: AZ

Complaint narrative:
Loan : XXXX PAYMENTS : We made 3 payments to HomePoint Financial in XXXX to get caught up on the forbearance payments, The balance should be {$2000.00} ( {$1000.00} balance due and the XXXX payment of {$1000.00} ) however three statements were sent in XXXX with a balance amount of {$4000.00}, {$3000.00}, {$2000.00}? HomePoint Financial needs to get it together. I want a statement reflective of the accurate balance of {$2000.00}. We are paying XXXX in XXXX and expect a zero balance statement. 

{$4000.00} balance XXXX {$1000.00} payment XXXX {$1000.00} payment XXXX {$1000.00} payment ESCROWS : The escrow balance was negative - {$1500.00} and mortgage payment is going up {$300.00} as a result in XXXX. A subsequent escrow statement sent XX/XX/XXXX reflect a XXXX with a mortage payment increase of {$430.00}. Both escrow statements are listing both insurance policies in the amount of {$1300.00} however when we called HomePoint on XX/XX/XXXX they stated a payment was made on XX/XX/XXXX to XXXX in the amount of {$780.00} for our property insurance which they have listed as Wind & Hail. On XX/XX/XXXX they paid XXXX XXXX XXXX {$1300.00} which they have listed as our property insurance but in fact its our Wind & Hail insurance. Last year, HomePoint Financial sent a check to XXXX XXXX XXXX XXXX XXXX, an unknown company that has no relation to XXXX or XXXX XXXX XXXX in the amount of {$1300.00}. They told us to call the XXXX  XXXX XXXX XXXX when they made the mistake to inquire on a refund. 

Homepoint said this was a clerical error made at origination. I need an explanation on where that payment is? Was a refund or stop payment placed on the payment that was made to the unknow company? Were those funds applied back to the loan? We refinanced this account a year ago and there should not be a negative amount or such a huge discrepancy. Additionally, knowing you paid {$780.00} and {$1300.00} why would you have them both listed at {$1300.00} for the XXXX escrow statement. If this is a result of your mistake then your company needs to own up to it. I have an email attached that was sent to HomePoint Financial requesting research be conducted on this insurance issue under RESPA and received no response. 

CFPB needs to look into HomePoint Financial practices of escrows, payment application, forbearance payments, modifications without notifications. We are also pending a response on the Deceptive and Abusive practices of increasing payments and interest rates without borrower notification. This company should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX  XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$5300.00} XX/XX/XXXX

Company response to consumer: Closed with explanation