vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
The creditor Ally Auto is not reporting timely payments to the credit bureaus. They are not reporting the correct loan balance on my credit report. The account is paid up through XX/XX/21. This is a violation of the Fair Credit Reporting Act.

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I decided to check m credit due to me being away for the past 2 years. I finally have a new job where I am at home now. My kids decided to tell me that they tried to apply for loans and credit cards in my name online so now I have 12 hard inquires on my account. I called all the companies and they told me there was nothing that they can do about it. I called Equifax and they told me they were coming back verified. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
We have a mortgage with PHH, account XXXX. We have two property parcels that are included in our mortgage and are escrowed each month. We received notice from the XXXX County, Wisconsin tax assessor that property taxes due XX/XX/2021 have not been paid on one of the parcels. I contacted XXXX on XX/XX/2021 but the taxes remain unpaid. A penalty has now been assessed. This is on XXXX County PIN # XXXX. The total due as of today is {$73.00} plus {$2.00} interest, total {$73.00}. Please assist us as we have not received any response from PHH. 

Many thanks.

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
The creditor XXXX XXXX is not reporting timely payments to the credit bureaus. They are not reporting the correct loan balance on my credit report. The account is paid up through XX/XX/21. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
I had observed some fraud on my account and went to the bank to see about stopping it. I asked to change accounts and get a new one. They denied my request. They said they were closing my account without my consent. They said I would have access for another 30 days and after that it would be gone. I tried to look at transactions and can not gain access to my account. I therefore can not complete my IRS income taxes based on my finances and payment transactions I made in all of XXXX. And will need XXXX transactions also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have tried to open up an account with Wells Fargo, but I wasnt approved. I received a letter being told to contact this website for more information. I also opened a debit card with another bank, which the bank closed.

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 2021-05-01 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: PA

Complaint narrative:
XX/XX/2021 I sent a dispute letter on inaccurate and unknown accounts on my credit report. It's been over 60 days and XXXX, Equifax, and XXXX  did not respond. I feel like I'm being ignored of my disputes. According to 611 ( a ) says failure to investigate these items 30 days they should delete immediately. It has been over 60 days. I demand these accounts to be deleted or will file for litigation due to the anxiety you caused me. My information was impacted by the Equifax breach and may have gotten in the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up under the BONUS400 promotion, which states : " Open a XXXX Checking account between XXXXXXXX XXXX. ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeBONUS400. Receive at least 2 direct deposits totaling
{$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. '' I opened the account on XX/XX/XXXX. I received the following direct deposits : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The terms stated it should be paid by XX/XX/XXXX. It is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Landlord, XXXX XXXX did not give any notice before sending an alleged damage claim to XXXX XXXX XXXX XXXX XXXX states according to Lease agreement without a forwarding address landlord did not need to contact to advise of alleged debt prior to placing on all three reporting agencies. The lease requires a forwarding address for a security deposit but not for the risk fee charged. Landlord never took a security deposit although they charged a risk fee in connection to a security deposit. Then used the laws governing security deposits to attack our credit without warning although no security deposit had been charged or paid. The risk fee was charged and paid not a security deposit and there is no move out protocol given for a risk fee. And as such, we were not required to give a forwarding address in accordance with the lease agreement signed. Landlord had mobile phone numbers and email addresses, yet made no effects to resolve this issues before attacking our credit. In addition, items listed for cleaning charges are not listed in the lease agreement. Landlord waited eights months after move out to attack our credit without warning. I've disputed this debt with the collections company. They are aware the legal forwarding address requirement is for security deposit not risk fees and no notice was given prior to placing damaging items on credit report and they have chosen to move forward with an alleged damage debt. This alleged damage debt was place on our credit at the exact time that I was submitting applications for apartments. One such complex waited three days called with a denial based on the above and has yet to put the denial and or conditional approval in writing as required by the consumer fair credit protection law. The landlord intentionally sought to damage our credit, and I am now being locked out of housing and forced to pay debt regardless of dispute because such damaging items deny one the ability to seek future rentals. The landlord used the credit reporting system as first resort while never giving us the opportunity to dispute items with them and or make payments if necessary to avoid negative credit effects.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX am a victim of identity theft the information listed in this email which appears on my credit report does not relate to any account that I have made or open it is the result of identity theft Please block this information from my credit report pursuant to section 605B of the fair credit reporting act and send the required notification to all furnishers of this information enclosing this email or screenshots of the fraudulent accounts a copy of my credit report I received the fraudulent items are as I said in the screenshots attached to this email a copy of my identity theft report and proof of my identity a copy of section 605B of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days Also attached to this email you will find a copy of my complaint with the cattle retreat commission you will find another complaint to Fbi IC3 crimes unit you would also find an affidavit from the IRS for identity theft you would also find a report from XXXX XXXX XXXX Police Department and you will also find a copy of my lease and you would also find a copy of I am doctors restrictions As you can see from the attachment in this email my Social Security number trays that I searched on XX/XX/XXXX it appears as someone is using my Social Security number located at XXXX XXXX XXXX, XXXX, CA XXXX and the aliens that they are using is XXXX XXXX Furthermore the information that XXXX  has put on my credit report was removed in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX it is unfortunate that XXXX  has chosen to violate my rights and discriminate against me by expressing depraved deceptive and misleading business practices My hope is that we can resolve this issue quickly this XXXX of my identity has been going on for far too long years and if XXXX  is still not going to follow the laws and rules of the current consumer protection act then I will file my complaint with the United States justice department for discrimination with people XXXX as well as well consumer protection agency Im not sure why XXXX has chosen to re-open claims that or fraudulent accounts they were open on my XXXX XXXX report after I had already disputed it and it was removed XXXX re-opened it for whatever reason it was wrong and it was bad business practice furthermore at the time in XXXX XXXX I was XXXX and in and out of hospitals four weeks and months at a time I have also the hold a complaint with Nevada state attorney generals office in XX/XX/XXXX and I also have a pending complaint of assault with the XXXX XXXX XXXX Police Department dated XX/XX/XXXX as well

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 2021-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
They just made all difficult for me. My account was already verified with all my personal information and I never made any mistake. 

I Guess PayPal must fix the problem. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: LA

Complaint narrative:
Dear CFPB, My name is XXXX XXXX. I am complaining about getting my usbankrelia prepaid card from usbank because they said I have to get the state to update my address and phone number. I am having trouble getting a card mailed to my new address. On XX/XX/2021 I had spoke with the Louisiana workforce commission office representative and the usbank and they both can not help me with this horrible situation. I have benefits from the unemployment office. I am devastated because I can not pay my bills and support my child due to not having my relia card from the usbank. The amount on the card is over {$1000.00}. No actions was taken place. You can email me at XXXX or call me at XXXX. I need my address and phone number updated on the my usbank relia prepaid card. My new address is XXXX XXXX XXXX XXXX. My number is XXXX. 

Sincerely, XXXX XXXX XX/XX/2021

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 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX I passed the MLO test to become a mortgage loan officer. After I applied to the NY State Department of Finance for my license they came back and said that there was a charge off from Bank of America from XXXX on my credit report. In order to get approved and obtained my license I need a letter from Bank of America with my account number on it that states this loan is paid off or I am working to resolve this issue. I have been calling Bank of America since XXXX in order to obtain this letter. Because the account was charged off in XXXX no one can pull the account so I get transferred to someone who can pull the account up in their old system. When I speak to that person they tell me that the account is closed and already paid off and they will submit the request for the letter. I have not received a letter. I have sent in written requests for the letter and never received a response. One representative told me that I needed to start making payments. I told them I was willing to set up a payment plan and they said we don't do that. I then said what if I make a {$1000.00} payment can I have a receipt or letter showing that I am working on resolving this issue, they tell me no we don't give receipts. I was also able to obtain the lien release from the State of New York. When I tell Bank of America I have a copy of the lien release they tell me yeah we see it but I can't help you. I have been transferred to every department, I have 13 different case numbers. When I give them all the case numbers they say they can't see them that I must have made these requests online. I tell them I have never submitted a request online and I give them names of people I speak with. They tell me " well we are all over the country so I don't know ''. If I do get someone who can see my account they tell me that they see the lien has been paid off they have the lien release and oh you will get a letter in 24 hours. I still haven't gotten the letter. The account is closed, the lien has been paid. I had 90 days to get this letter and my time is running out. I have spent hours on the phone, written multiple letters and Bank of America will not help 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 2021-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Global Solutions, LLC located in XXXX, MN contacted me by mail in XX/XX/XXXX to collect a debt owed by my spouse for XXXX XXXX  completed for him by XXXX in XX/XX/XXXX in the amount of {$230.00}. 

Radius LLC stated they would send a negative report to the credit bureau ( s ) for me, if the above amount was not paid within 30 days of their dated correspondence XXXX XXXX XXXX ). 

I sent Radius LLC a certified letter on approximately XX/XX/XXXX, informing them that this was not my debt, and that I had not signed in approval of any services rendered in connection with this debt, or any other related debt for my spouse. Further, I notified Radius LLC that, unless they could provide me documentation that this is my personal debt and I am legally liable, they should not contact me for attempted debt collection, nor report derogatory information about me to the credit bureaus. In the meantime, I also notified Radius LLC I would report this issue to the Texas Attorney General, which I did ; my complaint was confirmed as received, as of XX/XX/XXXX. 

In sum, I have received a billing statement originating from XXXX, which identifies my spouse, as the patient, for whom his doctor requested testing. I have never met or spoken to his doctor. This billing statement in my spouse 's name does not confirm my financial responsibility for services provided. It only supports the fact that my spouse is the sole party who signed and authorized services at that doctor 's visit. My spouse is, therefore, financially responsible. Radius LLC should be contacting him, alone. 

These debt collection practices are beyond unfair. They do not seem legal.

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 2021-05-01 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: SC

Complaint narrative:
Please remove XXXX XXXX  from my account for Violations and Inaccurate Inaccurate of open day Inaccurate of payment history Inaccurate balance This is a Violation

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 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had a XXXX credit card back in XXXX with balance of {$10000.00}. At that time I was going through financial difficulties loosing my properties, and employment. I was making minimum payments and called XXXX to negotiate to reduce my minimum payments until I could get back on my feet and able to pay more. Instead of that XXXX closed my card and increased my minimum payment and the burden was too great. I stop paying the card. Last payment I made on XX/XX/XXXX, and the credit report says debt " charged off ''. A few months later I got notice from Midland Funding LLC that I owed them about {$12000.00}. According to credit report It was placed for collection on XX/XX/XXXX and was removed in XXXX. I did not received from court or Midland Funding any court proceeding after lawsuit was filed in XXXX. Didn't receive notice of hearing or copy of judgment or any copy of default judgment from court or Midland at all. Also I never received notice of motion to renew judgment or copy of renewed judgment from court or Midland Funding. I live at same address and would not miss any court notice and hearing. I did check credit report every year and it was no public record or any judgment. XX/XX/XXXX I received notice of wage garnishment from XXXX, XXXX for {$22000.00} that took effect on XX/XX/XXXX 25 % of my wages and it is causing great hardship on my family and finances. I believe it is time-barred debt XXXX more than 10 years ) that I was sued for without my knowledge. I received no copies from court or Midland of said judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I logged into the netcredit.com webpage to process my payment earlier than the due date, on XX/XX/XXXX. I scheduled a single payment with the company, and they processed that payment two times. I saw this on Saturday morning and reached out to the company and was on hold for over 40 minutes and then I was disconnected. When I attempted to call back it was no longer during their business hours.. this caused a financial impact to my personal bank account as I was not prepared to make a double payment nor did I request it. Company is not able to be reached by phone

Company response to consumer: Closed with explanation