vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX i notice a debt thats was on my credit that i did not do. I called the number XXXX I was told that this account was opened XX/XX/XXXX I did not do this. I am a victim of identify fraud. in XXXX a client of mine stole my wallet with my bank information id. The amount was 1567.00

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: FL

Complaint narrative:
I have been trying to get my Equifax credit scores for a month. Ive tried through the MyXXXX app, XXXX XXXX, as well as the My Equifax app as well. The XXXX app received an error message stating Information from inquiry has been identified as potentially fraudulent or misused therefore the credit report is unavailable. I am in the process of closing on a home and can not proceed with the process until this issue is fixed. My mortgage loan officer has also tried to pull the score and he is getting a message the the information is suppressed. On the My Equifax website it says that the score is unavailable. Ive contact Equifax by phone three times. Each representative advised me there are no fraud alerts or credit freezes so I shouldnt have any issue obtaining my reports. However, I am still unable to obtain this report and desperately need this issue fixed so that I can close on my home as soon as possible, this is the only thing holding up the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have Macy 's store card and I keep incurring late fees, and extra interest. I keep requesting that my due date be moved to the XXXX to line up with my pay and other bills. All I keep getting is excuses, exuberant minimum payments, folks that aren't notating the account to show that requesting was even made and even though I available credit of {$93.00}, my card was declined for 54.54.. I recently made a {$62.00} payment on XX/XX/XXXX to only show {$75.00} due 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 2021-03-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly reported errors to Equifax on my credit report. I requested that they provide me with the source of the data so that I could dispute it with the provider. 

As an example of an obvious error, they are reporting an address that says it was reported over 100 years ago ( " XXXX XXXX  ). 

Instead of providing me with the source, they put my request in the " Consumer Statement '' field of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was a victim of credit card fraud. Somebody used my America Express credit card. I did report it to them. They did investigate it and clarified everything but they cancelled my credit card. They never sent another one. It felt like it was my fault. I am still paying it but they denied me a replacement. I spoke with them but they said not to me. American Express never sent another card. That is discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Leopold & Associates, LLC
State: NY

Complaint narrative:
Responses to several Complaints to the CFPB about the Standing of XXXX XXXX ( XXXX ) in a court case Index XXXX in Supreme Court, XXXX County, NY have consistently responded we are not the party of interest, which translates into we are not the plaintiff in the case. 

On XX/XX/2017, the Department of Justice ( DOJ ) announced that they had found XXXX guilty of fraud against homeowners and investors in foreclosure cases similar to ours. On XX/XX/2017, XXXX allegedly filed the present case, Index XXXX, which is almost 6 months after XXXX lost their Standing. 

The discrepancy we are pointing out is that XXXX is listed as the plaintiff in Index XXXX despite having been found guilty in those foreclosure cases and having lost their Standing in our case. The logical conclusion to be drawn from this situation is that someone else besides XXXX has listed them as plaintiff. 

The only other parties involved in our case are the two law firms that have appeared as Attorney of Record, Leopold & Associates first and presently XXXX XXXX XXXX. As a defendant in the case, I have asked the question of XXXX XXXX, Despite pointing out to you that XXXX lost their Standing by the DOJ as far as appearing in foreclosure cases, you, XXXX XXXX, has ignored our question over the past two weeks, Who is the plaintiff in our case? 

We are asking this question of both Leopold and XXXX XXXX. Here are their addresses : Leopold & Associates : XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified account and past 30day no response : XXXX XXXX Account number XXXX and XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
My Home loan was originally serviced by XXXX XXXX XXXX in XXXX. My original loan was XXXX. XXXX packaged the loan with a HELOC for XXXX and all payments were through them directly. In XXXX I refinanced my property with XXXX and was told there were no additional obligations. Later in XXXX, I began to receive calls from SLS for payment and threating against my property. I have attempted to settle this matter directly by phone and agreed to send them a check in the amount of XXXX. I was told by one of there representatives that loan was to pay against a check that was sent to me for home equity. I have never requested or received any money. In addition, I found out the part of my land was no longer mine. I have attempted a lawyer but this company is still contacting me and has even attempted a foreclosure. 
1.Specialized Loan Servicing is attempting to collect on a loan without showing proof of ownership for the loan. 
2. SLS is responsible for selling a loan whereas the description of the property does not match the loan documents. 
3. XXXX failed to pay my property taxes from escrow. SLS now represents this company and has caused me to lose part of my property in a tax sale due to failure to pay property taxes on property they financed me. 
4.SLS has costed me XXXX in loss of property and income. 
5. SLS did not send out regular payment schedule and waited years later to quote me different balance amounts inconsistently.

6. SLS did not send me statement for years and now are attempting to collect which has exceeded the Statue of Limitations. The original loan is XX/XX/XXXX. 
7. SLS has attempted to foreclose on the remaining property described in my loan that is being serviced by XXXX XXXX loan 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 2021-03-29 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: TX

Complaint narrative:
On XX/XX/XXXX, I sent a letter regarding Inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60/30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: NY

Complaint narrative:
I am submitting a complaint in regards to my XXXX account that is held by XXXX  XXXX  Back in XXXX of 2020 my account was closed by the creditor due to XXXX taking them over. I never had a physical card with XXXX and no account number. I had to pay this card via XXXX XXXX XXXX Well in XXXX when they closed down the website went down as well. I contacted XXXX  back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of 2020 XXXX called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor XXXX my request XXXX what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from XXXX be removed off my credit reports. I pay all my bills on time and my credit is extremely important to 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 2021-03-29 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: NY

Complaint narrative:
I am submitting a complaint in regards to my XXXX  account that is held by XXXX  XXXX. Back in XXXX of XXXX  my account was closed by the creditor due to XXXX taking them over. I never had a physical card with XXXX and no account number. I had to pay this card via XXXX XXXX  website. Well in XXXX when they closed down the website went down as well. I contacted XXXX back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of XXXX  XXXX called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor XXXX my request XXXX what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from XXXX be removed off my credit reports. I pay all my bills on time and my credit is extremely important to 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 2021-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been sending request for debt validation with no luck. They keep sending the same information that is connected to the original loan. I found out from an attorney that they filed a lawsuit against me to collect a debt and never notified me. They have my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
I became delinquent on my car loan in XXXX of XXXX. I called at that time and could not seem to get payments to go through. This resulted in an extended delinquent period of time. I began trying to resolve this again in XX/XX/XXXX. At that time they wanted to make it current for almost {$8000.00} but I could not at the time. I had my father attempt to resolve this issue with no success. I finally received financial counseling by the XXXX and they are trying to assist with a loan however Ford is stating they want payment in full. I received the debt validation letter from Ford showing my balance. I wish to be set up in a payment arrangement for the original payment amount of {$500.00} per month. Ford will not allow this to happen. Due to this extensive delinquency, my security clearance may be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: VA

Complaint narrative:
The bank informed me that XXXX XXXX County reported missed payments for the XXXX and XXXX real estate taxes, I provided the bank with my proof of payments, the bank ignored the proofs and later claimed that it paid XXXX XXXX County again and the county refused to refund the money it paid. The bank then demanded that I must refund the amount that the county refused to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The bank informed me that XXXX XXXX County reported missed payments for the XXXX and XXXX real estate taxes, I provided the bank with my proof of payments, the bank ignored the proofs and later claimed that it paid XXXX XXXX County again and the county refused to refund the money it paid. The bank then demanded that I must refund the amount that the county refused to return.

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 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Documentation support Report XXXX AMEX FRAUD Payment was delayed Phone contact to AMEX stated it was possibly due to snow. 

Other parties XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX, VA XXXX XXXX, XXXX, NC XXXX XXXX XXXX, XXXX XXXX, VA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
U.S. Bank is in violation of numerous consumer credit laws. I used my credit card as defined by 15 usc 1602 ( l ) to enter into a consumer credit transaction with XXXX XXXX XXXX ( Now U.S. Bank ). XXXX had been sending me deceptive forms as described in 15 USC 1692j for me to pay on an alleged " debt '' when in fact, I am the original creditor and the consumer. Pursuant to 15 usc 1692c, I have informed them in writing that I wish to no longer pay on this alleged debt. 15 USC1605 ( a ) states that " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '', but in contrast, they have taken a plethora of comparable cash transactions ( ACH payments ) over a course of 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 non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Portfolio Recovery has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: SC

Complaint narrative:
I have applied for numerous credit cards and while in the earlier stages I was advised that it would be more difficult to obtain a credit card due to a lack of credit history, I should continue to build credit with my current two cards. I have been advised by Experian that I had a 98-100 % chance of being " pre-approved '' for their credit cards and am subsequently denied every time on these hard inquiries. I have upwards of 15 denied credit inquiries, which I've attempted to dispute with my bank, Experian, and XXXX XXXX. An Experian phone service agent admitted to me that their website can be deceptive in terms of having people apply for a credit card and the likelihood of being approved. I need these inquiries to be removed and Experian should be investigated for their unethical and misleading phone agents. I would these inquiries to be removed from my credit file so I can improve my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation