vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
A credit card was opened in my name without my consent. I never received a bill from this company and once I realized what happened I immediately closed it. I have reached out to the company for a letter to take the error off of my credit report and they refuse even though I told them it was fraud.

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 2020-10-21 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: NC

Complaint narrative:
I have asked XXXX, TransUnion, and XXXX to investigate the late pay and accounts that do not belong to me. According to them, they said the creditors verified the accounts and accuracy. I sent them all letters stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. TransUnion and XXXX said they didn't know if they could do that. I feel they are not reporting accurate information about me. In addition, TransUnion and XXXX will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about me, which is preventing me from getting these errors corrected and/or removed. They failed to honor my legal request. 

What is even more perplexing is they all shared with me the debtor does not have to provide evidence the debt belongs to me, they merely accept their verification. I personally wrote a debt collectors asking for evidence and I have not heard from them regarding my request, which makes me questions what and how are they verifying this debt if they will not communication with me about a debt they claim is mine. If the debtor is unable or unwilling to provide me evidence that proves the debt, what and how are they providing to the credit agencies?

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 2020-10-21 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: NC

Complaint narrative:
I have asked XXXX, XXXX, and Equifax to investigate the late pay and accounts that do not belong to me. According to them, they said the creditors verified the accounts and accuracy. I sent them all letters stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. XXXX and Equifax said they didn't know if they could do that. I feel they are not reporting accurate information about me. In addition, XXXX and Equifax will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about me, which is preventing me from getting these errors corrected and/or removed. They failed to honor my legal request. 

What is even more perplexing is they all shared with me the debtor does not have to provide evidence the debt belongs to me, they merely accept their verification. I personally wrote a debt collectors asking for evidence and I have not heard from them regarding my request, which makes me questions what and how are they verifying this debt if they will not communication with me about a debt they claim is mine. If the debtor is unable or unwilling to provide me evidence that proves the debt, what and how are they providing to the credit agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
During the COVID 19 Pandemic the primary head of Household in our family became unemployed. The servicer of the mortgage Select Portfolio Servicing Inc. put our loan modification that we have been paying on time into  forbearance until the pandemic is over. 

They also said that we could apply for a loan modification and we submitted documents and was denied twice. 

The reason for denial the servicer stated that our income was not evaluated in the decision. 

The servicer is in violation of Federal Reserves requirements with respect to having to review all loss mitigation alternatives. They also must review my income as per the qualifying criteria set up by the FED. Under the FED 's Statement on loan modifications under COID 19 as of XX/XX/2020. They also must review to reinstate the previous active Loan Modification.

See attached supporting documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last year ( 2019 ) my personal checking account with Chase was closed due to undisclosed reasons. 

After one year of waiting and hoping I would be in a better standing, I tried to re-open an account on XX/XX/XXXX, this time with a co-signer in hopes that it would have better chances of remaining open. 

My account was closed again, without giving me any notice, on XX/XX/XXXX my account was closed again, and I found out 4 days after when I was trying to log into my Online Banking profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I was approved for a loan on XX/XX/20. I uploaded all I come verification documents and all other necessary steps. I had multiple conversations with underwriters in required documents. One was illegible in the upload so I completed it and called to verify. I was the. Told by an underwriter that my home address could not be verified and that their data was showing my old address and they declined the loan. The loan was approved with the new address and my old address listed ( which I also verified ),  as well as my drivers license number, and a paystub and offer letter from my current employer. I verified dates of residence, etc. I was given no opportunity for additional identity verification and was purchasing from their preferred dealer. After approving me, giving the car information, and moving forward ( including making a deposit and travel arrangements to pick it up ) they then rejected the application.

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 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been banking with bank of America for many years, and this is not the first time this has happened to me. They change dates to squeeze in fees, and charge over draft fees on over draft protection fees that " ping pong '' until im hundreds of dollars in debt. Today was the most unusual of all, I was given an over draft fee, when I literally have thousands in my account. And they changed the order of transactions and dates in my app to support their claims, and were very rude when I called in to complain! This is shady banking. This is robbery. This establishment needs to be shut down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 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: TN

Complaint narrative:
Remove the inaccurate accounts

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 2020-10-21 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: NC

Complaint narrative:
I have asked Experian, XXXX, and XXXX to investigate the late pay and accounts that do not belong to me. According to them, they said the creditors verified the accounts and accuracy. I sent them all letters stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. Experian said they do not have to honor request and will not provide their method of verification. XXXX and XXXX said they didn't know if they could do that. I feel they are not reporting accurate information about me. In addition, XXXX and XXXX will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about me, which is preventing me from getting these errors corrected and/or removed. They failed to honor my legal request. 

What is even more perplexing is they all shared with me the debtor does not have to provide evidence the debt belongs to me, they merely accept their verification. I personally wrote a debt collectors asking for evidence and I have not heard from them regarding my request, which makes me questions what and how are they verifying this debt if they will not communication with me about a debt they claim is mine. If the debtor is unable or unwilling to provide me evidence that proves the debt, what and how are they providing to the credit agencies?

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Numerous times I've had to call Barclaycard because their automated pay system had issues and did not properly bill us. In one instance it billed on the XXXX when the payment was due on the XXXX, Barclay marked this as 30 days late, even though they took the payment, as they apply all payments after the due date to the next payment cycle. This causes issue with customers and the support staff as the custom is typically unaware of this until it shows up on their credit report. There are no notifications otherwise. Their support staff is not very knowledgable on some of their practices so when I called in XX/XX/XXXX and stated  that I started a new job, while asking if it was ok to pay on the XXXX, they told me that it was ok. It was not OK though as they reported me 30 days late again. This business practice is not right. If someone is 5 minutes late then they should not be punished for years on their credit report ( Yes, they told me that a minute past 7 on the XXXX would result in a 30 day hit to my credit ). I have disputed the reports numerous times and only twice have they fixed it. Yes, twice because I've had to deal with them on multiple occasions. They've also falsely reported on my credit other times without fixing it. This was in XX/XX/XXXX and XX/XX/XXXX. Note : They fixed the one in JXX/XX/XXXX, but did not fix the billing so the XX/XX/XXXX statement will show it  kept carrying over to other months. 

I would suggest no one ever do business with this company because they will make your life an endless nightmare if anything happens that sets you back. You can take responsibility and try to make things right, but they will not.

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 2020-10-21 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: PA

Complaint narrative:
I have unauthorized accounts & inquires on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) any unauthorized items on my report must be removed if not 100 % accurate and verifiable. Please Remove this From my report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed

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 2020-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIRST HERITAGE CREDIT LLC
State: MS

Complaint narrative:
I have applied for loan through first heritage credit and have not heard from them about my application. I have not received any letter in the mail for denial or approval. I am sure I have been denied but I am legally entitled to an adverse action letter. I havent received anything. My credit has been checked by them as I can see it listed as an inquire on my credit report. I have called a couple times to a couple different branches and I havent been able to get any information about anything. This is not the proper or legal way to do business. I applied for a personal loan on  XX/XX/XXXX and now it is XX/XX/XXXX and I haven yet to get any kind of answer as to what happened or to get a letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX Chapter XXXX bankruptcy discharged Date  FiledXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX A XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
He

llo, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you
calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: PA

Complaint narrative:
I have unauthorized accounts & inquires on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) any unauthorized items on my report must be removed if not 100 % accurate and verifiable. Please Remove this From my report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have unauthorized accounts & inquires on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) any unauthorized items on my report must be removed if not 100 % accurate and verifiable. Please Remove this From my report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed

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 2020-10-21 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: TN

Complaint narrative:
Remove the inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Insight One Solutions, LLC
State: MA

Complaint narrative:
in XXXX I refinanced my existing 80/20 mortgage loan with XXXX XXXX. XXXX only refinanced 80 % ( $ XXXX ) and told me that 20 % ( $ XXXX ) was considered a " loss '' and I did not need to pay. I never heard about the 20 %. In XX/XX/XXXX Sortis Financial squired this 2nd mortgage debt from some other institution and NEVER notified me for  8 years. I have never defaulted on my mortgage with XXXX since XXXX. Now XXXX I tried to refinance my home, I was not able to be approved because Sortis Financial placed a lien on my home title. Sortis Financial wants $ XXXX as they have accrued 8.125 % interest in 8 years ( $ XXXX + $ XXXX ). I have tried for 2 months ( XXXX to now ) they have not budge release the lien. It has caused me stress, made loose refinance and loose money. I am getting into more debt because of no refinance. now $ XXXX in debt and could soon default on my mortgage. I need help to resolve this situation. 940 CMR 7.07 ( 24 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear CFPB Headquarters.

American Express has been abusing the Fair Credit Reporting Act and running circles around myself and the CFPB complain system. 

I XXXX XXXX am the victim of Identity Theft with documents dating back years.

American Express is reporting a Fraudulent in my name. 

I have disputed this multiples times with American Express. Three times through the CFPB.

Each time American Express 's staff said they would later reach out to myself for more information.

Each time was a lie to wait out the complaint against them.

They then proceeded to resend another collections letter never having asked for the evidence I was told they would ask for three different times.

Their only statement has been that two payments were made to the card from a XXXX XXXX XXXX. However, as I have informed them every time that account was already confirmed as fraudulent from XXXX. However, regardless of this evidence that completely invalidates their " proof '' that the account is valid they merely lie, stall, and ignore the Fair Credit Reporting Act which they are committing multiple violations of.

In addition, the CFPB has been allowing this to continue as I have read multiple similar complaints online. The CFPB is failing to investigate and fight against this abuse towards the American people. Therefore, I demand this matter be escalated to the teams in charge of taking legal action when a corporation is knowingly and blatantly violating the FCRA and abusing consumers. Have the appropriate department contact myself with any questions. Further neglect from the CFPB concerning American Express 's abuse may result in us filing a case against the CFPB.

Company response to consumer: Closed with non-monetary relief