vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom This May Concern, Pursuant to 15 USC 1681a under Exclusion section B, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Congress said any card. The credit card is my social security card. This credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).

Pursuant to 15 USC 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. When a consumer report creates an investigative consumer report, they are not to include factual information and they're also supposed to interview my neighbors and friends or associates. Credit reporting is optional. There is no law saying that any consumer credit transaction has to be reported to a consumer reporting agency. A consumer reporting agency isn't a part of any political subdivision or the government. At the beginning of the FCRA under the congressional findings, Congress removed themselves from liability letting me know that this is an elaborate mechanism and you people assumed this vital role of reporting credit information.

I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. If you do not remove it then you are civilly liable for reporting this information and it is inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom This May Concern, Pursuant to 15 USC 1681a under Exclusion section B, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Congress said any card. The credit card is my social security card. This credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. When a consumer report creates an investigative consumer report, they are not to include factual information and they're also supposed to interview my neighbors and friends or associates. Credit reporting is optional. There is no law saying that any consumer credit transaction has to be reported to a consumer reporting agency. A consumer reporting agency isn't a part of any political subdivision or the government. At the beginning of the FCRA under the congressional findings, Congress removed themselves from liability letting me know that this is an elaborate mechanism and you people assumed this vital role of reporting credit information. I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. If you do not remove it then you are civilly liable for reporting this information and it is inaccurate.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I closed my secured Citi card ( # XXXX ) and was advised that it would take three weeks for the refund to process back to my account, after which I would receive a paper check. I called in last week on XXXX and was informed that this was the date ( XXXX ) that i would receive the money back.

However, I called in today and was informed by another rep that it would take upwards of 2 business cycles and 60 days to receive the funds back, despite assurances from a previous rep and supervisor that I would receive it on XX/XX/XXXX. Now I am concerned that my funds are being fraudulently withheld by Citi Bank.

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 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roberts Markel Weinberg Butler Hailey PC
State: TX

Complaint narrative:
The collection agency, Roberts, Markel, Weinberg, Butler, Hailey ( RMWBH ) XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX ), used unfair practices to collect excessive charges.They did not provide proof of verification. 
RMWBH ignored the statue of limitations. 
They had Charges on their payoff statement dated back to XX/XX/2010. ( See XXV ) RMWBH misrepresented the amount owed. 
I have copies of our invoices of the amount owed. ( See XXW and XXX ).

RMWBH hired people to come to our door Threatening to seize our property. ( See XXO ) Our bank verified that there was no foreclosure on our home.

I called RMWBH many times to dispute this matter. RMWBH staff members would tell me that they do not have the information. They would have someone call me back.

RMWBH continued to delay resolution. And continued to add up their fees.

RMWBH did not verify this debt. I requested a copy of the collection agreement from the XXXX XXXX XXXX  Board and they do not have a contract with RMWBH to collect their debt.

We were deceived and mislead into paying an exorbitant amount of {$8700.00}. 
I have requested a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: IL

Complaint narrative:
Once again, this has been going on since XXXX XXXX 2021. The XXXX XXXX Account do not have any account with me or for me. I have no contract with them and just learned, they do not have anything in my nor are they attempting to collect a debt in my name. Equifax is constantly stating they are working on the issue. How can you work on something that is not valid and does not exist. I have also reported this to my states attorney office as well. They can not provide a method of verification because there is no account for them to verify. They have violated the FCRA and also my rights and I will be pursuing this further. They damaging my name and reputation buy having incorrect information on my Credit. There are still 2 other complaints with you all that are open. XXXX  and XXXX  have remove the item because it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX, I logged into our Huntington National Bank checking account and discovered that four fraudulent bill pay transactions had occurred. Those transactions are as follows : 1 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} ; 2 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} ; 3 ) XX/XX/XXXX - XXXX XXXX - {$9700.00} ; 4 ) XX/XX/XXXX - XXXX XXXX - {$9800.00} -- Grand Total is {$39000.00}. I immediately logged out of my account and drove to the local Huntington Branch to report the fraud. I was clear that we did not authorize these transactions. We never in 40 years have setup or used online bill pay from any of our accounts. HNB indicated that the online bill pay was activated on XX/XX/XXXX the same day as the first fraudulent transaction. HNB Assigned case # XXXX to my complaint. I also filed a police report. I have made numerous attempts to work with Huntington Bank for the past six months regarding this matter with no success. HNB Employees simply will not communicate or return my calls. They have denied my claim stating the reason is that the device used for these transactions was an IP address which was known to them from previous transactions not made a part of the fraud claim. I have assured them that we did not authorize these transactions nor allow access to our computer for others to access these accounts. Our passwords are not saved or given to anyone. HNB can not explain why the two factor authentication codes were not triggered for these fraudulent transaction. HNB Refuses to cooperate with the police detective or us regarding this matter and simply deny responsibility and will not return our money. They have not responded to my requests to provide complete documentation of all correspondence for this case or to provide instructions for the appeal process when HNB issues an initial denial of a claim. I believe I have protections under Regulation E and that our {$39000.00} should be returned to us by Huntington National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My current mortgage company is NewRez. My loan number is XXXX. My current interest rate is 4.875 %. I had been receiving mailings and emails about refinancing the loan at a lower rate. 

I initiated the process in XX/XX/XXXX. I was assigned a mortgage consultant XXXX XXXX XXXX # XXXX. At his request I submitted hundreds if not a thousand pages of financial records. Then when it came to finalizing the refinance Mr. XXXX would not return my calls or emails. I reinitiated the process in XX/XX/XXXX and reached out to NewRez. At that time they assigned a new consultant XXXX XXXX XXXX # XXXX to my refi. I lamented with Mr. XXXX my frustrations with Mr. XXXX and he assured me this time it would go much more smoothly. And for the first 2 days he was quick to respond. Just long enough to get my credit card # and advise that he was going to hold the info on file and would call me before running an appraisal on the property. I advised that due to very lown LTR I wanted to see if there was a waiver for the appraisal requirement. Mr. XXXX advised he would check and get back me. Less than 10 minutes after hanigng up with him i receive a notice that my credit card had been charged {$600.00} for an appraisal I had not authorized. I reached out immediately to MrXXXX XXXX but he would not return my calls. When he finally did, he acknowledged his mistake but stated he would 'make up for it ' by giving me a 1 % discount on the loan costs. I was a bit skeptical about this but wanted to finally complete this refi. I continued to reach out to Mr. XXXX to no avail. I was very frustrated and looked up the management team for New Rez. I first sent an email on XX/XX/XXXX to XXXX XXXX XXXX of the Service Dept summarizing my experience and request for some sort of resolution. When he did not respond I sent similar emails on XX/XX/XXXX to XXXX XXXX XXXX ( CEO ) and XXXX XXXX ( President ) in hopes I could get some response. None came.

After this, Mr. XXXX did call me back and apologized for being out of pocket. I was hoping we would finally finalize this process. Instead he asked me for more paperwork. 
When I asked specifically what paperwork he needed, he stated the last XXXX years business and personal returns. This was paperwork I had sent over on XX/XX/XXXX!. I told him at this point that I was done. I was too frustrated to continue with him or with NewRez. I researched the company on XXXX  ( should have done this before ) and saw numerous complaints of the same problem i was having. They would initiate the loan process and then just fall of the face of the earth. I told Mr. XXXX I wanted the {$600.00} credited back to my account. On XX/XX/XXXX he emailed that it was going tot take a few days. As of today, it has still not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
I have disputed with XXXX  and Equifax an account which needs to be removed from my Credit Report. XXXX agreed to completely delete the account from my credit report. They even provided me a letter stating this information which I have sent to both XXXX  and Equifax. When I spoke with XXXX they informed me that they let Equifax and XXXX  know to delete the account but when submitting the disputes the account remains on my credit file. Please assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
I have disputed with Experian and XXXX  an account which needs to be removed from my Credit Report. XXXX agreed to completely delete the account from my credit report. They even provided me a letter stating this information which I have sent to both Experian and XXXX. When I spoke with XXXX they informed me that they let XXXX  and Experian know to delete the account but when submitting the disputes the account remains on my credit file. Please assist me with this.

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 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im disputing the XXXX police XXXX XXXX XXXX account in the amount of {$820.00} the account was closed and charged off on XX/XX/XXXX of XXXX. But reports late payments through XXXX which is incorrect and needs to be corrected to charge off status or removed. This is a definite violation of the FCRA and I have disputed multiple times. Why has this not been addressed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this 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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2021, I received a notification via my credit monitoring app, myFICO, in regards to an account owed to XXXX XXXX XXXX being collected by Debt Recovery Solutions. It appears the account was placed with them on XX/XX/2021. I have not received the initial dunning letter required by FDCPA notifying me of my rights to dispute. I have not received any phone calls regarding this debt either. These are unfair, deceptive and abusive practice as I was not given the opportunity to resolve the issue in a timely matter. I do not recall this account and have no knowledge of what is owed. As far as I can tell is that this is fraud since I have not done business with XXXX XXXX XXXX in years and everything was paid for. I do not have any account number and when I tried reaching out to this company by phone I was directed to their messaging system as no one was answering. I am asking that this trademark be removed from my credit or I will have to pursue other avenues in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CITIZENS BANK Account Number : XXXX This is not mine. 

3. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They continuously harass me via letters and phone calls. I had disputed the debt they claim I owed. They never responded within 30 days so therefore it was removed from my credit report 30 days after the 30 days so 60 days until they responded. XXXX  has removed this account from my credit report but XXXX  and XXXX  refuse knowing that they missed the deadline of 30 days to respond I had told XXXX  and XXXX  to remove it because that is the law but they refused. I have done everything in my power remove and dispute but I am being unfairly treated they are slandering my credit and my name not to mention harassing me through the mail and via phone. The claimed debt is well over 6 years old.

Company response to consumer: Closed with non-monetary relief