vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: OR

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX - XX/XX/21 2. XXXX - XX/XX/21 3. XXXX XXXX - XX/XX/21 4. XXXX - XX/XX/21 5. XXXX  XXXX XXXX - XX/XX/21 6.XXXX  XXXX XXXX XXXX XXXX XX/XX/21 7. XXXX XXXX - XX/XX/21 8. XXXX  XXXX XXXX - XX/XX/21 9. XXXX XXXX XX/XX/21

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 2021-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: ND

Complaint narrative:
Mortgage was remodified through Hardship claim with originator of loan, XXXX XXXX and finalized in XXXX. Loan was moved to XXXX XXXX XXXX by XX/XX/XXXX and then moved again to XXXX  XXXX XXXX in XX/XX/XXXX. Escalating payments noted in XXXX due to finalizing transition period from company to company. Contacted Fay in XXXX inquiring about a $ XXXXmonth increase per the customer service representative there was no monies in the escrow account when Fay accepted this account from XXXX XXXX so the current financial amount owed was due to lacking the escrow for property taxes and upcoming insurance. Owner of property reviewed all records and sent a registered letter that included documentation to XXXX   XXXX  outlining the transfer amount of escrow from each lender and the overpayment amount to the current mortgage account now held by XXXX  XXXX. This was sent on XX/XX/XXXX. Owner of property requested a audit of the mortgage account due to the concern of misplaced monies of greater than {$1600.00} from escrow and an overpayment to the mortgage account of greater than {$270.00} however a mortgage deficient continues to be reflected through statements. A request for the investigation conclusion of 10 business days was given and it is now greater than 20 days and no contact by Fay except a new mortgage statement of another owed {$600.00}. Original principle of loan and interest combined is less than {$200.00} on a fixed 30 year rate. Currently the mortgage has $ 400+ going towards " escrow '' monthly and this amount continues to grow without cause. Owner retains copies of the letter and documents sent to Fay for her records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I XXXX XXXX filled out a credit application with XXXX for an Apple card on XX/XX/2021. I know credit is my right pursuant to 15 usc 1601. So I was confused when I received an adverse action knowing that only applies to insurance and employment pursuant to 15 usc 1681b. Since I have been denied my right and have received an adverse action that is violation of 15 usc 1681n civil liability for willful noncompliance. It also is a violation of 18 usc 241 conspiracy against rights and 18 usc 242 deprivation of rights under color of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: AZ

Complaint narrative:
I received an Alert on my Credit Monitoring Service on XX/XX/XXXX that my account was sent to collection for XXXX dollars from a XXXX XXXX and Credit Systems International Incorporation . In Texas Where I have never had a Residence. I contacted them as soon as the alert came through and spoke with a lady there who said if i believe this is fraudulent to file a dispute with my credit score provider otherwise there was nothing she could do. After Filing with XXXX  they said the lender confirmed it was my account, Which as I've stated I've lived and have only lived as an adult in Arizona.Then XXXX  said i could file a dispute with the FTC. So Here I am. I also have never received any Mail from this " collection agency or Energy company ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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:
i am completely appalled and disgusted that you guys cant seem to get right. i sent letters over 45 days ago ( XX/XX/2021 ) regarding the fact the you guys are reporting inaccurate information on my consumer report. it is up to you guys to uphold the law that was set to make sure my rights were protected as a consumer and you cant even respond to my LETTERS stating that you have received them or even update my credit report showing that a dispute has been open and its been 45 DAYS!!! what kind of company cant follow the rules stating a company must reply with their investigation results in 30 days. i want you guys to immediately remove all inaccurate derogatory accounts there were listed in my letters since you guys cant follows the rules properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: ECMC GROUP, INC.
State: MN

Complaint narrative:
There are several paid collections from ECMC and XXXX. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the XXXX XXXX but it is still showing on there too.

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 2021-06-30 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: CITIBANK, N.A.
State: MN

Complaint narrative:
There are several paid collections from XXXX and XXXX. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the Home Depot but it is still showing on there too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC BANK sent my wife and I mortgage statement dated XX/XX/XXXX, which states we owe them an additional {$100.00} for past fees in XXXX, ten years ago. I spoke with two representatives at PNC BANK on XX/XX/XXXX. Their names were XXXX and XXXX in the XXXX, Florida office. They said that the fees were associated with five faxes at {$20.00} a piece in XXXX. I asked them for information on these faxes : Names, dates, times which PNC representative sent them and to whom these faxes were sent. They did not have information on these charges but will get back with me in 48 hours. XXXX stated they instituted a new PNC system to recoup these fees and threaten me about back loading my loan with this fee and late charges if we do not pay this! 

We have never missed a mortgage payment with this company or any other previous obligations. We feel PNC is trying to extort money from us or foreclose on this residence. 
This is causing great consternation with an institution threatening our well being especially in todays climate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
Discrimination of honoring my Promotion and refusal of a Management complaint! 
All is recorded! 
On XX/XX/XXXX I called 3 times to speak with 3 different customer service representatives that were available and ready to assist me with my Balance Transfers in regards to the statement I received. With the XXXXrd representative she took all of my information over 17 minute call and stated allow up to two weeks for the banks to receive the checks, that was it!!!! Whats disgusting and disturbing after to speaking with 3 customer service representatives about my offer 0 % interest rate with a 3 % balance transfer one time fee, ready to process stating its still available with no problems on XX/XX/XXXX XXXX XXXX Employee ID # XXXX calls me. I have two voicemails and we both have recorded conversations between her and I on today! Its unprofessional for her to call me to inform that XXXX XXXX her manager states, he will not accommodating my Balance Transfer after the representatives stated, it was available on XX/XX/XXXX the only problems that could occur is if I gave them the wrong credit card number & address information ( thats it thats all ). Nothing in the recordings from the representatives state the promotion has ended or will be a issue if it has ended!!! This is the second time UMB has stated something is offered to me and I was lied to. Its unprofessional and deceiving that Ms. XXXX and XXXX XXXX did not honor the transfer I am exhausted and disturbed by this whole unprofessional/unorganized staff! I dont work for UMB and should not spend hours of my day going back and forth with a deceitful management team that lacks leadership, empathy, training and honesty! I asked several times on the recorded calls for higher management where I can have a conversation with this matter and was deceived that one would call me and didnt! I have on recording where MsXXXX XXXX states I can waive the 3 % balance transfer fee with a high APR rate, but not give you the 3 % balance transfer fee 0 % interest rate to XX/XX/XXXX, but earlier in the conversation you cant offer me anything again the lies/deceit! Dont insult me with ignorance I am requesting my promotion again the full promotion. Nothing less or they close my card without any negativity coming against my credit ( I know that a customer can be penalized for just closing their own credit card ; therefore UMB staff can close with ANY negativity reflecting a impact to my credit card they can close it )! I will never ever refer anyone to using or applying for this card because these people discriminate and take no accountability with their lack of customer service or promotions!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CO

Complaint narrative:
I have called CitiBank VISA 6 times and have been hung up on every single time. They won't let me close the account.

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 2021-06-30 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: NC

Complaint narrative:
I sent a letter of dispute on XX/XX/21 and I have yet to receive an investigation, response, or any type of communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems , Inc mailed a collection notice to my home address and I received it approximately XX/XX/XXXX. I emailed them that same date to dispute the debt. They didn't respond. I followed up with emails on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested verification of the debt and I sent them a copy of a court judgment I had showing that my landlord actually owes me money. My bond agreement regards landlord : XXXX XXXX. The landlord on my lease is XXXX XXXX. I have a judgment against XXXX XXXX. The debt is therefore not valid. 

At first it seemed like they were claiming they didn't have my address, which is false, since I received their original notification in the mail. I also spoke with them on the phone on XX/XX/XXXX and told them they had my address correct. I have also called and requested verification on the following dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their workers get mad at me when I ask questions. One of them hung up on me when I asked what she meant by validation of the debt. They often put me on hold and then never answer my call, so I resorted to leaving voice mails. I snail mailed them my request for verification and included the address where they should send it. I even followed up by sending them a self addressed stamped envelope. I'm starting to think this may be a scam. I'm not really sure why they would list an email address on their website and then not ever check it. That seems shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2021-07-01 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: GA

Complaint narrative:
ON XX/XX/2021 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter of dispute on XX/XX/21 and I have yet to receive an investigation, response, or any type of communication back.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I reported to FTC that this account is Fradulent as well to XXXX. I have reported this since 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 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I tried to apply for a bank account and was denied because of something called the early warning system I read that it was fraud going on with accounts as far as checks and owening banks I saw that I owe like XXXX dollars I have never wrote nor misused any accounts I was a victim of identity theft I have know knowledge of this report. I would like to have this resolved so I am able to open a bank account. The date of supposed incident or closure date is XX/XX/2017. I'm not admitting fault but if I have to pay it back that's what I'll do.

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have received in the mail an unsolicited debit card from Money Lion. It purports to be a mastercard debit card. I most certainly did not ask for this card and I have no business with this company now or ever. I have tried to contact Money Lion but the only way to contact them is to activate their dreaded card or provide them with personal information like SSN that I have no intention of giving someone who sent me a card like this. I suspect that this is related to some kind of fraudlent activity and I wish to find out how it happened without giving them my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response. I have 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge 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 data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
On XX/XX/2021, Diversified Adjustment Service Inc sent me a letter by mail stating they were attempting to collect a debt and that I had 30 days to respond. On XX/XX/2021, I responded to Diversified Adjustment Service Inc via a letter asking to see the information that they said I owe. I never received the information I asked for regarding this debt that they say I owe. Then on XX/XX/2021, I got an alert from the credit bureau showing that Diversified Adjustment Service Inc put a collection on my account in the amount of {$600.00} for XXXX. I do not have a XXXX account and have never had one. Diversified Adjustment Service Inc reported this unknown, now known, debt to the credit bureaus before the 30 days that they said I had to verify the debt. Their unfair action resulted in my good credit score being lowered. I immediately called XXXX and told a manager what happened and it turned out the debt was not mine but my brothers who happened to have the same last name as mine. My brother paid this debt with XXXX some time ago and I want this inaccurate collection removed from my credit report. I feel that this collection agency is not fair nor right in how they handled this situation and they do not seem to have respect for their own business policies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation