vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have made many attempts to resolve an issue with my credit reports from Equifax, XXXX, and XXXX. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by Covid-19. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp
State: RI

Complaint narrative:
On XX/XX/2020 I logged into my Lending Club account and was greeted with a notice that Lending Club has changed their Bank Link Services Agreement. The notice wanted me to click " Accept. '' The change in policy now allows Lending Club to use MY bank account to " determine [ my ] eligibility for personalized offers. '' Since I don't want a giant, publicly-traded company to use my bank account information for marketing or other nefarious activities, I don't agree with the agreement changes. 

On XX/XX/XXXX, I called Lending Club 's customer service line and requested that my bank account be removed from the Lending Club account because I don't agree with the new agreement. I was told that I am REQUIRED to have a bank account linked to my Lending Club account. The only available option would be to remove autopay, but the bank account would still be linked. 

I would like my bank account to be unlinked from Lending Club. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My husband XXXX XXXX XXXX XXXX and as a result of being extremely distracted i inadvertently missed a miniscule {$6.00} payment on my Kohl 's card. When I discovered this error I immediately reached out to Kohl 's and explained the situation. Kohl 's removed the small interest charge which was not requested but still reported this account to the 3 credit bureaus as 30 days late even though I have a verifiable hardship. I need this removed from my credit report because it simply makes our difficult times even worse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have sent money {$180.00} at XX/XX/2020 through the application XXXX XXXX XXXXXXXX Transaction number : XXXX Money was withdrawn from the account of Capital One Bank. The recipient turned out to be a fraud, took my money and disappeared and now I can not get my money back. The bank opened the case and declined it, as the money was sent through the application XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an unauthorized account on my credit report. XXXX XXXX  XXXX  XXXX This account was never requested and I am not aware of these account can you investigate. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, 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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
Currently owe {$360.00} from XXXX the XXXX payment of {$1000.00} was due on XX/XX/XXXX we have applied for the cares act through XXXX XXXX XXXX   they have XXXX XXXX dollars to help people we have filled out all the applications and we are waiting. they said they will pay the mortgage company but it's the federal government and it takes time the mortgage company calls me three to five times a day and emails me every day I stopped answering the phone I told them if anything changes I will call them her name is XXXX XXXX from what I've read this is harassment and I sure would like it to stop she knows if I get money I will tell her the cares act pays directly to the mortgage company not to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had an account with XXXX ( Acct. XXXX ). In 2018 I had an accident and was out of work. I contacted XXXX and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. 
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of 2018 and running through XXXX of that year. 
I contacted XXXX and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of XXXX ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps XXXX correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own.

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 2020-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing a request that you stop reporting certain things that are on my credit report. There are many debts from companies and I dont know who they are. For some, I did see creditors that I recognize but theres no way that I could have incurred that much debt with those companies.

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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
started processing my mortgage refinance on XX/XX/XXXX with citizens One Mortgage because they were holding my first mortgage. My credit score is XXXX and I only have one credit visa line of {$8000.00} with a XXXX balance having said that, all the requested documentation was sent to them within a month because I am a XXXX XXXX  from XXXX XXXX  serving 33 yrs and with XXXX XXXX XXXX. Well after all the documentation was provided XXXX, XXXX, XXXX, and XXXX still know closing but always excuses but in XXXX they said your loan will be closing soon. Soon was far away so I called after know communication from them returning my call. So, then My rate was locked in and it was about to reach the end date so I had to call them and ask if I would be getting a lower rate because my lock in rate of 3.875 was coming to an end and the loan had not closed because of them but I had to remind them, then they sent me a revised lock in rate at the same 3.875. Moving forward, I tried to get into my account that I presently have with them but to know avail could I go on line to access my account then when I called and I have called many many numbers they all said that I did not have a account with the account number given. However the account numerber is on my mortgage statement that I gave them. But every month they are taking out {$1500.00} via EDT automatic debit from my account. They would not return any of my calls. I have emails proving how many times out of frustration that I tried to have my call returned asking way my loan was not processed and why I could not get into my account. To that end I withdrew my Application on XX/XX/XXXX and still to this day I can not believe they still say my mortgage number is not valid with their company. 
Plus when I asked them to withdraw my application for refinance still they had not even thought of a closing date but my mortgage pmt is always debited on the first of the month. 
and

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MCM # : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Original Account # : XXXX XXXX : The XXXX XXXX Consumer I filed for bankruptcy on XX/XX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX  showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
On XX/XX/20 I sent correspondence to Resurgent Capital Services stating that I was a victim of identity theft ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ). 
The letter was sent Certified Mail Return Receipt, and was in Resurgent Capital Services possession as of XX/XX/20 ( XXXX Receipt_Resurgent Capital Services_item mailed XXXX ). 
The letter explained to Resurgent Capital Services, that I am a victim of identity theft. In addition, the letter informed Resurgent Capital Services responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Resurgent Capital Services was asked to provide me with the records I requested ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ). 
XXXX, Resurgent Capital Services was in receipt of this request on XXXX/XXXX/20. The 30-day deadline for me receiving the required documents has passed as of XXXX/XXXX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( XXXX ). Each guidance document states that businesses must provide records directly to victims upon request. 
It appears that Resurgent Capital Services failure to provide the requested documentation does not comply with the requirements of the FCRA. Therefore, please provide me with copies of the application for the account and the transaction records concerning this fraudulent debt. Relevant documents should include, but are not limited to, the following types of records : Application records or screen prints of Internet/phone applications Billing statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Signatures on applications and accounts Any other documents or records associated with the account Again, since I have not received these records, I believe your company is in willful violation of FCRA Section 609 ( e ) 15 U.S.C. 1681g ( e ). 
If you believe you are not required to provide any part of the documentation requested in this letter, please provide me with a written explanation of your position within 14 days of the date of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AL

Complaint narrative:
XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX  policies paid from escrow and remianing escrow money returned to me ( remember this! it will come in later ) XX/XX/XXXX2020 PRMI letter stating escrow has been removed from my loan XX/XX/XXXX2020 PRMI letter stating loan no longer escrowing for homeowners insurance. ( remember this! it will come in later ) XX/XX/20-I sent and XXXX sent proof of flood insurance of paid in full. 
XX/XX/20-I sent in letter to waive escrow and your form to remove flood from escrow ( after Id gotten notice you were going to escrow it ) .I should not have had to do this since escrow account had been removed from loan and flood insurance had been paid in full by me. 
I contacted PRMI customer service several times asking why abd they said IT HAD TO BE ESCROWED. When asked why, I was told that federal requirements mandate it. My loan in conventional. It follows XXXX XXXX rules. NOWHERE in XXXX XXXX rules does it say it has to be escrowed. It says it has to be COLLECTED if in flood zone. I can quote you the rule if you like. 
Now we come to PRMI Flood Insurance Coverage Subject to Change Disclosure form. Second paragraph, last sentence says : '' IF flood insurance is required AND you escrow your taxes and insurance. the lender must include flood insurance in the escrow account. ". 
Since I havent had an escrow account since XX/XX/XXXX or XXXX whichever date you pick, then I am not required to escrow. If an escrow account was recreated for my flood and added to my loan it was an error and you need to fix it and delete it. 
I have been trying to resolve this since XX/XX/XXXX20 within PRMI and they have refused to remove the escrow account. There is no reason why. This could have been simple, easy, painless, good customer service, good experience, but no. And I have never been late with a payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have been trying to resolve a dispute against my credit card company since XXXX XXXX, 2020. 

My boyfriend used my card to book travel, I am unable to modify change or cancel reservations without him cancelling air fares. '' This is in arbritration. Since XX/XX/2020 the airlines according to Department of Transportation is to refund all charges but has not. 

I asked the credit card company to put in dispute again as this law took affect in XXXX, 2020 not XXXX 2020 when first disupted. Every time I call they hang up on me. They also say there is no such thing a dispute department. 

I have also requested this company send me the full account number to this account. 

They absolutely refuse to give me the full account number. The account is now closed. 

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 2020-10-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX 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 2020-10-01 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: AmeriCollect
State: FL

Complaint narrative:
I contacted Americollect over a week ago about a debt that popped up on my credit. I was told it was medical bills for my daughter. I explained to them that I was not aware of the debt and was not given the proper letter of notification to offer a dispute. I explained to the rep that I am not the responsible party for this debt it is her mother per the court order. The rep advised she will get this closed out on her end and have the credit updated accordingly. 

I called back in today and spoke with a rep who gave me totally contradicting information. I requested a member of the management team. A supervisor by the name of XXXX took the call. XXXX was not engaged in the conversation and was not trying to understand my concern. She was more focused on my attorney than my concern that I called in to discuss. I asked to speak to her manager she placed me on hold and then hung up. 

The negligence and reckless reporting by this company has negatively impacted my credit. If they do not fix this voluntarily I will not hesitate with legal action against Americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I currently have a credit freeze on my account as well as my wifes. I have attempted to log into my account for four months and continually receive an error that says they are temporarily unable to complete my request. I have called and used the phone service and it also says it is unable to verify both mine and my wifes dentity. When I was finally able to get someone on the phone, they reset the password on my account and I still get the same error. They claimed that no one else has complained about this error and they cant do anything and he wouldnt look further into my account and told me I would need to fax or mail a request to get the security feeeze removed. I do not have a fax machine nor do I have access to one and I am not willing to put all of my personal information into the mail for it to be stolen or mis delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
I am receiving pandemic unemployment from Pennsylvania on a US Bank ReliaCard. As of the end of XX/XX/2020 my money was frozen for investigation of possible fraud. On XX/XX/XXXX I faxed to US Bank copies of my drivers license to proof my identification. I have spoken to 6 customer service people and 3 supervisors since this hold has Ben placed plus I uploaded my identification to their site as instructed and am constantly being told that it hasnt been released by fraud department yet. I have overdrafted my personal checking account to have money to live on and have no more access to getting money to pay my rent, utilities and medical copays for doctors and prescriptions. I incurred {$75.00} in fees for overdrafted money not due to anything I did wrong. I need my money that includes a transfer in limbo of {$1500.00} with the amount in my US Bank card equals over {$9600.00} that I can not access. 
I sent an email to the CEO of US Bank over 4 days ago without getting any response. 
PLEASE HELP ME!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander is reporting an auto loan on my credit reports with XXXX, XXXX, XXXX  that is erroneous. 

I have disputed the account with XXXX, XXXX, and XXXX  and no on ehas provided validation for the Santander account. 

I demand that this account be removed from the credit reports with XXXX, XXXX, and XXXX. 

SANTANDER Account number : XXXX

Company response to consumer: Closed with non-monetary relief