vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 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: MS

Complaint narrative:
I have submitted a dispute with equifax on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both equifax and XXXX and associates have clearly violated the fair credit reporting act. Equifax by not performing a real investigation into this account and XXXX and associates by reporting false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a letter at my home address in XX/XX/XXXX from a collection agency XXXX XXXX XXXX that had my last name and a different first name. The letter referenced a Best Buy debt that was not mine. I contacted Best Buy to ask about the debt. They said that the debt was not mine but they would not provide any details about the person whose name was on their account. They told me to call Citibank who handled their credit accounts. 
I contacted Citibank. They had no record of the debt and they had no record of an account in my name. 
Since XX/XX/XXXX I have been receiving collection letters on this debt. Neither Best Buy, Citibank or XXXX XXXX XXXX will provide any information about the debt even though they all say that the debt is not mine. I have sent letters, faxes and had multiple phone conversations, none of which has resolved the problem. 
The problems : 1. I am receiving collection letters to my address with a name that has my last name and a different first name. 
2. This is not my debt. 
3. No one from Best Buy or Citibank will provide information nor will they turn it over to their fraud department for investigation because they say that the debt was sold to XXXX XXXX XXXX. 
4. XXXX XXXX XXXX says that they either can't provide information about the debt because a ) it's not me on the account or b ) because they bought the debt and have no details about what it is that was on the Best Buy purchase. They can't even give me the date of the purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 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: BOK FINANCIAL CORP
State: NC

Complaint narrative:
From XXXX until XX/XX/XXXX I was in forbearance for my mortgage due to COVID. In XXXX I contacted Bank of Oklahoma to exit my mortgage and begin making my normal monthly payments as well as to work out a repayment plan. We came to an agreement and around XX/XX/XXXX I received the letter outlining my repayment plan amounts/terms. A couple days after I scheduled my payment to be made and it was received and credited to my account on XXXX. On XXXX, I received multiple notifications from all three credit bureaus that my mortgage was being reported delinquent and being sent to collections. Around XXXX on XXXX I called and after talking with the representative she sent an email to the credit reporting department. She said she would contact me when she heard back from them. Considering this mistake dropped my credit scores with all three credit bureaus by 67 points and it was a significant drop and could affect my finances i.e. credit cards and I'm in the process of buying a house I need this fixed ASAP. Due to the urgent nature of this, I contacted Bank of Oklahoma again towards the end of the day on XXXX to get a status update. I was told we need to give them 24 hours, which is one work day and almost at that already anyways. When I asked for a supervisor I was denied. I re-confirmed and was told I could NOT speak to a supervisor. I need this false delinquency to be corrected on my credit report on XX/XX/XXXX so it has no affect on my finances, rates, and home purchase. I'm not delinquent. I've followed all the agreements and terms that have been jointly agreed on and have not been told any of these would lead to a delinquency being reported on my credit reports. I have 20 years of credit history with not a single delinquency on them until now and this isn't even correct. It needs to be fixed ASAP XX/XX/XXXX to reduce financial affects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: TX

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC
State: FL

Complaint narrative:
In XXXX, my Broker applied a mortgage with SPROUT MORTGAGE. 
After two months of 0 update on my application, three weeks ago, my broker received an email from XXXX ( LOAN officer ) saying that we have been approved, the same day my title company receive an email from XXXX telling him that it was a LOAN CLOSER from SPROUT MORTGAGE In the Email from XXXX XXXX asked to make an appointment for the closing on XX/XX/XXXX, so we did! But it was the last email received from SPROUT MORTGAGE, the Title Company never received anything else From SPROUT MORTGAGE. everybody just vanished!!! 
My Broker, my realtor XXXX XXXX and I have sent many emails, and we try to Contact SPROUT MORTGAGE Without any response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I tried reaching the mortgage company on XX/XX/XXXX but only an automated system was answering. I was calling to talk to someone because my 15-year loan was due to Mature XX/XX/XXXX. Later, I received a letter dated XX/XX/XXXX, stating they put me on a Covid-19 Forbearance through the beginning of XXXX. I had been requesting a Loan Modification Packett for a long time but they never sent me one until XX/XX/XXXX. I filled it out over the phone with a company agent per what he was advising, except for the financials I scribbled in quickly and faxed it the same day. 
Next, it came back Denied with an option to Appeal by XX/XX/XXXX. I submitted the Appeal on XX/XX/XXXX and XXXX, XXXX, which is Still Being Reviewed ; as of a letter dated XX/XX/XXXX, received last Thursday, XX/XX/XXXX ; yet, they seem to be proceeding towards Foreclosure. XX/XX/XXXX, was the last payment they allowed me to make ; afterward, they Blocked my online account and Refused All Payments because the loan had matured. They Forced me into Delinquency then sent me a Letter of Default with the Intent to Foreclose on XX/XX/XXXX. Most importantly, I am a Very XXXX XXXX XXXX XXXX, having great difficulty standing and walking. I have been having Numerous Medical Problems which caused me to have daily in home XXXX from XX/XX/XXXX through XX/XX/XXXX, along with 10 days in the hospital, many XXXX on my XXXX and XXXX XXXX. In addition, I have Severe XXXX XXXX, I have had a XXXX XXXX, 2 XXXX, XXXX XXXX XXXX for a XXXX XXXX XXXX which requires lifelong blood thinners is very problematic and requires much care, All of these Medical Problems leave me at a higher risk of Covid-19. I am a widow without children ; this is my Only Home and I have lived here for 22 years. I am terrorfied of losing my home, it is all I have. The Loan Balance is approximately {$27000.00}, however, the Propert Value is around {$120000.00}. I have paid off the 1st mortgage ; which seems to be the motive why they have done all of the above. I could have Refinanced but the Forbearance, the Delinquint Payments even though they Refused the Payments is preventing me from getting another Mortgage Loan.

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 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
After several phone calls too XXXX XXXX located on the XXXX islands and several affidavits and declarations to the company absolutely completely refuses to investigate the fraudulent transactions!! Please see Attachment ... ..Thank You XXXX Once the bank is alerted to the fraudulent charges and all required documentation is received, they must respond to the dispute within 30 days. The bank will have a maximum of 90 days to investigate and resolve the error. Depending upon the nature and scope of the fraud, the bank may decide to notify law enforcement. The XXXX XXXX did nothing! 

Statement from XXXX : Hi, XXXX XXXX, Recently you inquired about your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$1000.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX. XXXX  XXXX XXXX, GA XXXX Thanks, The Bluebird Team Email from XXXX : Hi, XXXX XXXX, Thank you for your recent inquiry regarding unauthorized transaction ( s ) on your Bluebird Account. 

We appreciate your patience while we complete the research needed to investigate your claim. We have enclosed the Declaration of Fraud form in order for you to provide us relevant details. Please complete it and upload the form through the following link within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. 

Declaration of Fraud Form Secure Document Upload : You can securely send your documents using your desktop or supported mobile device* by : Clicking here Logging in with your account credentials and Uploading your documents If a response is not received or it is incomplete, we may be unable to verify your claim. 

As a reminder, it is required we receive your Declaration of Fraud within ten ( 10 ) business days from the date you contacted us over the phone regarding this claim. If we do not receive this document within this time, you may not be eligible for a provisional credit. 

We may take up to 45 days to complete our investigation.

If you need additional options for submitting your documents or have any questions, please call Account Protection Services at XXXX. 

Thanks, The Bluebird Team THIS A VERY BAD COMPANY! Please help in this matter BY THE FRAUD BY XXXX! 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a text on my phone this morning that my bank WF -- -- -informed me of unauthorized charges from XXXX XXXX on XX/XX/20. There were two charges on {$100.00} and the other $ XXXX {$200.00}. Only time I used this card was at XXXX in XX/XX/XXXX, CA @ XXXX XXXX payment of my XX/XX/XXXX credit card {$53.00} and purchases of {$7.00} which sadly I had to use my PIN # because it was DEBIT VISA card. 

The WF rep., also those me the VILLIANS tried 3-4 times at SuperShow several times which got declined. With " their '' persistence, they were successful on their LAST tried and double their amount. 

I got a case number from my bank # XXXX for verification that I reported to them.

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 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio recovery debt collectors have called me regarding this debt multiple times. 

They seem to be trying to trick or bait me into saying that I owe this debt, which I do not feel that I do. 

They have repeated information that is wrong. Incorrect dates of birth, addresses, etc. 

I have asked them to send documentation that I owe this debt to my address, which they have not done. 

I have told them that I wish to only communicate with them via certified letter, which they have not sent me. 

They called me on a work phone number XXXX repeatedly until I told them to cease contacting me by that number. I told them to send me information via mail, and gave them my correct, current address. 


Instead they just found another phone number I use and contacted me by that phone number instead against my wishes. 

If this was a legitimate debt and this was a legitimate debt collector using appropriate collection tactics they would contact me by mail as I have requested, and provide documentation showing that I owe this debt. They have done neither. 

I consider this harassment at this point. 

The most recent phone number and time they called me by was XXXX at XXXX on XX/XX/2020. 

They have called me many other times from various different phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Purchased a lot with 2 houses on it in XX/XX/XXXX. The house that was built in XXXX had water running underneath it compromising the floor joist and creating XXXX XXXX. I tore it down on the XXXX of XXXX. The Mortgage company went into my escrow account and took XXXX for a home owners policy for a home that no longer exists. I have tried several times to get my money back they are refusing to comply. I have copies of front and back of the 2 checks I wrote on the 3rd for track how and dumpsters, I have documents from the county showing the reduction of tax. XXXX XXXX  shows one house. The other house is insured thru XXXX XXXX. They are really difficult, do not trust me in any way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC
State: CA

Complaint narrative:
This company Insight Management Partner agent XXXX XXXX, contacted a family member of mine by leaving a voicemail which I have a copy of, stating my first, and last name without confirming if they even knew me. Asking that I provide a statement, as well as letting them know that I am in alleged debt. 
They are in violation of FDCPA. 
The collector can identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer. But he can not state that the consumer hes trying to locate owes any debt, and he generally cant communicate with such person more than once. Legally, debt collectors are not allowed to share why theyre calling ( in an attempt to collect a debt ) unless they are speaking to the actual account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NV

Complaint narrative:
These are bills and accounts are NOT mine. I am not a credit repair company, nor am I a mortgage company. Please remove this data from my reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX JP MORGAN CHASE XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NV

Complaint narrative:
These are bills and accounts are NOT mine. I am not a credit repair company, nor am I a mortgage company. Please remove this data from my reports. Thank you.

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 2020-11-09 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: NV

Complaint narrative:
These are bills and accounts are NOT mine. I am not a credit repair company, nor am I a mortgage company. Please remove this data from my reports. Thank you.

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 2020-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
We faxed them a dispute on XX/XX/2020 and they keep saying they dont have it and wont help in anyway according to the law it should be deleted

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