vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
1. On XX/XX/XXXX a Business Equity Line Note Was Obtained by me and my X wife, ( co-owners of the property and the business- XXXX XXXX XXXX XXXX ). The amount was XXXX k. Payments have been made since then jointly until XX/XX/XXXX. By that time the couple has been through an unfortunate divorce divorce.One spouse violated court orders to sign documents to modify the loan and the foreclosure was avoided at a high physical, mental and financial costs. The two however continues to own the property and to this day the joint ownership has not changed. Those documents are available by the bank, me and the attorneys 's involved.One spouse has continued to make payments to the bank even after the divorce and despite the other spouse 's completed disregards, until XXXX, XXXX. The Covid Crisis complicated the process. 

Now the bank and her agent has taken off the forbearance responsibility from the spouse who willfully disregarded the laws andand now the bank has put the entire responsibility on the law abiding spouse. The bank and her agents knowingly have manipulated the process, making false statements under oath and has been involved in a variety of tricks and tactics to cause enormous damages to that spouse. These are a few of them : 1.Has charged an astronomically high price as foreclosure expense ( XXXX K ) for a property worth XXXX k. 
2. Falsified facts about the clinic 's activities ( unused as opposed to being used ).

3. Damaged vs improvements ( being made and would have been completed by now ).

4. Illegal scamming scheme to get lump some in the amount XXXX k for legal expenses alone and XXXX lien to the bank with fake and damaging explanations and really no explanations9by the Banks attorney ) 5. The Banks attorney made utterly false statements ( please review court transcripts ) in the XXXX XXXX and using illegal tricks I was not allowed to present any evidence. 
There seems to be an organized crime with more individuals involved. 
Now I have been asked not to file any complain and being threatened and harassed Had I not been a bit watchful I could have lost all my lif 's savings. 

Right now I am working as a XXXX to help the displaced children and families at a federal facility and want to continue to serve as such as I can. 
Given an opportunity I have numerous documents to make my case. I am uploading a few documents as samples of their inconsistencies. The scam letter of the attorney of the bank Mr. XXXX XXXX where apparently he did his act without authorization will give glimpses now. I have made a report to the police department. 

XXXX. As a XXXX I am not very good with the uploading of the documents etc. I may have to send documents via mail, which I will do as soon as possible. Please guide me so that we can go to the bottom of the issues so that I get a fair settlement and others benefit from the process too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I seen a Article on XXXX  XXXX XXXX XXXX backhoe loader for {$13000.00}. So the seller told me that she have someone to handle this transaction for her. She told me that it's no need for he to be involved. Because she hired a XXXX XXXX to handle everything concerning the sell between me and the seller. She told me that XXXX XXXX are going to send a ESCROW AGREEMENT to sign. XXXX XXXX told me they only accept wire transfer only. I ask them does this {$13000.00} include the Shipping as well. I did my wire transfer on XX/XX/XXXX. XXXX XXXX told once the wire clear. They will ship the XXXX XXXX XXXX and will be there on XXXX/XXXX/XXXX. So I waiting for the XXXX XXXX  XXXX on XX/XX/XXXX I call XXXX XXXX ask them where is the XXXX XXXX  XXXX. XXXX XXXX told me that they had other heavy Equipment to be deliver they had a problem with one of the deliver. So XXXX XXXX change the deliver date on XX/XX/XXXX. So waiting again for the XXXX XXXX XXXX. I tried calling them to ask them about the XXXX XXXX XXXX no one would answer my call. So call my bank about this my bank open a Claim # XXXX to call the wire transfer bank on my behalf to attempt recovery the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX & Convergent Outsourcing has set me on a wild goose chase for a fraudulent account they have allowed someone to open in my name and now are requesting information the average person would not be able to produce so they can continue to report an account that is continuing to hurt my credit. I simply can not produce mail from over 5 years ago. I did some research and found out that although you must produce identification they don't make copies of it. Last but not least I would love to file a police report in fact I spoke to officer XXXX  of XXXXPD who advised me to request specific information so my report would not be vague and allow them to do an actual investigation which leads to an arrest and Convergent Outsourcing has failed to send me what I have requested per the request of the XXXXPD. I am not receiving any assistance just a copy of a bill and an address I have never lived on account so old it impossible for me to produce. Please see the attached documents.

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 2021-09-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

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 2021-09-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm filing this complaint against Equifax and XXXX  because they have yet to remove this unverified account for my credit reports I previously sent them four letters attached with the letters I received from first XXXX XXXX  stating after they completed their investigation they determined that I'm not responsible for the disputed account but yet the credit bureaus have yet to delete this from my credit report so now I'm making this complaint so they can remove this negative unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX & XXXX XXXX has set me on a wild goose chase for a fraudulent account they have allowed someone to open in my name and now are requesting information the average person would not be able to produce so they can continue to report an account that is continuing to hurt my credit. I simply can not produce mail from over 5 years ago. I did some research and found out that although you must produce identification they don't make copies of it. Last but not least I would love to file a police report in fact I spoke to XXXX XXXX of XXXXPD who advised me to request specific information so my report would not be vague and allow them to do an actual investigation which leads to an arrest and XXXX XXXX has failed to send me what I have requested per the request of the XXXXPD. I am not receiving any assistance just a copy of a bill and an address I have never lived on account so old it impossible for me to produce. Please see the attached documents.

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 2021-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Four Directions Lending LLC
State: ND

Complaint narrative:
I received a loan from this lender on XX/XX/2021 for XXXX at a yearly interest rate of 773.47 %. I needed the loan to pay an urgent utility bill because my bank had held a check longer than expected. I intended to pay this loan back as soon as possible to avoid paying {$1500.00} over the full life of the loan. However, I am unable to contact this company to do this. I have sent two emails to the email address on their website and on the loan contract, XXXX, on XX/XX/2021 and XX/XX/2021 and both have come back as undeliverable. I have called both numbers on their website and on the loan contract, XXXX and XXXX, during the hours listed and I can not get through to a person. I have not received statements and there is no online account available to manage the loan. I have no idea what my payoff amount is and I have no way to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
The credit reports from XXXX  pulled by Ford and several others were not by my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: LEXISNEXIS
State: CT

Complaint narrative:
I am in disagreement with the items listed below which still appear on my lexis nexis credit report. I would like these items immediately deleted. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. i have also attached screenshot evidence which highlights all the records that need to be deleted immediately. in addition i have attached my complete lexis nexis credit report which was sent to me. 

( SECTION 1 : IDENTIFICATION RECORDS ; LexID XXXX ; RECORD 1, RECORD 2, RECORD 3, RECORDS 4, RECORD 5, RECORD 6, RECORD 7, RECORDS 8, RECORD 9, RECORDS 10, RECORDS 11, RECORDS 12, RECORD 13, RECORD 14, RECORD 15, RECORD 16, RECORD 17, RECORD 18, RECORD 21, RECORD 22, RECORD 23, RECORD 24, RECORD 25, RECORD 26, RECORD 27, RECORD 28, RECORD 29, RECORD 30, RECORD 31, RECORD 34, RECORD 35, RECORD 36, RECORD 37 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit file was not corrected as a result of your research. I've already told you that my report contains accounts that are the consequence of identity theft. Please conduct a re-investigation and notify me of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am currently in the XXXX XXXX, where I do not have access to receiving SMS text messages with verification codes on my cellphone because I do not have my SIM card with me ( it was stolen along with my cellphone on XX/XX/ ) I do however still have my laptop and I have regained access to all my accounts successfully, as there are multiple ways of verifying my identity with financial institutions besides an SMS code sent to my cellphone. 
Robin Hood brokerage however, has been giving me the run aound and making it impossible for me to regain access to my account, despite the fact that I have access to the email associated with the account I have with them, I have my login credentials and I have submitted a scan of my passport and about a half dozen selfies of myself and myself holding that same passport. 
Robin Hood keeps moving the goal post every time I send them a photograph just how they described they want it. First they say they wanted a scan of my ID, then they wanted to see s selfie of me, then a selfie holding my ID, then they said that there can not be any glare at all on it ( impossible as the ID page has a security plastic coating ), then they said all of the text has to be readable ( so I had to take a selfie with my face and passport closer to the camera ), then, that more of my face has to show on the picture and then, that my fingers can not cover any portion of my passport ( which is unreasonable since they already have a clear full resolution scan of my passport and in the photographs of my holding it ; maybe not all the text is in full resolution and there may be a tiny bit of glare or the tips of my fingers may be on the edge of the ID page in order to hold it open for the selfie, but it is very obvious that it is the same passport they have a clear scan of ) A picture that shows my face from a normal distance from the camera, where all the text on my passport is clear and legible and where there is not a speck of glare and where my fingers don't cover any part of the ID page on my passport is undoable and unreasonable. 
Robin Hood keeps emailing me, saying that they will consider my issue resolved, but I still have no access to my account and can't manage my small investment in cryptocurrency that I have with them. 
This is like being robbed by this company and I need help. Please look at the photographs I have submitted to them and you will see how unreasonable and impossible to work with these people are!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-09-07 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: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Prac tices Act, 15 USC 1692g Sec. 809 ( b ), XXXX claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor

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 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Pr actices Act, 15 USC 1692g Sec. 809 ( b ), MACYSs claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), MACYSs claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor

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 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Pract ices Act, 15 USC 1692g Sec. 809 ( b ), XXXX  claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that XXXX  provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor

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 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-09-07 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: AES/PHEAA
State: PA

Complaint narrative:
Accounts were reported as late the month that they were consolidated. They were in administrative review until that time, then in XX/XX/XXXX all of them were marked 90 days late and closed to open the newly consolidated account. I have had trouble purchasing a home because of these 11 90-day late marks. 

I have disputed it many times but they say they didn't report it late and can not see my credit report even though I submitted it to them in XX/XX/XXXX. 

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XX/XX/XXXX 11. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

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