vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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: FL

Complaint narrative:
I have inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: AL

Complaint narrative:
I demand the deletion of the fraudulent account and inquiry listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelligent Mortgage and Consulting Services LLC
State: TX

Complaint narrative:
DECEPTIVE LOAN ADS On XX/XX/2021, I called Intelligent Mortgage and Consulting Services LLC, of XXXX XXXX, Louisiana to inquire regarding their 1.99 % /2.25 % APR refinance offer I received in the mail. 

A XXXX XXXX answered the phone. I explained I was interested in their offer. After a couple of questions, she then explained to me I would have to pay THOUSANDS out of my pocket to bring down the current market rate to their offered rate of 1.99 %. 

I dont understand how mortgage companies can legally get away with mailing out false VA loan offers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/SYNC BANK XXXX OPEN DATE XX/XX/2019 BALANCE {$4900.00}, CREDIT LIMIT {$4500.00} PLEASE FORGIVE MY DEBT I WAS NOT TAUGHT WHAT CREDIT DOES AND HOW IT WORKS. I WANT TO BETTER MY LIFE SO I CAN BE ALLOWED TO BORROW AND REPAY LATER IN LIFE

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Access Receivables of NC Inc.
State: PA

Complaint narrative:
I've disputed this account multiple times and I have received nothing in the mail from them whatsoever! They have continued to verify the account with the credit bureaus, but they can't send me anything? That is against the FDCPA! I hope these people understand that they are ruining lives with invalidated information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX Equifax, and XXXX all have furnished reports on my behave with out my written consent and arent helping remove these negative items that is imparing my trust in the banking system and the consumer reporting agency. These reports are identity theft because no consent was ever given. ( 15 usc 1681 ( B ), written consent never granted, ( 15 usc 1681 ) this information is not supposed to be included in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Revenue, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I disputed an alleged debt in writing to Eastern Revenue , Inc ( ERI ) a debt collection agency operating in the state of Pennsylvania. At the time I advised ERI that they had contacted me by mail through correspondence dated XX/XX/XXXX. Due to USPS delays I did not receive the letter until XX/XX/XXXX. The correspondence from ERI identified the alleged debt as XXXX XXXX XXXXXXXX and alleged that {$3000.00} was owed in addition to a collection fee of {$890.00} bringing the total due to {$3800.00}. Per the Fair Debt Collection Practice Act I disputed the debt and requested validation. I mailed the dispute via certified mail return receipt and requested that ERI treat the debt as being in dispute. In reply to my validation request I received correspondence from ERI dated XX/XX/XXXX. The correspondence identified the alleged debt as XXXX XXXX XXXX. Upon careful review of the documentation I noted an amount of {$620.00} for " CA XXXX  fee '' as being in dispute due to the items being returned. In addition, I noted that ERI failed to provide a determination of the collection fee assessed as it appeared to be percentage based. I requested an explanation of the percentage based fee and how it was calculated. In order to make sure that I was not put at any disadvantage I again requested that ERI treat the debt as being in dispute under the Fair Debt Collection Practices Act. This information was placed in a letter to ERI dated XX/XX/XXXX and mailed via certified mail return receipt. Based upon the return receipt it appears that ERI received this letter on or around XX/XX/XXXX. However, instead of treating the alleged debt as in dispute and providing the requested information in the XX/XX/XXXX letter ERI has continued to place sporadic and repeated telephone calls in the collection of this debt. The most recent contact was on XX/XX/XXXX. In addition, the alleged debt is being reporting negatively on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I started the refinance process with Citibank in XXXX of 2020. After delivering all paperwork and necessary documentation and keeping that information up to date as requests, I was denied the refinance. This happened after I asked if we could close by XX/XX/XXXX because my husband would be out of town for two months and would not be able to attend a closing until XXXX or late XXXX. The loan officer ( XXXX XXXX ) working on my account cc 'd the boss ( XXXX XXXX ) of the loan manager ( XXXX XXXX ) and a day later, it seems like Citibank found a reason to deny us they said there was a clause in our proprietary lease they found objectionable and they denied our building, which means we don't get to refinance. On top of this, when our apartment was appraised, it was full of mistakes and our appraisal ended up being {$30000.00} less than our upstairs neighbors who are white ( we're Black ) and have a smaller apartment, fewer in-apartment amenities, and fewer shares. My neighbor told me the appraiser did not even enter his apartment. When I complained to the loan manager at Citibank about the low appraisal, he waived it off and suggested there must have been some other reason for it to come in low. We were planning to renovate our bathroom so I did not order another appraisal at that time and I did not want to hold up the process, so I let it go. My upstairs neighbors were able to complete their refinance ( their lease is the same as ours ) and they are able to take advantage of historically low rates, while we have been locked out. Incidentally, the original mortgage on our apartment was with Citibank and they had absolutely no problem with the lease at that time. Why is it suddenly a problem now? Citibank wasted 7 months of my time, cost me nearly {$800.00} refinance application fee and calculable extra interest since I can't refinance now, and then denied us when I asked if they could meet a deadline. It seems unfair to me that because Citibank was unable to meet a deadline and did not want to admit this, they found a reason to deny us.

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Southwest Credit Systems keeps using different phone numbers to contact me. When calling nothing is said, not a single word, and after a few seconds to a minute the call is ended. I Called back and found out the company, SWC Group, so I'm assuming they think that I owe a debt, which is fine, but getting in contact with them is impossible. 

So far they've called from : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX They have not said a single word over the phone. I have not received any correspondence in the form of mail or email about the debt. I'm not even sure if there is a debt in collections as I feel I've been making payments on everything in a timely manner. If there is a debt, I dispute it until they can validate it. I tried talking to someone, to get the debt validated, and I have yet to have a single response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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:
On XXXX2021 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 to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand 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, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These 3 time payment accounts need to be deleted for inaccuracy because the date of last activity is different on each bureau, payment history is incorrect, I was never late and I disputed this information over 30 days ago and it still doesnt show disputed by consumer!!!!!

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 2021-06-09 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: IL

Complaint narrative:
On XXXX/XXXX/2021 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have been trying for 3 days to get 2 principal payments on a brand new loan, first payment not due until XX/XX/2021, applied to no avail. A {$5000.00} payment sent and received via email on XXXXwas misapplied and they still do not have it corrected after a minimum of XXXX phone calls and XXXX different levels of escalation. A second wire of {$470000.00} sent and received on XX/XX/2021 that they still have sitting in suspense although I have provided them the wire confirmation. They are now telling me an XXXXxecutive escalation manager has to be assigned and they will call me and then begin working on the issue. They will not tell me when it will be resolved and XXXX employee number XXXX refused to give me her manager, stating first she did not have one, then one was not available when I pressed the issue. 

I have been given nothing but a run around while they play with our money. I did inform them we are entitled to inters from that money until it is applies correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I was hospitalized for about 30 days pretty much within the XXXX during this time my account in American Express card was compromised I have sense upon being released from the hospital contact American Express Serve filed a report with in and filled out all the paperwork they requested as well as submitted additional paperwork like my medical records showing While the charges were made I was in the hospital they don't generally have shopping available there. I also file with them my identity theft report with the report number pray for them to look and see that I've also filed a case I with told my claim is denied on the 10th day as I assumed they would because that way they don't have to pay out a provisional credit and then I asked them to reopen it that they did not reopen it and I got a hold of the corporate Executive offices they have this points said they would look into it but they were American Express and American Express Serve its kind of different but day to talk to the manager give me that was odd because that's the office of the vice president of the company don't know how he wouldn't have some sort of influence her stay and them really investigating into this and just looking to see medical records show I was unavailable to make these purchases a I'm aware of who dead and I have tried to file a police report I was told that it was a family court matter because the person living in the house and being under 18 these matters are settled in Family Court not generally a criminal court where it's different I was told I don't know I talked to a lawyer I talked to a couple police officer and then I talked to the city prosecutor and they told me that's the way I would have to address it. he also took my phone which brings me to their first reason why they're claiming they're denying the claim my cell phone has nXXXX as well as XXXX XXXX I store all my logon information I store all my PIN numbers I store all of my debit card numbers in that in there to use them for automatic payment and just in case I need a digital copy somewhere and he was able to get into my phone because when the XXXX smart watches by the XXXX phone if the features already turned on it unlocks the phone give him full access but that's not my fault I press charges tried to and I'm doing it to family court I have filed a identity theft report I have in an orderly And Timely fashion provided all records requested and additional ones to support my claim that show that this was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
Reference # XXXX Creditor XXXX XXXX XXXX XXXX ( Allied International Credit Corp ) Called many times to remove.

Letter is dated XX/XX/2021 No answer and no call backs!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
These XXXX time payment accounts need to be deleted for inaccuracy because the date of last activity is different on each bureau, payment history is incorrect, I was never late and I disputed this information over 30 days ago and it still doesnt show disputed by consumer!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
AUTO LOAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} ___ CREDIT CARD XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00}

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 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I would like to make a complaint against Shellpoint New Rez. They were the holders of my home mortgage ( resold to them since the mortg was initiated with XXXX back in XXXX ). I started a refi process to get a lower rate and move the mortgage from Shellpoint to XXXX XXXX. Since the apartment was a Co-op, it requires a Stock and Lease to close the refi. Shellpoint, as the lender, must possess that Stock and Lease and provide it to the new lender to complete the refi. XXXX XXXX XXXX the new lender ) requested the S & L from Shellpoint in XX/XX/XXXX. XXXXellpoint took 2-3 months to get back to us ( despite numerous emails and calls ), only to tell us they could not locate the S & L.

A new copy of the S & L therefore needed to be obtained from the Co-op attorney ( after Shellpoint produced an affidavit stating that they had lost it, which itself took months to obtain from them ). The Co-op lawyer charged {$250.00} to produce the Stock and Lease. Shellpoint refused to pay that fee ( which blocked the refi from closing ) despite the fact that the Stock and Lease was supposed to be in their possession, that they had lost it, and that their losing it required it to be reissued! Shellpoint stated that they would not pay the fee, but would reimburse me at closing for that fee. So, to unblock the refi, I ( the owner ) paid the Co-op attorney the {$250.00}. The refi is now closed XXXX XX/XX/XXXX XXXX, BUT the fee was never repaid to me by Shellpoint New Rez. Shellpoint has again not done what they said they would do. They still owe me the {$250.00} for the production of the Stock and Lease ( I won't even get into the hundreds of dollars their delays cost me in a refi that took 7+ months to complete due to their obstructionist behavior ). I have also filed a complaint during the refi process with the NY XXXX XXXX  ( case number : XXXX ) but the XXXX has been unable to get Shellpoint to repay the fee for the Stock and Lease ( the complaint with the XXXX and repeated escalations was the ONLY thing allowed the refi to proceed ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, I filed a complaint about this on XX/XX/2020 COMPLAINT ID XXXX This issue has not been resolved. On XX/XX/XXXX I purchased a fridge from Lowes. I opened a credit card on that same day and paid {$700.00} dollars on the credit card at the Lowes store in XXXX, New York. I was paying down the fright monthly until I decided to cancel the purchase of the fridge. The total amount I paid towards the fridge was {$1500.00}. I put in a request to have the money that I paid down returned to me but Lowes only sent me a check of {$770.00}. That is not the full amount of what I am owed. I have called Lowes customer service repeatedly and have not gotten a response. I also called Synchrony Banks customer service. I went into the store and spoke with to the Operations Manager for Lowes in XXXX, New York. Her name is XXXX XXXX. XXXX promised me that the situation would be resolved in week. I attached the chain of emails showing we were in contact and she stopped responding to me. I was then put in contact with Miss XXXX. He said she would get back to me and has not updated me about the issues to this date. The last time we spoke was on XXXX/XXXX/2020. I have called several times and have received no response.

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