vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
For 2 days I wasn't able to make a payment on my Barclays via web or phone on both XX/XX/XXXX and XX/XX/XXXX. I couldn't get through to speak to someone, the website wasn't accepting payments and the automatic phone payments weren't working.

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 2021-08-19 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Paid off Wayfair acct XX/XX/XXXX. I was then charged interest on a {$0.00} balance. No notification this was done so I was not aware. They then charged a late fee and additional interest and marked account as late on credit report, dropping my score over 20 points. I went ahead and paid int and late fee and disputed it with XXXX  and XXXX. It was corrected by XXXX  but not XXXX. When I went to pull up dispute resolution from XXXX  nothing shows. I am now again being charged interest on a {$0.00} balance by Wayfair. They closed everyone 's account in XX/XX/XXXX.and I continued to make timey payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I paid {$10000.00} on my mortgage account to take the LTV ratio well below 80 % and have my PMI deleted. I received an email from suntrust afterwards confirming this was the case and also had the amount reflected online on XX/XX/XXXX. At that point I requested via their secure messaging center ( and this is documented ) on XX/XX/2021 for my PMI to be deleted. I did exactly as was told by XXXX of Suntrust in this process. My loan is backed by XXXX XXXX and I'm also eligible for a no fee home valuation to have it dropped without paying anything but opted to reduce my interest by paying down the principle. On XX/XX/XXXX I inquired how the process was going since I had not heard back on to discover that my XX/XX/XXXX inquiry was getting denied despite my loan no longer needing the PMI and also despite paying off MORE than I was told to by the may denial letter. I called to request it to be deleted again and was told it would take ANOTHER month. I refuse to pay PMI that is effectively penalizing people for not having lots of money in the first place when I initially took out the loan. I have paid every month on time and never missed a payment. This is ridiculous. I refuse to pay another cent to PMI that I requested a pay off for due to it being applied retroactively ( covering the previous month period ). Happy to answer ANY questions. I have everything documented extensively and can even call up local branches as getting in contact with people at SUNTRUST mortgage now TRUIST is almost impossible and takes HOURS

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 2021-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
I received a collection notice from Monarch Recovery Management , Inc. on XX/XX/21, claiming debt owed on an old XXXX  checking account of mine in the amount of {$3900.00} and for a settlement amount of {$790.00}. Upon looking into this further by speaking with XXXX, I was informed that there was a lump sum transferred to this account that I have no knowledge of. I next made action to obtain the proper debt validation from Monarch Recovery by sending a Credit Validation letter by Registered Mail on XX/XX/21. I have signed receipt of mail on XX/XX/21, however, Monarch failed to return the validation information to me within the allotted 30 days. It should also be mentioned that upon looking into other consumer 's experience with Monarch, there are anecdotal reports of other consumers receiving fraudulent debt claims from Monarch.

Please let me know if I may provide any additional information. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence. 

It was recently fixed on XXXX  due to the help of this service and I would like this removed from XXXX  and Equifax as well immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
This Harris and Harris Debt Collectors calls my non for profit organization ( XXXX XXXX XXXX XXXX XXXX XXXX ) on a daily basis. We have no long-term Accounts payable or Accounts receivable, and have no need of Harris and Harris ' services. I have call this company and complained several times, especially since my organization is closed and ceased all operations, except for basic maintenance of the building. It is practically the only voice message I get and I want it to stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This company continues to report an account that was removed and has no way to upload the documents. so i can show proof that this account was in litigation and should be removed as per court order

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: RI

Complaint narrative:
Guarantee Rate Mortgage was our lender that we had an impound account with. They did not pay the second installment of our taxes which caused a penalty on our impound account of {$100.00}.

The loan was sold shortly after I notified Guarantee Rate that the tax account was past due and they did nothing to make the account current, even though there was plenty of money in the impound account to make the account current. 
The loan was sold to XXXX who made two tax payment within 45 days of obtaining our loan and also paid the penalty of {$100.00} which came out of our impound account. 
I have contacted the original loan officer at Guarantee Rate, called the number on the statement for Guarantee Rate and also notified their tax department as soon as I received notification from our local tax department that the account was not current. 
XXXX told me after an hour on the phone with them, that I would have to get the penalty refund from Guarantee Rate as they were the loan owner at the time the penalty occurred and when I talk to Guarantee Rate, they say that I need to get the refund from XXXX as they are the current lender. 
I have exhausted all avenues, provided tax information to both parties and do not know what else I can do. 
Please let me know if there is anything else I can do to get our penalty refunded that we paid out of our impound account for Guarantee Rates lack of payment on our tax account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After thinking about purchasing a home, I decided to check my credit report. I instantly noticed Inquiries on my credit that I never applied for. I sent in a dispute letter with FTC form and a copy of my personal documents such as bank statement, driver 's license, and Social security card to verify my identity. I sent these letters and documents to XXXX, XXXX, And TransUnion. Furthermore I called each company with the inquiries which stated to me to contact the Credit Bureaus to have them deleted. No one responded to my letters or deleted the Inquiries off my Credit report.

15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.

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 2021-08-19 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: NJ

Complaint narrative:
After thinking about purchasing a home, I decided to check my credit report. I instantly noticed Inquiries on my credit that I never applied for. I sent in a dispute letter with FTC form and a copy of my personal documents such as bank statement, driver 's license, and Social security card to verify my identity. I sent these letters and documents to XXXX, Equifax, And XXXX. Furthermore I called each company with the inquiries which stated to me to contact the Credit Bureaus to have them deleted. No one responded to my letters or deleted the Inquiries off my Credit report. 
15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
In XX/XX/2021 my Coinbase account was locked by my request after I received some phishing texts claiming to be from XXXX XXXX. When I made attempts to contact customer service to verify my funds were safe and reopen my account on XX/XX/2021 I received auto responses from Coinbase stating my case would be reviewed in 4-5 days. Since then I have received no cooperation or help from Coinbase. Their email I was referred to by the automatic response XXXX does not seem to be a working email for customer service. There seems to be no possible way to contact anyone directly at Coinbase for assistance and this was found to be a wide spread problem. They now have custody of over {$3000.00} worth of crypto currency and have locked me out without any type of resolution. They have also made it impossible for me to open the app from my XXXX. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I am having issues accessing my savings account with Cititbank. I contacted CFPB about week ago, and they created a ticket to get this resolved. The CFPB ticket number was XXXX. 

Citibank did respond and said that my account was now active and that I could access it. The ticket was closed. 

This morning I attempted to log into that account, and again got the " Acess Blocked '' warning. It appears that they responded back to complaint, but they did not do anything to resolve the problem. Could you please either reopen the ticket or create a new ticket to get this problem fixed. 

Thank YOU so much for your help in dealing with Citibank! 

Sincerely, 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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter to Equifax on XX/XX/21 about what I believe could be a possible violation in return they sent me a letter asking for proof of identity. Immediately I sent another sending the required documents but since than I have yet to receive a response from Equifax regarding these consumer credit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Pursuant to 15 USC 1691a ( e ), " The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. '' Pursuant to 15 USC 1691a ( f ), " The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. '' Pursuant to the federally protected consumer laws listed above, I, XXXX XXXX XXXX, natural person and consumer, is the ORIGINAL CREDITOR for all extensions of credit created against my UNITED STATES trust account.

This is also proven pursuant to 15 USC 1602 ( l ), " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Notice congress stated " ANY CARD '' and as such, Nelnet used my social security card, a credit card as defined by congress, to extend my credit to me, the ORIGINAL CREDITOR. This violation is identity theft and fraud.

Pursuant to 15 USC 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ;, should be excluded from a consumer report '' and as such, Nelnet is in violation of this code as the extension of credit originated from my social security card/credit card is being furnished to all of the consumer reporting agencies. This is also identity theft.

In addition, Pursuant to 15 USC 1681b ( 2 ), " In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT give Nelnet written instructions to furnish my information to anyone. This is also identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I was recently contacted by IC Systems regarding an outstanding utility bill from XXXX that I am not responsible for. I have never had XXXX services in my name. How this was addressed is because I am currently resolving an issue with IC Systems for an electric bill. I am not for certain but my guess is this is a case of fraudulent activity. The amount that was community me that I supposedly owe is {$850.00}.

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 explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Innovate Recovery has been trying to collect a debt from a previous apartment complex. This debt was first dismissed by a justice of the peace judge on XX/XX/2019. After countless attempts of letting them know this, they are still trying to collect on the debt. Even with the information they are sending, the amount is not the correct amount that they are showing from the apartment complex. On my credit report, the amount is {$3200.00} is not the correct amount, but are sending the final bill verification from the apartment complex that is showing {$3200.00}. There is an extra {$50.00} that is not accounted for nor was I made of any additional fees that were going to add to the original amount by this collection agency, which under the Texas Finance Code is a violation as I am asking for them to show that the debt that they have is valid. So that means any additional fees that the collection agency is attempting to collect, which is cited under Texas Finance Code Sec. 392.303 ( a ) ( 2 ) that states " collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. '' Innovate Recovery and I have not entered an agreement nor was I as a consumer made aware of any extra added fees that are trying to be collected on. I have spoken verbally to the company and have asked for them to explain the extra fees and also I have sent written communication, to which they have responded with no information or any agreement that this extra {$50.00} is my legal obligation to pay. They have also verified with all 3 credit bureaus that this debit is accurate, which this debt is not accurate nor should this debt have been referred to collections, as the debt in its entirety was dismissed in a Justice of the peace court in XXXX County Texas. Which Innovate Recovery has been made aware of and it is known, but are still trying to collect and verifying that this debt is accurate.

Company response to consumer: Closed with explanation