vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

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

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Betterment LLC
State: OR

Complaint narrative:
This is a cash back offer for opening a Betterment account thru XXXX. 
Here are the terms from Betterment/XXXX  : Cash Back is only earned for a funded Betterment Checking, Cash Reserve or Investing account of at least {$1.00} for checking products and {$10.00} for Cash Reserve and investing products, and is not available for other Betterment products or current Betterment customers. 
Cash Back will be automatically added to your XXXX account tomorrow. 

I opened the account on XX/XX/XXXX. I received this email after account opening on XX/XX/XXXX : from : Betterment Support XXXX reply-to : Betterment Support XXXX date : XX/XX/XXXX, 9:58 AM Betterment Welcome, XXXX! 
Your financial future now shines brightly. 
Let 's start by helping you get the most out of your Betterment account. Here is your progress : Congratulations on funding We're excited to start helping you earn more with Betterment Cash Reserve.

Turn on Two-Way Sweep Two-Way Sweep automates our advice on your extra cash by seamlessly transferring your cash back and forth between your linked checking account and your Betterment Cash Reserve. 

I received an email that the deposit was completed on XX/XX/XXXX. See email text below : from : Betterment Support XXXX reply-to : Betterment Support XXXX date : XX/XX/XXXX, XXXX XXXX  subject : A deposit to Cash Reserve is complete Betterment A deposit to Cash Reserve is complete From : XXXX XXXX XXXX XXXX Checking XXXX To : XXXX XXXX XXXX XXXX Personal Account Deposit amount : {$10.00} I have yet to receive any credit from XXXX after contacting support numerous times. They are working with Betterment to confirm the offer was met and I don't understand why it is taking so long since the terms say cash back should be credited " tomorrow. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I called Mr. Cooper on XX/XX/21 to obtain the amount of principal that I could pay to have the PMI removed from my mortgage. They then told me that because I was wanting to have early removal that I had two options for having PMI removed and both options required that I pay them for an appraisal! 
I then did some research and found information about the Homeowners Protection Act and your website. 
Today ( XX/XX/21 ) I called them back and after they told me - again - that I needed to pay them for an appraisal, I mentioned the Homeowners Protection Act and then the representative informed me that if I sent in a principal payment that brought me to 80 % of the loan value that the would compare to Fannie Mae and would take it off. 
As I was about to ask for the address, she hung up on me. 
I'm not sure what to do at this point, but I will be sending in the amount needed and I guess follow up with them to get PMI removed. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
I am very frustrated with this matter. I have been trying so very hard to have this incorrect account removed from my credit profile. This has been on my credit profile since XX/XX/2017. I have sent an affidavit of truth certifying that this company Receivables Management System is in clear violation of my federally protected consumer rights. They have not supplied me with any supporting documentation showing that in fact this debt is mine. I have not received any supporting documentation from them since XX/XX/2017. I've received no phone calls. And yet, they continue to report this false information to XX/XX/XXXXas well as continue to add finance charges ( 15 USC1692 F ) ( 1 ) I've read the Fair Debt Collection Practices Act, and I realize that as a consumer I have many protected rights. This company has caused a tremendous amount of undo stress, sleepless nights, and extreme anxiety. I've read that it is against the law to publish any information that would be used to create the false belief that I the consumer am a willing participating in the debt collection, which I AM NOT ( 15 USC 1692 j ) Also if you take a look at the document I've provided you will see that the original creditor listed on this collection account is Patient First.. Because my name is not listed as the original creditor they are in fact in violation and have furnished a deceptive form. I feel as if since XX/XX/2017 my reputation has in fact been ruined. This day and age EVERYONE looks at a persons credit report ( Employment, Insurance, Credit Cards, etc ) Receivables Management Systems has not been fair to me. According to the Fair Debt Collection Practices Act : FDCPA 15 USC 1681 it states that our consumer reports are our reputation. Please take a look at my credit report which I have attached. This collection account has been furnished to XX/XX/XXXXand has immensely impacted my credit scoring in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Four times XXXX XXXX XXXX has given me 30 days delinquencies when I was NEVER late once. Each time I had to go through a two month process until they corrected each one. 
Latest was I spoke to them was XX/XX/XXXX about a payment due of XX/XX/XXXX. They said I did not owe anything for the XX/XX/XXXX bill. They said going forward to the XX/XX/XXXX bill, all I needed to do was final payment on loan. I asked to pay it off anyway XX/XX/XXXX to keep it in the XX/XX/XXXX invoice 30 day cycle. My payment was taken over the phone and I saw it was taken out of my account following day as normal. 
A couple days later I received alerts that I had been reported as late! Not only had I made the payment timely, but I had been told by TWO different people that I did not even have one due!! 
When I called to inquire about this twice, I was just told that no one could figure it out and it would have to go to a dispute again, which takes two months and I am not even allowed to talk to anyone in the credit department. 
If this happened once, maybe it is an accident, but four separate times?? They do not care that this lowers my score about 50 points each time it happens.

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 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
There was a collection account showed up on my XXXX  credit report. I called the debt collector to tell them it is not my account and I never used those services. The representative asked me for my address, but I refused to give my address, as I have been a victim of identity theft before. The representative started using abusive language and threatened to report the debt to all three credit bureaus to damage my credit. I hung up the call as she started becoming more abusive. I have not used those services, and I can prove that that is not my debt, but I did not want to give out my personal information to that collection agency.

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 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to Transunion and XXXX  requesting validation of debts and derogatory marks being reported to my credit. As of XX/XX/2021 I have not received any form of validation. This is against the Fair credit reporting act law stating agencies have a 30 day window to provide validation. The following accounts and inquiries were listed. XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
I had a mortgage with XXXX ( c/o PHH Mortgage Services ) which was paid off in XX/XX/XXXX. I did not receive my 2020 year end 1098 tax form showing the amount of interest paid and the amount of property tax that was paid out of my escrow account by the mortgage company. I called them the beginning XXXX because I did not receive the 1098 form and it was not available when logging into my account on their website. The associate I spoke with was stated they would look into and get back to me. I waited a couple of days and got no reply. I called back on XX/XX/XXXX and the associate I spoke with said the form was on the account so she emailed it to me. They sent me the tax statement for the wrong year and not the XXXX statement I requested. I called back and was escalated to XXXX on their escalations team who said she would check on this. As of today ( XX/XX/XXXX ) I still do not have the 1098 statement for XXXX. I just spoke with XXXX again a few minutes ago and she said there is no update and she has no other information to provide me. XXXX XXXX direct line is XXXX XXXX. Three weeks later and still no XXXX XXXX statement!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I called Equifax today to temporarily lift the freeze on my credit profile so I can open a new bank account. Their automated phone system denied me access, and then their XXXX call center refused to help. I have the 10-digit PIN issued to me at the time of the freeze, but that is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: MO

Complaint narrative:
Just disputed this and was changed on XXXX and the info is still inncorrect this item has been reported wrong several times all the errors has caused more damage to my credit report and scores than it should i have the contract that states 72 month terms its showing 75 another error

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 2021-02-26 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: MI

Complaint narrative:
There are two accounts on my report from one company that I have never done business with or heard of. This is a result of 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 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Finance is saying that I owe XXXX dollars and it has greatest effected my credit score. Theyve lied and reported the nearly XXXX on my credit and that is completely false. I need help contesting this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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:
Please be advised this is my fifth WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
At the beginning of XX/XX/2020 I was 'Conditionally Approved ' for a cash-out refinance loan with Loan Depot through Loandepot.com. The loan was conditionally approved within 3 business days. I was advised loan would close in 30-45 days and not to pursue any other debt financing during this period. My case manager became unresponsive after multiple emails after 30 days from the Conditional Approval indicating she was 'working on my file '. Only after multiple attempts to get answers, a call to customer service got her to review my file. On XX/XX/2020, she had me sign documents to initiate the 'closing of the loan ', I later learned that was actually done before my loan was given to the underwriting department. After multiple phone calls emails additional documents submitted my loan finally closed on XX/XX/XXXX -- The file was not handled properly and we were advised to sign blank forms and 'fill out forms during the closing '. On XX/XX/XXXX I was advised in an email to back-date a document in order to close my loan. On the phone I was advised I needed to do this or they would need to reschedule my entire closing again, however, I found this document in my file and did not need to do this ... XX/XX/XXXX XXXX I was informed in an email the closing documents are 'under review '. Upon the advise of my attorney I am filing a formal complaint for the questionable business practices I've encountered during the process. I can supply emails and documents on request. Based on recent posts to the XXXX and other online sources it seems as though Loan Depot is engaging in a pattern of deceptive business practices in order to cover for processing error in its system that are injurious to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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:
Equifax has removed an account that does not belong to me and put it back on. This is harming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
How could you report this account accurate? If it already has been deleted from the other. If they cant validate it. How can you validate this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In the previous letter I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. CAPITAL ONE BANK US ( Opened XXXX. XXXX, 2016 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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: TX

Complaint narrative:
on XX/XX/2021. I sent a letters regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment 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 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I entered my local branch of Bank of America ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) and made a check deposit of {$8700.00} the check was from XXXX, a publicly traded entity of which I hold stock. I have had this account open since XXXX of XXXX and since that time there has been roughly {$90000.00} in deposits made to this account. The issue at hand is the branch manager told me that {$5300.00} of the total check amount ( {$8700.00} ) would be available for me on XX/XX/XXXX and that the remainder would be made available to me the following week ending in XX/XX/XXXX. I accepted those terms and proceeded to make the deposit. It was not until the morning of XX/XX/XXXX that I received an automated email from Bank of America stating that the entirety of the check was to be placed on hold until XX/XX/XXXX. I called the branch at XXXX XXXX and spoke to their banker named " XXXX '' he took down my name and telephone number, told me the manager was speaking to a customer and he would have her call me back the moment she becomes available. During that time I proceeded to call the customer service number for Bank of America Corporate Offices. I raised the issue to the highest possible level. The supervisor gave me his ID NUMBER : '' XXXX ''. I lodged a formal " internal complaint '' with that supervisor against the branch manager who handled the deposit for providing me misleading information which I believe is predatory in its nature. The motive being to secure my deposit and provide me with reasoning to do so that was completely false. 

I am filing this complaint as I am completing the process of speaking to them on the phone, the duration of this phone call has been 91 minutes and 26 seconds. During this time I have still yet to receive a call back from that branch XXXX it is currently XXXX XXXX, I called them at XXXX this morning XX/XX/XXXX. 

The outcome of all of the escalations was that they are keeping the hold until XX/XX/XXXX on the entire check amount in order to " verify the funds '' as I stated above the validity of XXXX is public information as is the financial solvency. The hold of 10 days to verify a check to me sounds extremely long, however the issue of the highest authority at the physical branch telling me a lie in order to obtain my deposit is the predatory act committed by Bank of America.

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