vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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:
This complaint comes forth as I have reached out to Experian as a victim of Identity Theft, yet to no avail. I am extremely disappointed in their failure to process this dispute as I am victim already of fraudulent acts and currently feel as if I am shouting in the dark.

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 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I am enclosing the letters explaining everything with this complaint. I will give you an overview here. I had received an email offer on XXXX to get a free dash cam if I paid for shipping and handling of {$14.00}. I responded to the email and gave them my credit card information for that purchase only. Unfortunately, I do not have the original offer email to verify the offer. However, on XXXX I was checking my credit card account on line and discovered that that company had charged me {$69.00}. I was able to reach them this one and only time because after I disputed the charge, they disconnected the phone number. I asked what the charge was for and they told me it was for the dash cam. They told me that the {$14.00} was just for shipping and handling. I told them that they offered the dash cam free for just shipping and handling. I told them that I wanted to return it because it was defective and not worth {$69.00}. They refuse to give me any return information and I was told that they did not accept returns. That was when I filed the dispute with Capital One. Capital One gave me a credit but then when they contacted the company, " XXXX XXXX XXXX '', the company told me that I had authorized the charge which was not true. Capital One wrote me a letter and asked me to prove that I didn't authorize the charge. I was unable to prove a negative and I was unable to reach the company that had charged my account because the phone number was no longer their phone but some other company. I tried in vain to get Capital One to reinstate my dispute but they refused and charged my account the {$69.00}. They closed the case because I couldn't prove that the charge was fraudulent. I tried in vain to get Capitol One to give me a valid phone number and address of the company so that I could file a complaint against the company. Finally, sometime during the month of XXXX, 2021 I was able to get a Capital One employee to give me a phone number and a mailing address for Struck A Deal. I called the phone number several times a day for a couple weeks and never reached anyone so I packed up the defective merchandise and mailed it to the address that Capital One gave to me. I called Capital One today but they still refuse to reinstate my dispute and give me my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Closed on new home purchase for primary residence in XXXX NC in XX/XX/2021. Prior to closing, provided evidence of flood insurance coverage in amount of {$140000.00} based on existing coverage amount with XXXX on the property. Penfed made no indication of necessary flood insurance coverage amount or that any necessary changes to coverage amount. Received a letter Dated XX/XX/2021 addressed from Penfed ( it is apparent the communication came from a 3rd party contracted to handle proof of insurance - however there is no indication of this in the letter which addresses it from " Insurance Service Center '' ). Letter states records indicate the property should have at least XXXX of flood insurance coverage .... the coverage amount must be at least equal to the lesser of : 1 ) loan balance, 2 ) replacement cost value of the building, XXXX ) or maximum amount of coverage available by the XXXX ( the maximum offered is {$250000.00} by XXXX ). 

The letter contains no indication of the replacement cost value of the building nor any consideration of how the appropriate amount of flood insurance was determined. Penfed contradicted the statements about determining appropriate coverage amount and defaulted to the maximum and most expensive allowable amount ( XXXX ) without any consideration or rationale. 

Between week of XX/XX/XXXX and XX/XX/XXXX I've made at least 15 calls, sent 5+ emails, spent 6+ hours trying to contact representatives of penfed and/or their 3rd party insurance verification vendor to share the replacement cost estimate performed by my Flood Insurance Agent that evidences a replacement cost of {$190000.00}. Penfed and their vendor have ignored my messages, bounced me between departments, disconnected my calls, promised manager callbacks within 24-48 hours that never occurred, and totally failed to consider my question and complaint related to appropriate insurance coverage despite every attempt to communicate that the maximum allowable flood insurance has not been appropriately considered or calculated. They have threatened forced place coverage without addressing my concern which risks impacted me financially and making my mortgage unaffordable. Penfed 's system for handling calls, questions, and complaints is totally insufficient and the use of a third party for critical mortgage servicing elements is damaging to their customers.

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 2021-06-25 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: MD

Complaint narrative:
Hello, According to 15 U.S. Code 1681b ( 2 ), I didn't expressly give Equifax written permission to furnish a consumer report about me, nor specific entries contained within a consumer report. As a consumer, pursuant to 15 U.S. Code 1681b ( 2 ), it's my right to have a say so as to what appears on my consumer report and I'm demanding that Equifax remove two accounts from my credit profile ASAP. 

Account 1 : XXXX XXXX XXXX Alleged late payment that is still displaying open but last updated XX/XX/2019 Account 2 : XXXXXXXX XXXX  A closed charge-off account that was last updated XX/XX/2019 My next move will be to file a lawsuit against Equifax if these accounts aren't removed from my credit profile ASAP. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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 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  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

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

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TX

Complaint narrative:
In XX/XX/XXXX, I submitted validation letters to the credit bureaus for a XXXX XXXX account that was reporting on my credit report and does not belong to me. In XX/XX/XXXX, I received a letter from Experian, XXXX, or XXXX stating that the account was " verified '', but did not forward any documents proving the validity of the account belonging to me. I then forwarded a second notice validation dispute letter in XX/XX/XXXX, in which I did not receive a response back from either bureau. In XX/XX/XXXX, I submitted another validation dispute letter and received a message through the Experian app, which I did not authorize for electronic results, stating that the XXXX account has been " updated ''. I have not received any validation of the account. This action performed by the credit bureaus has caused me great financial harm due to unverified and invalidated accounts.

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 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Angel Oak Home Loans LLC
State: FL

Complaint narrative:
Received notices in the mail from our homeowners and flood insurance companies that the policies had not been paid by the XX/XX/XXXX deadlines and the policies had expired. I called Angel Oak to discuss the matter and spoke with XXXX on XX/XX/XXXX. She acknowledged that the policies had not beed paid out of escrow because they had to " work out the kinks '' in their new system and she had only received " training yesterday '' on how to make payments. She acknowledged that Angel Oak was aware it was not making payments out of escrow even though they were due, and hadn't notified customers. I asked her to send me confirmation of payment as soon as possible, as well as have someone call and explain how they were unable to make payments due to a " new system ''. As of today XX/XX/XXXX, they haven't made payments on the policies, provided evidence payments were made, or contacted me with any explanation. I've had to pay the policies myself, and hope for a refund if and when they pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: IL

Complaint narrative:
I filed a dispute with the XXXX XXXX XXXX in regards to inaccurate inquiries reporting to my credit reports. I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

CHRYSLERCAP account number XXXX XXXX opened XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Elite Mortgage Funding inc
State: MI

Complaint narrative:
Elite home funding nmls # XXXX has been calling me to the point of harassment. Ive asked to be removed from the auto dial system and they have refused.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: IL

Complaint narrative:
My name Is XXXX XXXX am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TX

Complaint narrative:
Experian dispute repeats what the creditor states, without any documentation or investigation from Experian 's point of view. Yet, it keeps damaging my credit score, with apparently no recourse for me. 

Reference to Experian Report Number XXXX Issue : XXXX ( credit union in TX ) reported wrongly on my file that I was late 30 days. I asked for documentation, and they refused to provide. 
I opened a dispute with Experian, and I was asked documentation to sustain my dispute. I provided it. 
XXXX response came exactly the same way as before, without any documentation, wrongly stating that I was late for 30 days. 
I asked Experian how was this determined, and I got no answer. 
Why is it possible that a credit union can put anything on a report, and when asked for documentation they do not have to produce anything? 
Can I get this item corrected?

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 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Someone is using my address to send cards from CashApp and the company refuses to protect my address for that use. 

Cards are being sent and I only see them through the e-mail message I receive every morning from the Postal Service ( images attached ). Then, these letter are never there when I get my mail later in the day - which means someone is, in fact, reaching out to my mailbox to recover those cards. 

I am not home during the day to talk to the Mail person or try to intercept that person who is taking the cards or even getting the card earlier so they do not succeed in using my address to whatever they are trying to do. 

4 different people answered my e-mail messages complaining about the issue : XXXX, XXXX, XXXX and XXXX. Apparently my case number is XXXX. This last message shows exactly how uncommitted CashApp is to combat fraud. 

________________________________________________________________ From XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, This is XXXX with Cash App Support Team. Thanks for getting in touch with us I hope you and your loved ones are safe and healthy. At the moment XXXX is out of the office. Ill be taking over from here and I completely understand that you want to stop getting card in your address, otherwise you will open a ticket, and just know that I'm here to assist you along the way. 

Were always looking to improve our products based on our customers feedback and enjoy hearing from you about how we can make Cash App as useful as it can be. At this time we do not offer the option to block an address from getting cards. 

Ill pass your request to the rest of the team. Thank you for sharing your insight with us! 

If you have any other questions or concerns, feel free to let me know. I'll be more than happy to assist you. Have an amazing day! 

Best regards XXXX XXXX Cash App Support Team ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
10 minutes ago just spoke with XXXX OF EQUIFAX UNLESS SHE IS LYING ABOUT HER COMPANY ID. 
I asked for help with online access ... the same problem I HAVE NOTIFIED THEM ABOUT FOR OVER A YEAR. XXXX SAYS SHE CAN NOT FIND MY DRIVERS LICENSE ON FILE WITH CORRECT ADDRESS EVEN THOUGH A EQUIFAX MEMBER VERIFIED THAT THEY HAD IT ON FILE OVER TWO WEEKS AGO ... 

WHY IS THIS COMPANY COMPOSED OF FOREIGN NATIONALS WHO ARE CLEARLY INCOMPETENT AND XXXX 

SHE SAYS I NEED TO SEND IN THE ID AGAIN ( BECAUSE THEY LOST IT? ) MY DRIVERS LICENSE, SOCIA ; L SECURITY CARD AN EQUIFAX MAILED RESEARCH REQUST FORM WITH IMPRINTED CONFIRMATION NUMBER, WILL ALL BE ADDED AS AN ATTACHMENT TODAY.. 

I AM ALREADY ANOTHER UNPAID VICTIM OF EQUIFAX ' DATA BREACH SUFFERING THE AFFECTS OF ID THEFT FOR YEARS NOW. 

I WANT THEM TO IMMEDIATELY CLEAR MY ONLINE ACCESS SO I CAN GET THE WEEKLY REPORTS MANDATED BY CONGRESS IN XXXX XXXX XXXX THAT EQUIFAX WILL NOT DELIVER ONLINE.. 

AS A MATTER OF FACT THEY WILL NOT GIVE OUT ANY CURRENT INFORMATION.. 

THE LATEST EQUIFAX UPDATE ON XXXX XXXX SITE FOR EQUIFAX IS XX/XX/XXXX ... IT IS USELESS AS EQUIFAX EMPLOYEES IN THE XXXX, HOWEVER MUCH I LOVE THE XXXX XXXX CONSTANT GOOD ACTIONS ... HIS COUNTRYMEN WORKING AT EQUIFAX HAVE BEEN NOTHING BUT OBFUSCATING TIME STEALERS UNABLE AND UNWILLING TO ACCOMPLISH ANY OF CONGRESS ' MANDATED DUTIES OF CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I had a mortgage in XXXX with TIAA XXXX. The loan was transferred in XX/XX/XXXX to XXXX. In XX/XX/XXXX the company said I had to pay an additional {$100.00} because my escrow was too low because they had an additional sewer tax that was not included in the initial escrow calculation. I paid the additional amount for the mortgage that month and saw that my escrow had increased {$31.00} per month due to the sewer tax. At the time, I was dealing with a death in the family and did not research the sewer tax. 
When I received my new sewer tax in XX/XX/XXXX I called them and asked if they were paying this. They said yes. In XX/XX/XXXX XXXX XXXX sent a letter to me saying I was in arrears for the sewer tax. It was never paid. I paid the sewer tax for XXXX. When I paid it, I noticed that I had paid the sewer tax in XXXX as well. The bank never paid a sewer tax on my house ever, yet they increased my monthly escrow amount and made me pay an additional {$100.00}. 
When I called them on XX/XX/XXXX and asked for a review of the escrow account to remove the sewer tax in the calculation, it was denied because of my loan to value ratio, which has nothing to do with the sewer tax. They claim they sent me a letter indicating this but I have never received a letter from XXXX about my escrow account. I did not learn about the denial until I called them today, XX/XX/XXXX. 
In addition to this error they had another error as well in my escrow account online indicating my previous escrow amount was {$550.00}. It was not. It was {$410.00}. According to the customer service rep, that was because they were adding the {$410.00} and the {$100.00} that I paid ONCE, and used that as my old escrow amount. When I pointed out the error I got a laugh. 
I don't find the errors in my escrow account funny. This is not the first time a bank has not been able to add correctly for escrow. Seems to be an industry thing that they steal from people who are unaware that banks can't add.

Company response to consumer: Closed with explanation