vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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 is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NH

Complaint narrative:
I started banking through credit karma when they introduced their instant karma feature. On XX/XX/XXXX at approximately XXXX I received an email stating, " We noticed some new activity on your profile and are reaching out to ensure the security of your account. Please provide a front and back copy of a valid government issued photo ID along with a statement copy of the external linked account ending in XXXX. Please ensure the statement of the external linked account shows the account owner 's Name. 
We apologize for any inconvenience but this is necessary to maintain the security of your account I submitted the proofs that day. It is now XX/XX/XXXX and Everytime I call their customer service all they say is it's been escalated and being reviewed. Our specialized team is reviewing everything. When I ask to speak the the specialized team they say they only communicate through email. I still 12 days later have not heard a single word from this so called specialized department. They will not give me any information as to why my account was locked or when it could be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Higher Level Processing
State: PA

Complaint narrative:
Higher Level Processes charged me for work that had already been done by my loan servicer and charged for a FREE service. 
Higher Level Processes charged a fee to recertify my student loans, recalculate a new loan, document preparation, program switch, etc. {$210.00} payable monthly for 6 months and then a {$39.00} annual fee. 
My loans had already been recalculated by my loan servicer, no charge. 
I thought that Higher Level Processes was a legitimate company because they already had a lot of information. They may have compromised my loan servicer account or my FSA account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I was working on my computer & got a pop-up stating that my it was being hacked & that I needed to contact XXXX at the number provided. I did & was told that my bank, First Horizon, was being investigated for internal fraud. I complied with the requests to wire money to the attached bank & customer. My bank was unable to halt the wire transfer. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX CUSTOMER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX and XXXX, I hosted a basketball tournament in which teams make payments to participate. I established a checking account with BBVA. I was sure that I set up a XXXX  account. During months leading up to the event, teams registered using XXXX XXXX as the payment processor ( XXXX XXXX ). A part of establishing the account with XXXX XXXX was verification of my XXXX  that included me sending in required documentation ( IRS letter including Tax ID #, my personal information, etc. ) The monies collected were deposited into the BBVA account. After the event, I attempted to wire funds to pay for the referees. My account was frozen due to Fraud. I contacted the Fraud and Legal department of BBVA and was advised I needed to send in an IRS letter to connect me with the XXXX  account because the account that I had with them was a personal account. The agent requested an IRS letter. On XX/XX/XXXX, I emailed the IRS letter to BBVA. I have called and left messages with the agent handling my account at XXXX. Today, XX/XX/XXXX, I spoke with an agent that advised that there was only {$96.00} in my account out of the XXXX that was previously collected. 

I have not heard from anyone at BBVA to advise as to why the monies were sent back or that they would be sent back. I still have outstanding creditors that need to be paid. This is creating undue stress as I do not know where XXXX dollars has gone. 

I am a XXXX XXXX XXXX XXXX and this was my second event. My credibility as an XXXX XXXX is being questioned amongst other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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:
I wrote the three credit bureaus, XXXX XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: OH

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Over thirty days ago, I wrote to Credit Bureau indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that this misleading have been removed. 
Wrong amount is being reported : XXXX XXXX XXXXXXXX NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Our mother, a resident of Indiana, passed away XX/XX/2020. In the process of settling her final affairs, we realized that a mortgage for a double-wide trailer in Tennessee with Select Portfolio Servicing still existed in her name. In researching this issue we realized her brother 's girlfriend had her illegally sign a quitclaim deed to the double-wide and the land it sits on over to her. Our uncle and his girlfriend live in the double-wide trailer and use our mother 's SSN to access the automated payment system to make the monthly payments. We have tried contacting Select Portfolio Servicing to get them to stop accepting payments on the property, but they refuse. We were told by SPS that as long as someone makes a payment they will continue to let the loan be active. My siblings and I have contacted an attorney in Tennessee and were told that we legally own the trailer and our uncle and his girlfriend legally own the land that it sits on. However, the escrow account for our mother 's loan pays for the property tax for our uncle 's property. The attorney also verified the quitclaim deed was not valid, but the statute of limitations has passed for any legal charges to be filed. Select Portfolio Servicing should have forclosed on the property back when the quitclaim deed was filed since the land used to secure the loan was signed over to someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
I have tried on numerous phone calls and attempts to resolve the situation regarding my foreclosure. Rushmore loan management representatives are withholding information, over talk me will not answer any of my questions. Today I called with a HUD counselor on the phone to assist with the phone call and still the same rudeness from all representative XXXX was first, XXXX second, and lastly XXXX. We requested to speak with management several times and we were hung up on. The misrepresenting notes that are taken by each representative are very troubling. The miscommunication and the false claims are in an attempt to benefit Rushmore in seeking foreclosure This company will not assist me at all. I am in the process of seeking an attorney or joining a class action suit against this company or the end result will be bankruptcy I will not release my property to the scam artist. I am trying to get somebody to go over detailed questions that I have about my property and loans being transferred twice in a matter of four months also there are way too many representatives handling this case and a lot of confusion and nobody cares. I have the right to know why there were fees placed upon my account during Covid I have the right to know when my loan was purchased from the previous lenders and I also have the right to have my account on hold for 60 days which Im told is not the case because of that discrepancy with when they are saying my loan was transferred. Im also being told that my loan is not secured for 60 days from the date of transfer. There is a big discrepancy with when I was told from the previous lender as to when the loan was transferred because Rushmore is telling something totally different. This is very scary, This company is dishonest and is doing everything thing possible to help me avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CA

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Wrote letter requesting for VALIDATION not VERIFICATION 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
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened two accounts online with Citi on XX/XX/21 and initiated bank transfers for XXXX $ and XXXX $ to fund the accounts. On XX/XX/21 Citi 's online banking system did not show the transactions so I called and spoke to two Citi representatives on XX/XX/21. One advised me that the transactions had been rejected, and another advised me that I did not initiate any transfers and that no money would be withdrawn from my initial accounts. Given the conflicting information I was provided, I closed the accounts. On XX/XX/21 Citi withdrew the money from my initial accounts despite being assured that no transactions had been processed and having closed both accounts. On XX/XX/21 I noticed the money had been withdrawn from my initial funding account. I called to understand where my money was currently. Again, I received conflicting information. First, I was told that the transactions had been rejected ( by one rep ) and should be returned to my initial accounts within 4 business days. Then, I was told by different representative that they received my money on the closed accounts and would be mailing a check to refund the money. 

I would expect a banking institution to be able to tell me where exactly my money is and provide consistent answers across representatives.

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I obtained a copy of my credit report several months ago and noticed that my XXXX XXXX credit card that I have had since XX/XX/XXXX was not being reported to any of the credit bureaus. I reached out to XXXX XXXX directly and they responded and confirmed that they would be re-reporting my account to all 3 credit bureaus. This request was recorded several months ago in XX/XX/XXXX. Unfortunately, at this time, XXXX  and TransUnion are still not properly reporting my XXXX XXXX account. XXXX  is not reporting the full history of my account ( they are only reporting from XXXX to present ) and TransUnion is not reporting the account at all. I know that payment history makes up a majority of my credit scores, so I am not getting the proper credit for the 8 years of on time payments to my XXXX  and TransUnion credit score. I have tried calling TransUnion directly and also have sent them letters but I am not receiving any responses from them regarding this and other matters on my credit report.

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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I obtained a copy of my credit report several months ago and noticed that my XXXX XXXX credit card that I have had since XX/XX/XXXX was not being reported to any of the credit bureaus. I reached out to XXXX XXXX directly and they responded and confirmed that they would be re-reporting my account to all 3 credit bureaus. This request was recorded several months ago in XX/XX/XXXX. Unfortunately, at this time, Equifax and XXXX  are still not properly reporting my XXXX XXXX account. Equifax is not reporting the full history of my account ( they are only reporting from XXXX to present ) and XXXX  is not reporting the account at all. I know that payment history makes up a majority of my credit scores, so I am not getting the proper credit for the 8 years of on time payments to my Equifax and XXXX  credit score. I have tried calling XXXX  directly and also have sent them letters but I am not receiving any responses from them regarding this and other matters on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CA

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Over thirty days ago, I wrote to Credit Bureau indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office.

I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that this misleading have been removed. 
Wrong amount is being reported : XXXXXXXX XXXX XXXXXXXX NEVER LATE.

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 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
After reviewing my credit report, I contacted Portfolio Recovery Solutions on XX/XX/XXXX at XXXX XXXX XXXX to dispute the negative reporting by them. I requested for more information regarding the negative reporting by them on my credit report. I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 

Description of the information on credit report : Account is in collection and has a {$460.00} open balance. Account was opened on XX/XX/XXXX ( 11 months XXXX. XXXX  XXXX XXXX  XXXX XXXX. is the original creditor. I have checked my records and found that I did have a XXXX XXXX Credit Card in XXXX. This account was " CHARGED OFF " and closed by the original creditor XXXX XXXX XXXX ). 

I received the requested information from PRA, LLC on XX/XX/XXXX in 2 envelopes. As you will see from the attachments to this complaint : ( 1 ) envelopes have no company logo or any inference it's from PRA, LLC ( 2 ) Information in one of the letter is inaccurate, incorrect and misleading. PRA, LLC never notified me previously when the company purchase this debt on XX/XX/XXXX. Also PRA, LLC is demanding payment when the debt is in dispute. ( 3 ) Information in the other letter shows account open date and it's different from the reported open date in my credit report of 07/29/20 provided by PRA, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am not liable for this debt with XXXX  and I do not have a contract with CAINE & WEINER plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Account Name : SYNCB/PPC Account Number : XXXX Date Opened : XX/XX/2018 Balance : Reason : Identity theft Please remove it from my credit report

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 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express ( or their representatives ) have repeatedly called my phone number via an auto-dialer attempting to collect a debt from an individual, XXXX XXXX. I am not XXXX XXXX and have shared this information on multiple occasions. They tell me that my phone number was given as a number for " XXXX XXXX '', even though I've owned this phone number for some time. Each of the 10 times this company has called, I have told them this number is not XXXX 's. They have told me they will continue to call to attempt to collect " XXXX 's '' debt. When I told them that what they were doing was " illegal '', they continuously denied that what they were doing was illegal and that they could take any action necessary to collect the debt. At this point, this is harrassment. I'd like American Express to abide by fair debt collection practices. 

The vendor uses local number - XXXX.

Company response to consumer: Closed with non-monetary relief