vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: NV

Complaint narrative:
I have several information that is on my credit on my credit report that I don't recognize, nor does it belong to me. Additionally, there are addresses I have never lived nor did I authorize any of these companies to run my credit. Please delete the following information as I have rights according to the fair credit reporting act. This is now the second request. Note that I am not a credit repair company nor a mortgage company either. I just want to live peacefully. Thank you very much.

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 2020-12-17 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: NV

Complaint narrative:
I have several information that is on my credit on my credit report that I don't recognize, nor does it belong to me. Additionally, there are addresses I have never lived nor did I authorize any of these companies to run my credit. Please delete the following information as I have rights according to the fair credit reporting act. This is now the second request. Note that I am not a credit repair company nor a mortgage company either. I just want to live peacefully. Thank you very much.

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 2020-12-17 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: NV

Complaint narrative:
I have several information that is on my credit on my credit report that I don't recognize, nor does it belong to me. Additionally, there are addresses I have never lived nor did I authorize any of these companies to run my credit. Please delete the following information as I have rights according to the fair credit reporting act. This is now the second request. Note that I am not a credit repair company nor a mortgage company either. I just want to live peacefully. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Re : Account Number : XXXX XXXX XXXX I am writing to you requesting a tepslf. As you can see I have made an extreme effort to pay the loan with automatic payment, doing what I need to do get the forgiveness approved. Upon discovered that all of the 133 payments of {$250.00}, which equal to {$33000.00}. did not count toward. I also discovered that only 17 payments that count toward, which is and out of that only {$4300.00} What about the rest of the payment {$29000.00} where does it goes to, someone pocket? And no one can tell me where the payment goes to. It is unfair for me as a good citizen whom who work and give back to the society, the community and as well as paying his debt, and just want a loan to be forgive. They blaming me for not doing right, but all this years they keep their shut. Every time I called I never get the answer. It always a run around. I email to XXXX months ago with no response. Please take a moment to consider my request. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka Genesis Credit ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to Columbia Debt Recovery, LLC.

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

Genesis Credit has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. Genesis removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that Genesis Credit is under investigation for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ok on XX/XX/ I received a auto message from Bank of America saying I had a balance inquery on my acct followed by a fraudulent withdraw of {$580.00} out of my acct. I live in XXXX XXXX CA and the withdraw says it took place in XXXX XXXX. I called BofA to close my acct and opened a claim that next morning ( employee # who helped XXXX ) only to receive a letter on XX/XX/XXXX saying my claim has already been closed. Which is telling me they didnt even investigate my claim. I just want someone to actually assist me with this fraud

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 2020-12-17 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: TX

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I realized that the mortgage payments I made in the last few months on a loan serviced by LoanCare LLC had not been applied to my account when I received a letter from LoanCare LLC saying that my account was delinquent. 

However, I have been making payments in the same manner through electronic transfer via my bank, XXXX XXXX, for many years. 

I have bank statements showing that the monthly payments were withdrawn from my account on the days listed below. Previous statements can also be referenced to demonstrate consistency in the way the payments were sent to LoanCare. 

The statements show payments of {$950.00} on : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 A payment was made XX/XX/2020, but a statement is not yet available for this month from my bank. 

XXXX XXXX representatives confirmed that these payments were sent to LoanCare LLC.

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 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/20 I received a letter from XXXX XXXX XXXX that Dovenmuehle Mortgage Co bought my loan. Dovenmuehle never contacted me. I had to call them 15 to 20 times to get information. I originally refinanced with a 21 year fixed loan. Somehow Dovenmuehle changed it to a 30 year mortgage without my knowledge. I tried to get them to change it and my calls would be answered with someone will contact me, but they never did. On XX/XX/XXXX I received two collection letters demanding payment. Previously I had never had any contact from them. Today, XX/XX/20, I demanded that they take my payments for XXXX & XXXX for the monthly amount I originally refinanced because I didnt want my credit to be affected and to not incur any bogus late fees. In order to pay it by phone I had to pay an additional {$11.00} service fee which I thought was rude in light of me having to pursue them to make the payments. I paid two payments of {$1800.00} for a total of {$3600.00} and was told that they would make the necessary corrections. With all the problems Ive had, Im still uncomfortable that they will follow through. Dovenmuehle gives their industry a bad name. I wish I didnt have to deal with them, but I guess i have no choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery ERC is attempting to collect on a XXXX bill that was resolved over 12 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear Madam/Sir : Please be advised that I strenuously disagree with AMEX 's egregious, discrimatory and XXXX decision to cancel ALL of my AMERICAN EXPRESS Card, including MY CORPORATE CARD, without the benefit of a fair and impartial adjudication of the present and historical facts. I especially take objection to your characterization of me contained in your letter, which is at best erroneous but us in fact discrimiatory. 

Specifically, I have been loyal American Express Cardholder from more than 20 years. I have dutifully paid my bills ON TIME and have been a consistent and regular user of both my personal and CORPORATE cards. Further, I am a well-respected financial professional with more than 36 years in the financial institutions space. To have AMEX unceremoniously cancel my Hilton, Surpass Card AND Corporate Card based on a biased representation of the facts has jeopardized the well-being of not only myself, but of that of my employees. 

With all of us dealing with the COVID pandemic, these actions are unconscionable and disgraceful. These are especially pronounced since AMEX have not been made privy to the disrespectful treatment I have received from your Customer Service representatives in the past ( which has persisted until the present day ). I have attached a link to some of the comments on the behavior of their customer service representatives. 
https : //www.corporate-office-headquarters.com/american-express-company Accordingly, I am formally requesting that AMEX reconsider their short-sighted decision and reinstate both my Corporate ( Account ending in XXXX ) and Hilton Surpass Card ( account ending in XXXX ) in due course. 
. 
I look forward to your prompt and courteous reply and a satisfactory conclusion to this episode. But I really need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
XXXX I received a debt collector called my phone and claimed to have a debt I owed on. They provided a social security number and date of birth and address and said I verified into to my account and started speaking about a medical debt. I know they arent allowed to give personal information to any third parties and need to verify it is the debtor before providing any information. I asked to speak to a manager who refused to talk to me till I provided a date of birth or last four of my social. When I told them that the date of birth and social security I was given by the representative were this, he told me I have to just say it and not that the representative told me it or he wouldnt help me and he hung up on me. This clearly shows they know it was wrong and a breach of the fdcpa and hipaa laws. I asked for a signed third party consent form signed by me and they told me they didnt have that either which indicated they are illegally holding medical information according to hipaa regulation. The compliance officer XXXX told me he had to request that info which and he defended the representative and provided all of the personal information again saying hes allowed to arrogantly. When I told him that personal information is enough to verify into a bank online and he is putting peoples identities at risk he arrogantly mocked me and told me I need a better bank. He also said hed block me from calling in at all after I told him Id call and escalate this. They refused to provide me their address and blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX an unknown user sent an amount of {$70.00} to my cash app account. 
I did not know this user and therefore sent the {$70.00} back, promptly, on the same day, as requested by the user who explained they accidentally sent it to me. 
I thought nothing more of it until XX/XX/XXXX when cashapp notified me they would be taking {$70.00} from my account to pay to the same user because there was a dispute opened with the users bank. 
There was never any inquiry into the matter. I was never given notice or a chance to explain the situation. I was simply notified on XX/XX/XXXX and the money was taken right then. 
I have since tried to get the funds back with no reasonable resolution being offered by cash app ( Square inc ). I believe their actions are in violation of the ETFA and they have yet to offer any reasonable resolution to this matter. I simply want my money back in my account. I never authorized this transaction to be made. My explanation can also be ( and has been ) verified/validated/confirmed by cash app by simply looking through the transaction history on my account which shows the accuracy of my explanation! I would like the {$70.00} returned to me promptly! 
I would also like square inc to review its policies that would allow such a situation to occur in the first place. Their policies appear to allow financial scams to be perpetrated on their users and also makes them complicit in these scams!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TX

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm tired and very frustrated of disputing the same two incorrect Addresses listed on my credit report. I've sent numerous disputes removing these inaccurate/incorrect addresses which have been removed previously only for it to be put back on my report. I need EQUIFAX  TO STOP reporting false/fraudulent and incorrect information to my credit file. This is my final attempt to reach their dispute/complaint department requesting to make corrections and remove them. I just submitted my last and final dispute request via their online dispute portal with CONFIRMATION NUMBER : XXXX. If this issue is not resolved via this complain I will move forward with litigation with the district court for negligence on their duty to reasonably investigate disputed incorrect information. I've attached my ID for verification of current address and identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: KEYCORP
State: NY

Complaint narrative:
Card for key XXXX benefits is temporarily suspended and I cant get ahold of representatives to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/XXXX I put a check into the the citi bank located at XXXX XXXX XXXX XXXX, NY XXXX. At the time I deposited the check I was told that if I leave the funds in the account for 90 days I will receive {$1000.00}. After this promotion was verified by the supervisor, I accepted the terms. 90 days has past and I called to see how do I retrieve my {$1000.00}. I was told that I need to have a promotion code in order to get my money. I was not told that i needed a code in order to take part in the promotion or to recieve my money at the end of the promotion. I have tried to get in contact with the branch supervisor and manager and have not recieved and response from them. 
Citi saving 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 2020-12-17 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: TX

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX USAA requested proof that the Court Bond was real and needs to stay on the HUD. We provided that. They are now saying they want it removed from the HUD regardless of the order given by the court to have it paid. -- -- -- USAA is trying to force the alteration of the terms of the short sale that the 1st XXXX  would be accepting. USAA is the 2nd XXXX and this is a short sale. This is NOT ACCEPTABLE!! They can either take the funds offered to them by the 2nd XXXX or they will get NOTHING if they try to force this into foreclosure. There is no option where they get to tell the 1st XXXX  what they can and can not accept nor try to force an alteration of the terms on the HUD. 

When confronted with this, USAA asserted their policies supersede federal and state law. *****This is illegal on both a Federal and a State level. 

Their XXXX needs to STOP!!! They do not get to dictate terms for the 1st XXXX   nor do they get to create their own laws. 

I want the USAA to move past their issue with paying the Court Bond on the HUD and for them to move the short sale forward appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Attempt to refinance loan to lower Interest only. Tried to work with Chase from XXXX XXXX Finally in XXXX of XXXX we were able to refinance with XXXX XXXX  and pay off Chase at the high interest rate of 7.8 %. Both my husband and I have great credit so have to think our last attempt to reach out to Chase several times ( I have reference letters to attach ) was due to our age??? 

Sent Chase letter of complaint XXXX since XXXX XXXX  offered us a rate of 3.25 % XXXX closing costs of {$1700.00} the only way we could get out of this high interest rate. 

Chase responded XXXX and stated they would have answer/updated by XXXX. 
As of XXXX no update.

Company response to consumer: Closed with explanation