vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE REQUESTED DOCUMENTS THAT THE BUREAUS HAVE IN THEIR FILES CONTAINING MY WET INK SIGNATURE TO VALIDATE THE ACCOUNTS LISTED BELOW, I AM SUPPLYING THE IDENTITY THEFT AFFIDAVIT AND THE POLICE REPORT THAT SHOWS THAT THESE ACCOUNTS ARE FRAUDULENT, I DEMAND THE BUREAUS ABIDE BY THE FCRA LAWS PUT IN PLACE TO PROTECT THE CONSUMER, PER SECTION 605B ALL FRAUDULENT ACCOUNTS SHOULD BE REMOVED AND DELETED WITHIN 4 BUSINESS DAYS, NEITHER HAS BEEN DONE, THEY JUST LEFT A STATEMENT ON MY REPORTS. IF THESE ACCOUNTS WERE OPENED IN 2015 AND ARE GOVERNMENT STUDENT LOANS, HOW ARE THEY JUST NOW BEING ADDED TO MY REPORTS, I HAVE NEVER LIVED ANYWHERE CLOSE TO XXXX, GA!!! I HAVE NEVER LEASED AN APARTMENT IN XXXX. 

XXXX  U S DEPT OF ED/XXXX # XXXX {$16000.00} U S DEPT OF ED/XXXX # XXXX {$3300.00} U S DEPT OF ED/XXXX # XXXX {$5100.00} EQUIFAX XXXX XXXX XXXX  # XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC
State: PA

Complaint narrative:
I received the mail a letter from Low VA Rates LLC offering me {$250.00} if they couldn't gt me a better rate than I have offered. They offered me a 1.8 % rate on a 30 year fixed rate. I have a 1.75 % offer. They refused to honor their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
We have 3 credit cards through Barclays, 2 Juniper cards and a XXXXXXXX XXXX XXXXXXXX card. I have a online account that has one Juniper card and my wife has a online account with the other juniper card and XXXXXXXX XXXX XXXXXXXX card. My account has restrictions do to security issue and my wife 's account is locked do to a security problem. The number to call puts us on a long wait and when we get through they transfer us to security where we wait again and then to a so called fraud specialist which really ends up to a automated balance information on the card and then starts all over after asking what we are calling about. We have spent over 2.5 hours on the phone over a security issue and no one is addressing it. Big red flags for us! We can't pay, we have no statement because we are paperless. We are beyond frustrated and are concerned about what is going on with the account.

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
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to Continental Credit Control. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item Continental Credit Control is inaccurate because the balance was paid to the vendor and 2 months before they contacted the credit bureaus. This is totally illegal as I received nothing from them and have tried on numerous accounts to contact them and they have not responded. For a few lousy bucks they received, or didn't, they affected my credit and didn't contact me ever. I am requesting that Continental Credit Control have the item removed. It is invaid and incorrect, they have inflicted fraud on my account. 
Enclosed are copies of my credit report and payments made supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX : ID, CR, and paid invoice to Vendor paid in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have been impacted by COVID due to job loss, reduction in pay initially, and loss of my job as of XXXX of 2020. 

I entered into a forbearance in XXXX of 2020. On XX/XX/XXXX, my home sustained substantial damage and loss of all personal property during the reported ice storm in Texas. My personal property was damaged significantly by a total of XXXX bursted pipes. I did have insurance and began the claims process immediately. XXXX XXXX is the primary coverage and has favorably made payments to both myself and the mortgage company ( Carrington Mortgage ) to properly repair the home. 

Carrington mortgage has delayed and denied release of funds after all proper documentation has been provided in attempts to resolve unpaid payments that are under a forbearance. 

With each step towards completion, all XXXX and receipts have been submitted and Carringtons loss draft department claims the review will be executed within 5 business days. Each time the response is that they dont have proper documentation. 

Ive had to stay on the phone multiple days and hours to guide the intake representative through email correspondences that contained the necessary information they claimed did not exist. 

Ive been out of my home for more than 6 months, whereby all could have been completed months ago with funding provided timely. 

With each delay they claim theres a 5 day turnaround, then they add additional days because they didnt find the necessary that were and proof can be provided that was already sent via email correspondence. 

It is believed that the mortgage company is attempting to reserve funds to pay the mortgage bill versus repair the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: MD

Complaint narrative:
i Have Spoke with Transunion for 8 months straight about fraudulent/unauthorized inquires on my report that were not authorized by me and they will not remove the inquires, i have spoken with over 20 different representatives and sent more then 9 letters and they will not remove the unauthorized inquires on my report. 

date XX/XX/XXXX1 usps tracking number XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX usps tracking number  XXXX XXXX XXXX XXXX XXXX XXXX the rest of the letters were sent by regular mail with a XXXX stamp

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I opted for an online college as I had been unsuccessful with on-campus college due to struggles with severe XXXX which I undergo treatment for. 

I was misled in terms of how long my program would be, how much the program would cost in total, how easy it would be to acquire a job upon graduation, the job titles and employers for graduates of the school, and how much I would be able to make on graduation. 

Loan forgiveness paperwork has been filed and has been on file since XXXX, as a result, all of my federal loans are on hold until they review my case. XXXX however additionally took out private loans that are not placed on hold and this is why I'm here. 
The school has since closed and there are countless and similar claims of XXXX 's illegal marketing Activities. Attached I've included links to various trials and instances of debt relief due to the school 's misleading actions. 

Upon graduation, I received not one interview and worked at minimum wage jobs, and looked at community colleges. My debt is XXXX and this total was not revealed to me until graduation. Attached you will find the information XXXX XXXX did give me. The career I was in pursuit of barely makes XXXX a year on average. My life, freedom, goals of a family, and hopes of overcoming obstacles created by XXXX were shattered. They still are to this day as nothing 's changed it's just frozen. 

My monthly required payments amounted to at least {$1000.00} a month. I worked part-time and went back to school while living on food stamps ( see attached my XXXX document )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
At around XXXX I called Aldos and Associated debt agency to inquire about a current debt that was on my account. I spoke to a female and explained to her that I have no knowledge of this debt ( XXXX XXXX  ) and I am unsure why is it in collection when I have a open and current active membership. I felt she was unable to explain to me so I asked if I could speak to a supervisor. The supervisor I spoken to was XXXX XXXX. I explained to him the same situation and he made comments " I cant track when you go to the gym " " it shows no payment since XXXX " " we don't keep trackers ''. I then explained to him again I understand if was there anyway I could get my debt reduce etc because its COVID we are in a pandemic and I couldn't afford to pay the full debt amount. He then stated he don't do settlements. I then asked could he email me stating that they don't do settlements and can I get a copy of this recording as I wanted to see the appropriate document in which stated that. ( I asked for this because I worked with this debt collector in the past in which they was able to do a payment plan with my account ). I was simply a citizen asking for professional help during this hard struggling time of the pandemic time of covid. The supervisor was dismissive, stated things that was untrue, and was not even open to helping me the best way he could. He hung up in my face and did not send me anything that I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CO

Complaint narrative:
Ive sent two dispute letters to investigate and remove unauthorized inquiries. I asked for proof of my signature requesting credit from the alleged creditors and its been over 60 days with no response or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi CRA ; CFPB ; Please see the attachments below and you will notice why I'm so sad right now. It's no way that these accounts were previously investigated based on my request. They've failed to comply with my request as a consumer and they continue to report those items with multiple inaccuracies, incomplete, misleading and inconsistent with payment history, different and questionable balance, past due amount on collection accounts, etc. I believe some of these accounts pointed out were involved in previous litigation and they must be removed from my credit report. I'm stressed and i'm getting alot of anxiety seeing my request going neglect. Also, The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they arenot reportable as per the FCRA, since they are inaccurate. 

******NON-COMPLIANT NO PROOF OF TRUTH!!! DELETE! FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law XXXX XXXX : Account # XXXX ; COLLECTION Account # : XXXX, XXXX : Account # : XXXX, XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX *****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: WA

Complaint narrative:
Well over a year ago, I closed my account with XXXX XXXX. I do not remember the exact date, but when this account began to show past due, I called XXXX XXXX and they, in fact agreed that I had closed my account. Prior to that, I had allowed the company XXXX  to automatically charge their annual fee to XXXX XXXX, when I got the notification that XXXX  would charging their annual fee, I called them to cancel my service. Again, I do not remember the exact date. I do have a subsequent email I sent them cancelling my account, but they continue to send me updates to this day, even though the email notes I cancelled my subscription, as if I do have a current account with them. ( Copy of the return email from XXXX attached. ) On my phone call to them, XXXX XXXX agreed that I closed my account and that they allowed a charge to an account that no longer existed, but that it was my fault that I hadn't notified XXXX, which I had. 

I asked them to review the situation, and they said they would. I got a form letter stating that they had reviewed the charge and found it to be proper, DESPITE the fact I didn't HAVE an account with when the charge was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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:
I XXXX XXXX am a natural person and a consumer of the US. I recently reviewed a copy of my consumer report and noticed XXXX unauthorized inquiries. The fact that these inquiries are reporting is fraud and identity theft. Attached to this complaint is the letter i sent to Equifax along with identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: IN

Complaint narrative:
On or about XX/XX/XXXX, I went in my mobile banking app to see my balance. I had XXXX, I thought, until I opened my bank statement online. I looked and it showed XXXX, XXXX, XXXX, and XXXX taken out from cash app. On same day.Leaving me with XXXX balance. I notified my bank, fraud dept. They said we will put ur XXXX back in ur account ; however, if after investigating we find nothing, we will take XXXX back out. 

So on XX/XX/16 I had XXXX in account. Well, I looked later, I was overdrawn XXXX. The bank withdrew XXXX out of my checking saying Cash App said I authorized, which is a lie. So, luckily my brother put in XXXX to cover overdraft. 
I called branch mgr, she said bring in ur XXXX. My brother said im going in with you. The manager said we can pull history transactions from cash app. So, mgr printed off history transactions. The historys did not show the XXXX that was taken out of my checking, but my bank statement specifically showed cash app transactions. 

So, the manager sent history statements to fraud/ investigative dept for 2nd investigation, but mgr said on 2nd investigation, they will not put XXXX back in while investigating. Its been over 6 weeks, my bank has not notified me of anything. Im so upset, I did not authorize. I said why would I take out XXXX and leave myself with XXXX in middle of month? Plus, why didnt bank ask for historys in first investigation. They were ok with Cash App saying " she authorized '' with no proof from Cash App. 

My brother said the way bank went about this is bad business. Im on Social Security, so I get paid on XXXX of each month. 

I read where guy had same problem and he couldnt get his money back. It said u went straight to Cash App and they put money back in his account. 

I have seen cash app is the worse app to be exposed to getting ur account hacked. I use XXXX now with my bank. I used cash app to send payments, I advise everybody, DO NOT USE CASH APP to send money. 

I lost money that I needed, it has gotten me financially in a bind. 

Anything u can do to help me get my money back, will be deeply appreciated, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In XX/XX/XXXX my wife and I were separating and as part of that process wanted to transfer the financial responsibility of our home over to me so she could purchase a home. We spoke with a mortgage representative at Wells Fargo and explained the situation and they agreed to help us refinance so everything was in my name. In XXXX of XXXX I attempted to refinance the home only to find out that they never transferred the title to the home only the mortgage over to me. I was denied the refinance due to the fact that I do not own the home. I contacted Wells Fargo and after 3 months they finally told me that no request to transfer the title was made at the time of the refinance and that it was my responsibility to correct the issue. I currently have a mortgage with Wells Fargo in the amount of {$170000.00} on a home I don't own and they are unwilling to assist or take any responsibility for that. I don't know if I have any legal recourse in this matter and would appreciate any help I could get.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This company reached out to my boyfriend after he added me as a signer on his account. When they made contact with him they told his they needed to speak to me when he said he was not me. They told him that owed them over {$600.00} and that they needed to talk to me. He is not my husband or related to me he is my boyfriend. He was not someone I wanted to know if I do or dont owe them money.

Company response to consumer: Closed with explanation