vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 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: AR

Complaint narrative:
I called network to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the XXXX XXXX account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax site is down and has been down for almost a week. Can not access logins, credit freezes, nothing. Called, could not get through, waited on phone for 2 hours. Please tell Equifax to fix their site and allow quicker access to representatives. Need to lift freeze immediately. Thank you. XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive sent multiple disputes to the credit bureau via mail. I sent them all certified mail and I have return receipts. I have spent a lot of money just trying to communicate with them however they have not given me any help. I asked them for proof of verification and they havent responded to me at all. Its been well over 30 days and Im just trying to fix my credit so I can live a normal life. The accounts on my report are unverified.

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 2020-06-08 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: CA

Complaint narrative:
Ive sent multiple disputes to the credit bureau via mail. I sent them all certified mail and I have return receipts. I have spent a lot of money just trying to communicate with them however they have not given me any help. I asked them for proof of verification and they havent responded to me at all. Its been well over 30 days and Im just trying to fix my credit so I can live a normal life. The accounts on my report are unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have formally requested that capital one bank USA validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line.

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MN

Complaint narrative:
I am filing a complaint in regards to Caliber Home loans and their management of my escrow account. It is absolutely inexcusable that I have lost my homeowners insurance policy because they failed to mail the check from escrow account in time to be cashed by my insurance agency. Then I am being asked to spend my own money to cover the period in which I am uninsured? What is the point of an escrow account! I have made EVERY mortgage payment on time and should not be dealing with the leg work of sloppy mortgage companies. When I called Caliber to attempt to resolve this issue myself they were incredibly unhelpful and did nothing to make me reassured that I was a valued costumer and that my home was important to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile.

Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2020-06-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile.

Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2020-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: AZ

Complaint narrative:
My buyer was dealing with City Worth to process a VA loan. We had a 45-day contract and it was not until the end of the contract we found out the lender had not finished the process. They had not been waiting on anything from the borrower. The lender contacted us repeatedly begging for me to sign an extension stating it was there fault. It took 21 days to finally close. However, I was not made whole and they took an additional 3 days to fund the purchase! 

What I mean about not being made whole is I had to pay an additional 21 days of mortgage interest because they could not process the loan due to their repeated mistakes. When I asked XXXX XXXX of City Worth XXXX about this, he said it would be worked out but attempted to go back to the buyer and redo the loan putting that amount on the loan. Other words making the buyer pay for their mistakes. I did not let that happen as it would have been an additional 30 days he said. 

I believe the lender is in violation of Regulation B and is responsible for covering all our closing costs, extra interest due to the late closing and any related fines, penalties and hardship to us.

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 2020-06-08 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: PA

Complaint narrative:
Equifax refuses to send a complete credit report with all pages. As well as the credit score. I'm also filed with the Department of Justice as well as the US Attorney office

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: DC

Complaint narrative:
Gift Card Distributed by Blackhawk Network California , Inc. 

Card # : XXXX exp XX/XX/XXXX cvv XXXX Original Value {$200.00} Card was used to make purchase on XXXX XX/XX/XXXX for {$160.00} Items were returned and XXXX issued credit back to card on XX/XX/XXXX At that point the card stopped working. I contacted the company, which is quite difficult to do. I did speak to a representative who acknowledged that the money was returned from XXXX, but due to the fact that this is a gift card the returned funds cause the card to be turned off. The agent said that they could reactivate the card with the XXXX added back on and gave me a confirmation number XXXX. I was told that someone may reach out to me to discuss the issue, but was assured that the card would be reactivated. 

No one reached out to me, the card still does not work, and now when I call the customer service number on the back of the card I keep getting disconnected before I can speak to a representative. I believe that this is a predatory practice and they have no intention of reactivating my card and giving me access to the funds that they acknowledged are due to me. 

Thank you in advance for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 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: NY

Complaint narrative:
XXXX XXXX XXXX reported to TransUnion on XX/XX/XXXX that my auto loan account was closed and charged off. This closed status has remained on my credit report since then. I still continue to make payments on the vehicle I continue to have possession of. 
I recently checked my credit report and XXXX has now re-aged the closed account date to XX/XX/XXXX. This is a violation of my consumer rights and a violation of the FCRA. XXXX XXXX XXXX is Re-Aging the account to appear as though it is a newly closed account. The account just reached it's 2 years closed mark. I will continue to use my previous credit reports and supporting documentation to fight against this violation.

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 2020-06-08 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: Fidelity National Information Services, Inc. (FNIS)
State: KS

Complaint narrative:
ChexSystems has now had 2 previous reports with CFPB filed against them relating to finromation that is being reported by XXXX  XXXX XXXX. In their most recent letter they have provided a signature card, but the signature card has nothing to do with my account that i am supposedly responsible for. Therefore, as per the FDCPA I demand that this information be rmeoved from this 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 2020-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have an AMEX Bluebird account with exactly {$440.00} USD in it, and about a week ago I could not log in and when I called, they said that my account was suspended for no apparent reason and no email was sent to me. All I would like to do is get some form of check for the remaining balance on my Bluebird account and then I will be done with this business. Please give me my money in my account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar Mortgage ( NSM ) began servicing my loan on XX/XX/XXXX. My loan had an impound only for property taxes. However, on XX/XX/XXXX, NSM paid my homeowner 's insurance of {$730.00}. I called NSM and told them my homeowner 's insurance was not part of the impound account. NSM agreed, but stated they could not reverse the payment. On XX/XX/XXXX, I received an Escrow Stmt. revising my payment to include the escrow pymnt made in error, plus and additional {$730.00} for a future pymnt on XX/XX/XXXX. I called, and NSM agreed the future escrow pymnt was incorrectly included. On XX/XX/XXXX, I received a revised Escrow Stmt. The escrow stmnt listed a shortage of {$490.00}. If I paid the shortage prior to XX/XX/XXXX, my payment would be {$2100.00}. If I didn't pay the shortage my payment would be {$2100.00}. I paid the shortage of {$490.00} on XX/XX/XXXX. However, on XX/XX/XXXX, I received a statement showing a payment due on XX/XX/XXXX of {$2100.00}. I called on XX/XX/XXXX and XX/XX/XXXX, and I am unable to get NSM to either reduce my payment to the correct amount of {$2100.00} or refund me the {$490.00} I paid for the escrow shortage. By NSM accepting my escrow shortage payment of {$490.00} shown on their escrow statement and charging me the higher payment amount of {$2100.00}, I am being double-charged for the escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: GA

Complaint narrative:
Both Experian and XXXX are in violation of the FCRA section 609, advising that verifiable proof must be provided when requested if consumer is disputing the accuracy of information listed. I have sent several disputes the latest being sent XX/XX/XXXX via certified mail asking them to abide by the laws and show proof of a Chapter XXXX Bankruptcy listed. I sent in proof from the XXXX Georgia Bankruptcy court that they do not provide any information or verification to any credit bureaus. I also contacted XXXX XXXX and confirmed there is a freeze currently in place that prevents ANY third party from obtaining any credit or financial information, including public records. The notice I received from bothExperian and XXXX on XX/XX/XXXX states that they verified this information with Lexis nexis and that is not true ( see screenshots from XXXX XXXX   ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
on about XX/XX/20 purchased computer table on line through PAYPal Service Inc money was debited from my XXXX XXXX XXXX Account debit card in amount of {$50.00} cents. The item was never delivered to home. Contacted Paypal numerous times VIA internet they leave you on hold long periods of time and have poor customer service to assist customers using Covid 19 as a flaw not to respond or refund customers money.

If you don't receive and item and have paid for service or item and the company refuse to send or delay item or will not provide information on shipment. Then this is fraud. 
Sincerely, XXXX XXXX XXXX XXXX XXXX ct XXXX Il XXXX Paypal inc XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX Reciept no XXXX XXXX Support Team Merchant

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 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: CURO Intermediate Holdings
State: UT

Complaint narrative:
A change on my credit report came in under XXXX ... Origional creditor was speedy cash and it was open in XX/XX/XXXX. I have not had a single payday loan since XXXX from anywhere. However my ex has been pulling random loans including a student loan in my name. I sincerely believe this is an act of fraud and do not have ownership or knowledge of this account. I also live in Utah and have lived in Utah since XXXX where most places will not allow online loans in Utah for some reason. The last loan I did was a title loan from XXXX XXXX XXXX and it has been paid back in full since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
Never had heard of Cashnetusa was in between pay days when it was a death in the family. Had to go out of state to XXXX CA. In the past I had taking out a loan with another company who give me the payoff. I paid it that was that. Well I guess Cashnetusa got the information when I was taking out the first loan. Because they put XXXX in my account. I called them and said take it out of my account which they did no problem, so when I need to get more money I thought about the first company. which found it they just did loan with jewelry companies. So I went on online reach out to Cashnetusa monies So Cashnetusa said the XXXX would be in my account the next day which it was, I never signed anything with them. Each pay period it was different amount of monies. So the end of XXXX I called and said this loan should have been paid off. Was told that I still owed more monies and now I owed XXXX dollars. Which was crazy do to fact I had paid over XXXX. Already now was not sure what to do so I made a few more payments the last one was the end of XXXX. I paid XXXX on a XXXX dollar loan. Now as of XXXX the account is closed. I will not pay them another dime. Cashnetusa are predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: DISCOVER BANK
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified this Discover Bank several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to DISCOVER BANK, XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. DISCOVER BANK, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
On XX/XX/2020 I made an online purchase from what I thought was a XXXX affiliated website for an XXXX XXXX for {$300.00}. After the purchase I grew suspicious of the deal and quickly figured out the site was a scam ( the site was taken down within two days of the purchase, but the URL was later purchased by XXXX and now serves as a redirect ). I filed a fraud ticket with First Tech Federal Credit Union ( #  XXXX ) including copies of fake confirmation emails. By the time the credit union researched my request, they were unable to find evidence since the URL had been repurchased/remapped to the real website and hence denied my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: AR

Complaint narrative:
I keep being put in collections {$340.00} from XXXX XXXX XXXX XXXX. I prove to the collection agencies that I paid them and they drop the collection. 
I am once again in collection. 
My finale bill after move out was {$340.00} XX/XX/2017. 
On XX/XX/2017 I paid {$50.00}. 
On XX/XX/2017 I pain {$100.00}. 
And on XX/XX/2017 I pain the final amount of {$190.00} for the total of {$340.00}. 
Hunter Warfield is the collection agent Acct. # XXXX XXXX XXXX XXXX  acct. # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief