vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE ACCOUNTS ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. " ANY BAD DEBTS FURNISHED ON YOUR REPORT IS RUINING MY REPUTATION AND ITS DEFAMATION OF CHARACTER '' I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have no idea what this is for. Have not received any information about what its for from Phoenix financial or who is listed as an original creditor. How is this allowed to effect my credit when I HAVE NO IDEA WHAT IT IS. Says XXXX XXXX XXXX XXXX?? I have not been treated there in years. Is this for my adult daughter who may have been treated there and you somehow attributed it to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UMB FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been attempting to close checking and saving account since XX/XX/XXXX, including calling, sending secure message from online banking, and written letter to close accounts. Bank has made it nearly impossible to close the account and is now levying fees as the fee waiver requirements are not being met as all monies have been removed from the accounts in anticipation of closure,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX. I am in the United States XXXX. Im a XXXX in the XXXX. I have been in for 14 years. I recently was scammed by possibly two persons. One person is from the state of Florida. 

I was looking for a house rental here in Hawaii and I reached out to a person by the name of XXXX XXXX XXXX. The listing was located at XXXX XXXX XXXX XXXX. XXXX, XXXX Hawaii. The unit was fully furnished, and the rent was {$1600.00} with a security deposit of {$1500.00}. I was told the unit wasnt available for viewing until the XX/XX/XXXX. I was then told to send over the money via PayPal as a downpayment, but I was able to retrieve my money back in the event I was dissatisfied with the listing. I stupidly sent the money over, via PayPal as instructed ( totally {$3100.00} ). I then began wondering a lot more questions and became suspicious. Unfortunately, the money was already sent to the user. The money was sent to the owners/landlords ( XXXX XXXX XXXX, XXXX ), his daughter, XXXX XXXX. I was able to find information on XXXX. She lives at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I found a number on file as well : XXXX. The email associated with XXXX PayPal account is : XXXX. I wasnt able to find any information on the XXXX XXXX person. However, he has been emailing me constantly since I contacted PayPal to try to retrieve my money back. Unfortunately they said they were unable to assist me as when I sent the money using friends and family it voided the Buyer Protection. I contacted my bank XXXX XXXX XXXX to try to refund my money. The investigation is still pending. I have gathered enough information to go to the local police, however, since the information for XXXX XXXX says shes located in Florida, I wanted to also make a complaint/fraud report on her. 

I believe either XXXX or XXXX may also have a XXXX XX/XX/XXXX account, the information is as followed : Bank Name..XXXX XXXX Account Name..XXXX XXXX, XXXX Account Number..XXXX Routing number ... XXXX Acct type ... CheckingBank Address..XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX I have all the documentation to prove what I am talking about. 

Can someone from your department, please send me a confirmation email you received this notice? If you require any supporting documentation, I wont hesitate to send it over. 

I want this scammer to be stopped. I am currently out of {$3100.00} and have to wait for my next 2 paychecks to save up enough to find a place to rent. This has caused me a great financial hardship. 

If you need to contact me, my information is in the signature block. 

v/r XXXX XXXX XXXX XXXX, SC United States XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 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: DISCOVER BANK
State: NJ

Complaint narrative:
I applied for a Discover Card with a credit score in the 720s. I am planning on starting a family soon, and I wanted to get a card that I could use for groceries and gas to start building my credit score. I was accepted almost instantly. They sent me the card in the mail. I called in to activate it. The agent said they would activate once they got back an XXXX IRS verification form that he emailed to me. I filled it out and was sent verification that it was completed. Two weeks later, I got an email saying discover closed my account and my credit score could be affected. I checked, and my credit score had gone down to the 680s. I called Discover, and they told me that they sent me two verification forms that they never got back and, as a result, they closed the account. I never received these forms. Ive kept every document ( physical and virtual ) Ive recovered from Discover and these forms are not in there. Additionally, they said an agent told me to upload bank statements. No agent told me any such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: NY

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scammed out of {$600.00} for a puppy that was promised, and was never delivered. Over the last two months since XXXX, I've sent {$200.00} every month to secure the puppy through XXXX XXXX. Once the puppy was never returned I requested refunds from the people who stated they had the puppy, and was turned down. XXXX XXXX states that there was nothing they can to do but to make a police report, and call my bank. I immediately filed a claim with Chase Bank on Monday XXXX just to find out today my claim was denied. I am out of {$600.00} during a pandemic and was trying to get a puppy for my daughter for XXXX and is extremely frustrated. I just want my money back to find a puppy for my daughter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: ClearPath Lending
State: SC

Complaint narrative:
The loan officer XXXX XXXX XXXX @ Clear Path Lending ) did not send a disclosure statement of our loan costs. Several of the documents were different from what we originally signed. Closing costs and fees were higher than what we agreed to. Fees were added to reduce points that I did not agree to nor was made aware of. The Loan Officer ( XXXX XXXX XXXX explains that I was informed of the fee and I signed a disclosure form. I was unaware of any fees associated with buying down points. My credit score is high enough that I do not need to buy down points. I further explained that I would have never agreed to buy points down on a loan because I am very frugal. As a Veteran this is a major issue and seems to be dishonest and unethical. 

Initially XXXX in XXXX XXXX I asked the loan officer for a break down of all the costs ( I asked for a disclosure statement ) and he explained that a disclosure would be sent at a later date. He also explained that only the final disclosure mattered and all others were just estimates. When XXXX sent the disclosure he had added {$3600.00} so we could buy down our rate to 2.25 %. I did not agree to buy down our rate. I was told that our rate was XXXX based on my and my wife 's credit score. My wife has close to an XXXX score and my score is XXXX or higher. His practices do not seem to be in alignment with what he told me. 

Lastly, I contacted the Loan Officer and left his supervisor XXXX XXXX a message that there were discrepancies on our documents. The Loan Officer emailed the disclosure documents at XXXX today XXXX. We should have received the documents 3 days ago. The documents according to the date ( on the disclosure ) were ready XX/XX/, yet, we did not receive them. The Attorney was here at our home at XXXX and presented us with documents that we have never seen. This is problematic and unethical.

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 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In XXXX I opened a XXXX XXXX account and noticed I had a few delinquencies. In which 3 out 4 are not mine. I was able to successfully dispute 2 due to identity theft. In XXXX I had a significant other who I believe got a hold of my information and started opening accounts under my name. As I started tracing these accounts I found a lot discrepancies. Wrong name spell, unknown incorrect address. I have been trying to dispute with LVNV funding for the amount of {$3600.00}. I've sent several letters of dispute, obtained a police incident report, asked for more information. They've only sent me a billing statement in which none of the information was correct ( unknown incorrect address ) all charges tallying to the amount owed was done in month. I have looked over the statement and none of the charges are familiar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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:
Hi, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello I sent A Dispute letter to Experian regarding the credit inquires and charge off on my credit report they have done nothing about removing the items that are fraudulent. They I make a dispute and its done in five minutes saying the information is accurate.

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 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have a settlement agreement for less than amount owed. USAA refuses to update my credit after I paid the settlement amount and it cleared my bank. They refuse to acknowledge the settlement agreement letter and keep incorrectly reporting after disputing. I held to my end of the settlement and balance owed should be XXXX dollars and the comments should reflect settled debt for less than amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Identity Theft on XX/XX/XXXX Person created fraudulent account on Experian.com, using fraudulent e-mail address. They were able to down load my credit report to fraudulent e-mail address and proceeded to use credit information. 

XX/XX/XXXX - Discovered fraudulent activity on my personal bank and checking accounts. 
XX/XX/XXXX - Closed all bank accounts. 
XX/XX/XXXX - Mailed complaint of fraudulent e-mail address to Experian Fraud Department, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX - Received Experian report # XXXX XX/XX/XXXX - Unable to connect to an Experian a live customer service agent at any of the following phone numbers : XXXX or XXXX or XXXX or XXXX. Automated menu, no option to reach an agent. ( Attempts on many other days ) XX/XX/XXXX - Fraudulent e-mail address still associated with Experian account. No response from Experian and unable to contact via phone. 

This is very dangerous activity by Experian. The company collects sensitive credit information and allows fraudulent accounts t be created with just a few pieces of personal information. Then enacts no remedy when fraud is discovered. 

If you personally have not created an account on Experian, I recommend doing so now. Experian does not directly notify consumers they are collecting your credit information, and they do not advise you directly to open an account, or provide any warning that if you do not open an account this exposes you to fraud. You must create a user name and password, or anyone with your social security number and DOB can steal your information. This is also true of XXXX, XXXX and XXXX, and incidentally on the Social Security website as well. As far as am aware, these agencies do not inform people directly of this necessity.

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 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I HAVE SENT THEM NUMEROUS CERTIFIED LETTERS REQUESTING VALIDITY OF THE DEBT THAT IS STATED I OWE ON MY CREDIT REPORT FOR THE AMOUNT OF {$2400.00}. I'VE SENT THEM LETTERS IN XXXX, XXXX, XXXX, AND XXXX. THEY WERE REPORTING TO ALL THREE CREDIT BUREAUS INITIALLY, BUT IN XXXX THEY ONLY REPORT TO XXXX. I HAVE TRIED NUMEROUS TIMES TO SPEAK WITH THEM AND THEY HAVE FAILED TO RESPOND TO MY ANY MORE OF MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: DC

Complaint narrative:
As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX  XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.

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 2020-12-02 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: DC

Complaint narrative:
As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX  XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.

Company response to consumer: Closed with explanation