vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent a letter to the credit bureaus XX/XX/2020. I have not received any results yet. It has been over 60 days. That is a voilation. I demand for those accounts to be deleted at once. I feel as if they are taking advantage of me and not taking my request serious. I also sent a complaint through consumerfinancial.gov/complaint a few weeks ago. This is my second attempt to send a complaint. I received a letter from you saying you threw out my last complaint for not identifying myself. I am Who i say I am.

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 2021-01-05 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: LA

Complaint narrative:
I was so stress since Ive sent disputes last XXXX.2020 regarding to those inaccurate and unknown account that I found on my credit report but its almost 90 days today but I haven't received any response. I demand to Remove it ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Multiple fradulent charges appeared on my citibusiness card. The company XXXX citi XXXX discovered this, informrd me and reversed the charges all of which occured in XXXX. Subsequently, XX/XX/2019, I received a statement requesting a payment of {$270.00}. I had not made any purchases. This amount was carried over from the fraud in XXXX or from the foreign transaction fees that were associated with those purchases.I spent many hours on thr phone attempting to resolve this matter, Was assured it would be rectified.the next ststement, XXXX, still asked for payment of {$170.00}. I had made no purchases. I had cancelled the credit card. Again spent hours on the phone to resolve. Was told charge would be removedXXXX statement came with amount due now {$210.00} having added penalty.Again called to resolve. No progress.XXXX bill arrives asking to pay $ XXXX.More phone calls and assurance it would be addressed. XXXX statement comes with {$300.00} due. Phone call to their security XXXX XXXX XXXX XXXX ) reveals case closed no action being taken. Citibusiness card ending XXXX reissued after fraud ending XXXX. Now cancelled. Name on card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl, 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 monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I was sent a collection attempt for an alleged medical debt from Revco Solutions in the amount of {$150.00}. On XX/XX/XXXX I had emailed their management office a request for them to provide supporting documents from the original creditor to substantiate the medical debt. I was very detailed in my request and explanations to the company. On XX/XX/XXXX Revco solutions sent me another letter and collection attempt for an additional {$120.00} and refuses to provide the requested documents to substantiate the alleged medical debt. my name which is unique is often confused with other people named XXXX or XXXX. I do not recall any treatment or date of service on the dates they have listed. I have requested a copy of my signed consent for treatment and billing and other financial assistance documents. I have full medical/medicaid insurance and I feel that this is a fraudulent billing attempt. Instead of the company providing the requested documents and proof of the debt being valid they think I should send them proof I paid the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I bought a condo in late XX/XX/XXXX. Within a couple months of closing, my mortgage was sold to Freedom Mortgage. 

I have paid the same monthly amount for almost XXXX years. I have never been late, as the loan is an automated ACH payment from my bank account. I do not have an escrow account as I pay insurance and taxes outside of At some point in summer of XXXX, Freedom Mortgage contacted me regarding insurance coverage via mail. As I already have insurance coverage, I disregarded the notice. What apparently happened was I misunderstood they needed proof of my coverage. They did not contact my insurance agent. They did not call or email me for additional information. 

Instead, they applied an insurance coverage over twice as expensive, but no more thorough, than that which I already had, and determined it needed to come from escrow, so they considered me in negative escrow, driving up my monthly payment. I was not aware of this. 

My insurance company, meanwhile, was providing updates to XXXX XXXX, the original provider of the mortgage. 

By the time I understood this, I think in XXXX, I started following up. I was not getting my mail regularly during the fall due to staying in a remote area due to Covid, and my mail not getting forwarded. 

By XXXX when I got reconnected to my mail ( again, no call, no email in the interim ), Freedom mortgage had - reported me negatively on my credit report, causing my score to drop not only below XXXX for the first time i believe in over a decade, but BELOW XXXX, which means i am unable to get good rates on anything - continued to collect my monthly payments but NOT APPLY THEM TO MY MORTGAGE - instead holding them in an unapplied payments 'bucket ' - put me in collections, considering me over {$4000.00} in arears as of XX/XX/XXXX On XX/XX/XXXX, I provided, via email, to Freedom Mortgage, proof of ongoing insurance coverage and no gap for the last two years. In addition, I asked to have my credit restored, my payment returned to its monthly amount prior to this, the escrow eliminated since I do not owe it, and the payments they have been holding, PLUS THE INTEREST earned on them applied to my balance. I have not heard back from them. 

I am now unable to refinance at a lower rate or from a more reputable company due to the issues they have created with my credit report. I am astounded.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has illegally and falsely placed an Bankruptcy on my consumer report..I have asked transunion several times to validate the account..THEY HAVE FAILED. I asked them who was the furnisher of this account and they told me it was the BankRuptcy Court ... This is a lie, as I have contacted them and they do not communicate directly with the courts. Transunion is using data which I never gave permission to use from a third party company such as XXXX XXXX or public records database which is not only not accurate but they are not obtaining thin information directly from the original furnisher..This is a violation of my consumer rights and I DEMAND MONETARY Compensation for 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 2021-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo has locked me completely out of my XXXX account while they switch vendors. I am not able to allocate my funds at anytime during a 2 week period. If the market fluctuates, I have no control over my retirement funds. This is unacceptable.

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 2021-01-05 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: Colony Brands, Inc.
State: LA

Complaint narrative:
On my XXXX account XXXX  is reporting XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 as late. I spoke with XXXX credit department and I was informed that they did not report that to XXXX. I spoke with XXXX at XXXX  who stated they received the information from XXXX. I would like for this to be looked into b/c it appears that XXXX  is reporting inaccurate information. XXXX as well as XXXX  have the correct information. I did file a dispute but I would like to insure that the inaccuracies are taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Back in XXXX I sent 2 XXXX payments XXXX XXXX! She has A chase account I have XXXX  my complaint is with Chase fraud service! 
XX/XX/2020 I sent her XXXX conf. # XXXX Chase blocked the transaction but hasn't returned my XXXX as of XXXX XX/XX/2020 I sent the XXXX again conf. # XXXX it was blocked again! Chase still has not returned this XXXX! 
She has talked to them I have talked to them multiple times as well! There response was well we have up to 45 day to return the money! Company policy! Not good since it was a XXXX transaction it should've been returned immediately! I am still waiting for my money to be returned! How do I give them a negative mark on their credit for nonpayment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
Received a letter about unemployment insurance personal identification number. However, I did not submit an unemployment claim. I contacted Colorado Department of Labor and Employment at coloradoui.gov and reported the fraud online. I also called XXXX  and went through their process to put a fraud hold on my social security number with XXXX who informed me they would contact XXXX  and XXXX  to inform of the fraud hold. A few days later, I received a U.S. Bank ReliaCard with instructions for activating the card. This is the card used to received the unemployment benefits. This is the second time I have received this card. The last time I received it I called U.S. Bank and they told me to call unemployment. When I called unemployment, they told me to call U.S. Bank. I got the run around and all I wanted to do is close this account. I believe someone has stolen my identity and applied for unemployment benefits in my name.

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 non-monetary relief
Consumer complaint received 2021-01-05 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:
I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
on XX/XX/2020 I sent letters to Equifax and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them. they have also exceeded the time allotted by law to remove these items off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
Someone has filed a false unemployment claim using my Name and Social Securtiy number. I received a card and PIN number but I do not need it as I am the owner of the business and it was filed falsely.

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 2021-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XX/XX/2013 I received an unwarranted loan from Cashnet USA into my XXXX XXXX XXXX Acct in the amount of {$850.00}. Upon discovery 5 days later I called and informed them I didn't initiate the load process nor did i want the funds. They advised me they would charge me a fee to return money i didn't request. I was just graduating from XXXX XXXX XXXX and just started my XXXX school at XXXX XXXX XXXX XXXX. After going back and forward with them, I threaten to go to my commander and they quickly removed the funds. But still remains on my credit report. The only reason I decided to file a complaint and file so late, was the recent readings of fraud committed by these companies. I am currently reviewing other old bank statements to see if I missed any in the past as well. 

During this time I was constantly called and harassed as well from unwarranted loans deposited into my acct from Cashnet USA and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've tried to get a PPP loan with Bank of America ( BofA ) numerous times and they passed over my small business in favor of the large private equity and institutional clients they have.

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 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2020 someone stole my idenity ( via a stolen cell phone, that had been stolen earlier in the year ) and used to fraudulently steal considerable amounts of money from my online accounts, and make several unsuccessful theft attempts ( including on my XXXX  and XXXX account. ) Specifically Paypal allowed the criminal responsible to make several fraudulent transactions totalling {$1600.00} on my account. I reported this to Paypal on the XXXX XXXX when I discovered the fraud, as well as to my bank ( who were able to prevent the fraudulent ). 

Since then I have repeatedly told Paypal that I am not responsible for this fraud ( and sent them the associated police reports, attached ), but they continue to attempt to collect the fraudulent amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05 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: CORELOGIC INC
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit report. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MA

Complaint narrative:
I have paid of my car in XXXX. They told me my title was sent out on XX/XX/XXXX, but I never received it. Now they are telling me I should have received it on XX/XX/20, but I didnt. They also told me they can not send out another copy, and that I would have to request on from the XXXX and pay for a duplicate copy. As a customer I have the right to receive my title. I dont think its okay for the customers to pay for something that was not handled properly.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XX/XX/2020 I sent letters to XXXX  and Experian stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them. they have also exceeded the time allotted by law to remove these items off my credit file

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 2021-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My complaint is in regards to the high interest rate that i am being charged which is making it impossible to pay off my student loan. Majority of my payment is going into the interest which a small portion being applied to the principle. Furthermore, when i was making my payment plan several years ago, Navient did not take interest in providing a plan that would benefit me in the long run. Furthermore, I work for a non-profit organization for the past 7 years. Navient was not forthcoming on the loan forgiveness plan that i would have qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: IL

Complaint narrative:
Original debtor requested certain information that was sent by myself, and uploaded directly on the website on XX/XX/2020 and XX/XX/2020 to validate that this debt could not be paid, and that I needed to be put on a deferment or repayment plan. Original debtor refused to acknowledge the uploaded document, and requested that the document be frivolously uploaded together. The debtor is using frivolous tactics to collect on more than what is owed and may be in violation of FDCPA rights for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation