vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Almost 2 months later and I havent seen my credit disputes addressed by XXXX, XXXX XXXX and Equifax. This is a violation of thier timelines and is putting me and my family in financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I placed a domestic wire transfer on XX/XX/2022, and until now ( XX/XX/2022 ) they are not able to see where the funds are even after placing a trace on the wire transfer. The beneficiary has not received the funds and they already pulled them from my account on XX/XX/XXXX, the day I placed the wire transfer. 

I called almost everyday to check if there has been any update, but every call it ends up being the same thing being either " no update yet '' or " we can place another update request '' and it has been those two responses over and over for the past few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 XXXX incorrectly used my cash app debit card at the XXXX XXXX in the amount of {$490.00}. Five ( 5 ) minutes later after provided the correct credit card the XXXX XXXX reversed the charges back to my cash app. 
As of today both me and the XXXX XXXX have shown a ZERO balance due. However Cash App have not provided a refund/credit to my account. I have reached out to Cash App customer service 7 times with no avail. I need your assistance in obtaining the timing of my refund/credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX I thank you for your prompt responses and deleting this debt due to fraud. I just need help resolving one more issue. The creditor Portfolio Recovery Services that bought this debt from you in XXXX. I also reached out to them to delete this debt from the credit beauru. They advised me they won't until your agency reaches out authorizing them to do so even though I let the know of the correspondence your agency sent me. Can you please advise them to please delete the accounts from the credit beaurus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: NJ

Complaint narrative:
I have alot of inquiries that are not authorized by me and a few other accounts that are not reporting correctly. There is a letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Since I can not reply to Mr. Cooper 's earlier response, I am submitting this new complaint per original Complaint Case File Reference : XXXX **Original Complaint Filed** : Mr. Cooper has provided the below 'contact ' information as the owner of my mortgage. XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX However, I am unable to contact or speak to anyone from this organization. Why am I unable to contact the investor / owner of my Note directly? I have repeatedly asked Mr. Cooper who I can talk to with no response. I call the organzation at the address and they can not put me in touch with anyone either. WHAT IS A VALID PHONE NUMBER, EMAIL OR CONTACT NAME FOR THIS " INVESTOR ''? 
***** Instead of Mr. Cooper providing me the requested information, they instead filed an extension on case resoultion with the following response ... " At this time, we are having conversations with the trustee on this loan to reach a favorable solution. We apologize for any inconvenience this may have caused and appreciate your patience. Expect to hear from us by XX/XX/2022. '' WITH ALL DUE, I DO NOT CARE WHAT CONVERSATIONS YOU ARE HAVING WITH THE OWNER OF MY NOTE! I SPECIFICALLY ASKED YOU FOR THE ACCURATE CONTACT INFORMATION FOR THE HOLDER OF MY MORTGAGE. WHAT IS UNCLEAR ABOUT THIS ASK? 

I HAVE ASKED AT LEAST 5 TIMES, 5 DIFFERENT WAYS FOR THE CORRECT CONTACT INFORMATION. YOU LIED TO ME SEVERAL TIMES BEFORE ABOUT WHO ACTUALLY OWNS MY NOTE FOR YEARS AND NOW I AM TIRED OF YOUR RUNAROUND. 

GIVE ME THE CONTACT INFORMATION IMMEDIATELY BECAUSE WHAT YOU HAVE PROVIDED TO DATE HAS BEEN INACCURATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Red Mortgage, Inc.
State: CO

Complaint narrative:
We closed on a XXXX mortgage ( as a refinance ), brokered by Forward Lending, dba Sage Mortgage. The day of our closing, we were informed we needed {$14000.00} cash to close. We contacted XXXX XXXX, our broker at Sage, and pointed out this was based on an old balance due from our original lender. He assured us we would receive a refund of the overpayment, so we moved forward with the closing and issued a check for {$14000.00}. The loan closed on XXXX XXXX ( XXXX XXXX. XXXX ). 

We then received an updated closing disclosure form from XXXX XXXX, the manager of the Loan Processing and Closing Team, reflecting an accurate cash to close figure of {$9800.00}. So far so good. 

On XX/XX/2022, we received a notice from XXXX XXXX that we would be receiving a refund of only {$66.00}. We reached out to XXXX XXXX the same day, who requested the disclosure used to calculate the refund from XXXX, and promised to follow up once it was received. 

Since then, XXXX XXXX and XXXX XXXX have ignored my calls and emails, and we have received no refund whatsoever. We are requesting a refund of {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
For almost two years I have been attempting to make payments on my mortgage with no assistance. I did a Forbearance for Covid in XXXX  and negotiated a new contract and payments. That company was bought out and since then my mortgage has been a mess. I had sent in the first payment and attempted the second payment when the money was sent back to me. I renegotiated a new deal with Truist and began to make payments. They informed me it would not be official until i signed the deal and mailed back to them. I agreed to this however never received the new deal. After months of calling and searching for it but still making payments they sent me all the money back because it didn't catch me up. When speaking with a rep they said there was an error and best way to fix is to do the forbearance again and restart the process with them. I filed for that to happen and once again never received in the mail the new contract. Was informed could have it emailed to me in which i would print it off, sign, and mail in. This never was sent to me either and when calling I speak to a new person each time who has to review my notes. Multiple times while reviewing and placing me on hold they have hung up and not called back. In this time I have received foreclosure notices, annual statements, and late fees in the mail. The stress and uncertainty this company has put me through during this time is unjust and should not be this hard to resolve with someone willing and looking to pay. I attempted to refinance with another company but said when they called it couldn't be found because it was in a limbo of sorts. Now it is showing up on my credit report and affecting me in many negative ways. This has put a pause on my life and my families. I have attached only a handful of items as proof of the misconduct this company has performed

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been going back and forth with this company pertaining to a deposit of XXXX they blocked me from using my card and now suspended the card I asked can they send the funds back to the sender so I can have it sent to a different card they told me they would do it and havent done it yet and its been a whole year I showed proof of who I was I sent my business credentials I have not received any phone calls or email pertaining to this matter they basically kept my money suspended me from using the card and been giving my run around

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i have multiple inquiries from XXXX XXXX XXXX that i didnt initiate and it is fraudlent and i want it deleted immediately 15 USC 1681B violation furnishing reports in connection with credit transaction not initiated by consumer XX/XX/2021 XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland XXXX I thank you for your prompt responses and deleting this debt due to fraud. I just need help resolving one more issue. The creditor XXXX XXXX XXXX that bought this debt from you in XXXX. I also reached out to them to delete this debt from the credit beauru. They advised me they won't until your agency reaches out authorizing them to do so even though I let the know of the correspondence your agency sent me. Can you please advise them to please delete the accounts from the credit beaurus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: NJ

Complaint narrative:
I have a lot of inquiries that shouldn't be on my report and a few negative items that are not correct.

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 2022-04-08 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: NJ

Complaint narrative:
On XX/XX/2021, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/2021, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 8 months, I review my updated credit report and I noticed that Experian updated my address, but they did not remove the inaccurate addresses ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so I am now, taking the extra step, because I really these addresses off of my credit 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 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report and became aware of XXXX XXXX. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for 7+ years. 

I sent a debt validation letter to : Louisiana XXXX XXXX ( LRS ) Debt Collection Group XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX this account listed on my credit report : Original : XXXX XXXX  : {$68.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/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 2022-04-08 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: LEXISNEXIS
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau po box 27170 Washington XXXX DC XXXX XX/XX/XXXX XXXX : Request for VALIDATION, NOT VERIFICATION RE : CFPB Complaint Number # XXXX Subject : XXXX XXXX XXXX XXXX A To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is an FDCPA violation and you continued to report a disputed debt to the Credit Bureau, another FCRA violation. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureau causing damage to my character. 

This letter will AGAIN request that you follow the FDCPA and please provide the following validation of the debt request : Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature As you may be aware, Estoppel by Silence legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to - your company for violations of my consumer rights as specified under both the FDCPA and FCRA. I may also seek damages from you if warranted. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A States I have rights of privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without written instructions

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 2022-04-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A States I have rights of privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have previously sent a notice about an unverified bankruptcy that is reporting to my consumer report. This item MUST be verified with the " original creditor '' or so called furnisher. EQUIFAX claimed to verify the information but I have a letter from the courts stating they DO NOT verify with any consumer reporting agencies any information. Thus XXXX has willingly and knowingly reported unverified information defaming my credit standing and character hindering me from obtaining credit to sustain my living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: LA

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX, XXXX  XXXX Account XXXX , XXXX  Account number XXXX, XXXX  account number XXXX, XXXX  account number XXXX, XXXX  Account # XXXX, XXXX  Account Number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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