vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of  the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have requested on four separate occasions to have my escrow money returned to me. I was told on the first phone call that it was lost in the mail and I needed to wait thirty days to have the check reissued. After thirty days I called and they said they would mail it out again. After an additional thirty days I was told that it was never sent out by accident ( something internally wasn't done correctly and it wasn't processed per the rep I spoke with ), and it would be sent out again. Thirty more days have passed and I was told " they were behind because of Covid-19 '' and to keep checking back. This came from a supervisor. This is ridiculous as the money should have been returned to me back in XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have a few accounts that are not mine, I didnt authorize anyone to use my credit for anything and I believe the identity theft was done possibly by a previous tenant thats now XXXX XXXX XXXX.. I dont have proof he did it as I told the police officer ... I filed a FTC Report ( XXXX ) and a police report ( Case # XXXX ) XXXX XXXX Georgia Police Department and submitted a Identity Theft Affidavit, to all 3 credit bureaus and to XXXX XXXX XXXX XXXX And Portfolio Recovery Assoc ..., XXXX XXXX  ... The amount for XXXX XXXX XXXX XXXX {$24000.00} and the total amount for both accounts with Portfolio Recovery is {$11000.00} ... I dont own this debt and I never authorized anyone to use my name or social for these items.. 
1 ) portfolio recovery, originally with XXXX XXXX, amount {$10000.00} opened XXXX XXXX 2 ) portfolio recovery, originally with XXXX XXXX  , amount {$1000.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX {$24000.00} opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 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: RI

Complaint narrative:
Hello, I am writing because I feel as though my credit profile is being targeted by the credit reporting agencies - due to my previous negative credit history. 

I have been working very hard to bring my score up and every time I do the credit agencies allow a company to put a fraudulent account on my report. I then contact all three agencies to advise/dispute and they answer with the debt is valid. To which three times I have had to reach out to your office to request assistance. 

Then once these negative items are removed my credit report the score is not increasing/adjusting for the change. There have been instances where I have paid the debts and an agency like XXXX XXXX has advised my score will increase 25+ points and nothing. 

I have done everything in my power to try and jump from poor/fair to good credit and no matter how i try i keep getting knocked back down to the 500s. I feel as though this is the credit agencies attempt to try and keep my score low. As I will then be forced to pay higher interest rates. I would like to request an audit of my credit profile. Please help me I am sure they are mistakenly keeping my credit score low. If I am wrong I will accept this, but i would like some help with making this right. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: RI

Complaint narrative:
Hello, I am writing because I feel as though my credit profile is being targeted by the credit reporting agencies - due to my previous negative credit history. 

I have been working very hard to bring my score up and every time I do the credit agencies allow a company to put a fraudulent account on my report. I then contact all three agencies to advise/dispute and they answer with the debt is valid. To which three times I have had to reach out to your office to request assistance.

Then once these negative items are removed my credit report the score is not increasing/adjusting for the change. There have been instances where I have paid the debts and an agency like XXXX XXXX has advised my score will increase 25+ points and nothing.

I have done everything in my power to try and jump from poor/fair to good credit and no matter how i try i keep getting knocked back down to the 500s. I feel as though this is the credit agencies attempt to try and keep my score low. As I will then be forced to pay higher interest rates. I would like to request an audit of my credit profile. Please help me I am sure they are mistakenly keeping my credit score low. If I am wrong I will accept this, but i would like some help with making this right. 

Thank you, 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 2020-09-21 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: MO

Complaint narrative:
I've been trying to lift a security freeze online since XXXX. I've attached the most recent screen shots, from today. In essence, when I try to log on, it says temporarily unable to to complete this request - it's been saying that since XXXX! If I try to cerate a new account, it says I already have one, and if I need to reset my password to use a a link that does not exist. When I clink the link saying I need sign on help, it says no account found, but will not let me sign up for one because I have an existing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have  yet to received anything back from them.

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 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
I had my mortgage with Chemical Bank. This past XXXX I was informed that TCF Bank merged with or acquired Chemical Bank and my mortgage was to be paid to them. I received my XXXX Loan Statement from TCF Bank. I made my loan payment online like I always did and received a confirmation from TCF. That was XXXX XXXX. A week later I received a notice from TCF Bank that my payment ( automatic transfer ) was returned because because they were unable to locate my account even though the loan number was correct. I called immediately and was on hold for over an hour never able to reach anyone. I made numerous attempts to call them over the next couple of days just to experience the same wait time. On XXXX XXXX I went on their website to pay again. Once again I got a confirmation. I check my bank account from which the payment will be processed but there is no indication that funds were withdrawn by TCF Bank. I have made numerous attempts to get through to TCF Bank only to be put on hold for way, way, way to long. There is no explanation on their website or by letter that they have problems. This is no way to treat a customer. As soon as I am able I will be moving my mortgage to another company. Very terrible service!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: WA

Complaint narrative:
Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( Equifax, XXXX and XXXX ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from Equifax, XXXX or XXXX. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19. 

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Collection company is illegally reporting this account on my credit that does not belong to me. I have sent out letters to collection to provide documentation showing proof this is my account bearing my signature and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
This company contacted me on XX/XX/2020 regarding a debt I've disclosed was opened without my permission. They stated they will show up to my personal home address to serve me and then stated that they are in jurisdiction to have police arrive with them. They claim they have the legal authority to do so when I questioned a debt collection agency representative showing up at my home. They said they are not a debt collection agency and don't have to follow as such. Told me I should study law and understand they are within their rights to call me names and threaten to show up to my home with police, because it's not illegal. I was called " ghetto '' by a XXXX XXXX and continued to be told they would contact me 100 times a day on a dialer since I wouldn't stop calling them trying to rectify the situation. They also said they would not document that I was requesting information on how to get this handled since account is not mine, and they stated they would document me as a refusal and show up to my home. I spoke with 3 different representatives. I unable to capture the first one 's name because he refused to provide me with company information upon request. Refused to send any written correspondence or confirm a good call back number so I could confirm was not scam. When found number to call, it went to ONE rep, XXXX XXXX, who continued to hang up on me every time I called and tell me they would only talk to a " irresponsible '' person like me when I hired an attorney. I explained I'm not hiring an attorney and that I wanted the calls to stop since they weren't wanting to talk to me, and XXXX XXXX stated they will call as many times as they liked. As well, no mini-miranda was stated at any point during any of the calls, not inbound recordings or when inbound to rep and not once during the outbound calls made to my cell phone after confirming they were speaking with me during the one phone call. I attempted many times to contact the company back and continued to get the same representative XXXX XXXX. A rep XXXX XXXX also told me he wouldn't talk to me but instead contact my supervisor and tell them what I'm responsible for, he said he was sure they would love to hear how I don't like to pay my bills. I advised that I do not want any contact to employer and I was immediately transferred to XXXX XXXX. They state that the calls are recorded but told me that I was lying about the statements made to me and refused to assist me any further. I am worried my information is being shared without any validation they are speaking to correct party or disclosing this was a debt. I apologize if this is all over the place as I am beyond frazzled and scared that this is going to escalate and I could lose my job over this due to calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly  investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
My bank delayed a few transactions in order to create a negative balance of XXXX during the same day I scheduled 2 transfers to arrive on the same day. I called and the rep told me a XXXX $ NSF fee would be added Tomorrow despite the fact that I had 2 transfers arriving hours after they applied the fresh negative balance to cover it. This means a nsf fee should not be generated and the bank chose to dissolve our relations by trying to delay the transfers in order to steal a XXXX nsf fee even after confirming that they see the transfer coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a {$700.00} cash deposit at the JP Morgan Chase Bank, XXXX XXXX, Branch # XXXX. My deposit was processed by XXXX XXXX, an employee working the drive thru on XXXX at approximately XXXX XXXX. Upon submitting the cash deposit via the drive thru, I received my deposit back, and was asked for my ID. I was advised, rather rudely by an employee who was not XXXX, that their location had been asking for IDs for cash deposits for 2+ years in an effort to thwart money laundering. I provided my ID and requested the other employees name. XXXX provided however, given the weather conditions and the amount of traffic in the drive thru, I elected to leave, rather than confirm the name of the other employee in the drive thru. 

I am not aware of any regulatory rule, or guideline, requiring customers to provide ID for a {$700.00} cash deposit. I am aware that FDIC, OFAC, and other regulatory agencies which provide the framework under which banks operate allow the bank ample and vast discretion to adopt policies and procedures tailored to each individual market. The manner, and demeanor by which Branch XXXX chose to communicate and enforce their own internal policies does not represent existing federal & state anti money laundering guidelines, or processes. Chase has operated under the false guise of money laundering concerns by requiring customers to provide ID to deposit cash for the sum of less than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
I have requested a COVID forbearance three times within the past month and I never heard back from them. They also do not take phone calls regarding a forbearance request. I have the confirmation emails for all. They say they will be in contact in 3-5 business days, and that has not happened.

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 2020-09-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have signed up in XXXX XXXX since long time to check my credit score regularly which gives me report from XXXX  and Equifax. I am making all payments on time and my score is consistent. Suddenly, on XXXX XX/XX/2020, I saw there is drop of 6 points in both XXXX and Equifax, and further checked there is a note that Remarks had been added to one of your account if you find something wrong you may contact credit reporting bureau. Then I called Equifax but they are very unprofessional and keep me waiting for 15-20 Minutes and hung the call. And as far as XXXX concern they are worst than Equifax and they did not connected my call and when connected it hung up afterwards. So, I want to get it updated and if something wrongly done then it needs to be fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I request Barclays Card in Delaware to refund me {$140.00} since XX/XX/2019. Due to XXXX XXXX XXXX. Charged me {$4900.00} on XX/XX/2019 but refused to file lawsuit for me. she only refund me {$4800.00} on XX/XX/2019 and repeatedly refused to pay me back other {$140.00}. 

However, Barclay Card also repeatedly to refused to pay me back {$140.00}. I had to asking you to ordered Barclay Card to refund my {$140.00} now. Thanks!

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 2020-09-21 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: C B Merchant Services
State: CA

Complaint narrative:
I have filed a dispute with XXXX and investigation took well over 30 days.

Company response to consumer: Closed with explanation