vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Recovery Services, LLC
State: UT

Complaint narrative:
I was taken to XXXX XXXX hospital by XXXX XXXX back in approximately XXXX  I had sXXXX XXXX XXXX many things, I stayed overnight there. I was able to pay the hospital bill off in a timely manner. 
The ambulance bill on the other hand, was sold to Premier Collections whom is consistent with taking money out of my account monthly. I make {$470.00} a month. They have been taking money for years and refuse to give me paperwork showing what Ive paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Nations Info Corp
State: MS

Complaint narrative:
Your credit score and more advertised a Free Credit score and wanted your credit card to verify you were a real person. They said you would not be charged and it was absolutely free. The web site is yourscoreandmore.com. The phone number is XXXX XXXX XXXX. They charged my credit card XXXX and then a week later XXXX. I got no value for any of this not even a credit score. They stole my money and will not refund it. I have called them and written them. I reported this to Consumer Reports. I still do not have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am scheduled for closing on a new home on XX/XX/2021. On XX/XX/2021, XXXX setup a wire transfer from my Citi Bank savings account for a significant amount for the closing. I was called by Citi Bank to verify my transaction. One of the questions asked was what year my stepmother was born. I have not lived with her for 20 years, and my dad hasn't even been married to her for over 10 years. I had to call my dad to get the answer. 

Citi Bank failed me for the verification process for taking too long to answer. They refused to give me another opportunity or way to verify myself and they flagged my account for fraud. The account is now " under review '' and there is nothing whatsoever that I can do to get the funds. Citi Bank refuses to let me speak to anyone that can help, and just tells me I have to wait for them to clear it and there is nothing whatsoever I can do. I can not even go into a branch and get a cashier 's check because ( a ) there is no branch location or affiliated bank in my state of Colorado and ( b ) they say that even if I do FLY into a state where there is a branch location, that I can not get the cashier 's check because there is a hold on my account. 

Citi Bank is literally holding MY money hostage. This is MY MONEY and I am willing and able to do whatever to verify myself. They refuse to talk to me and help me. I need help immediately.

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 2021-04-10 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: EOS Holdings, Inc.
State: VA

Complaint narrative:
I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. EOS CCS Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX word which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX words which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Before I purchased my new home I had purchased my own homeowners insurance on the new property that I purchased. This was presented to the mortgage company and accepted. On top of my monthly payments each month theres a impound account that I pay approx 3,000 additional each month. Since the inception of my loan the mortgage company keep on placing lender placed insurance on my property and deducting funds without my consent from the escrow account. The money they are deducting is XXXX times what I pay for insurance and I dont and have never needed it since I have my own. I have called and emailed time after time and continuously get the run around. Finally they acknowledged to my mortgage broker that this was happening did a partial reimbursement, however they started debiting again 3 months later. I have all the emails to them, call log, and a email for them stating this would be fixed and it never was. I have waisted countless hours on this. On top of it they have the audacity to charge me late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
I fell behind on my mortgage due to covid-19. I am self employed and encountered a significant decrease in income at that time, XXXX. I contacted my mortgage servicer Fay and applied for assistance. On XXXX, I was told there were absolutely no retention options available to me. I was told that the investor XXXX does not participate in deferments or loan modifications. I was told that over the life of my loan, I have been offered the maximum amount of repayment plans allowed by XXXX. 

My mortgage was in good standing until a global pandemic occurred and my mortgage company has made no effort to truly help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I had received EIP payment 3 from the IRS via check so I decided to walk into a chase bank branch to get that deposited. When I got to the bank, a guy named XXXX asked if I needed help and I told him that I need help depositing a check into my account. When he saw the check, he mentioned that he could stamp this check at the back and I could then deposit it at the atm machine inside the branch and I wasn't comfortable about it and asked him to do it a teller window but he refused so I thought it should be ok since he is confident about what he is instructing me to do. I deposited that into the atm and 2 hours later I got a email saying that the check was rejected due to invalid endorsement so I called the bank manager next day - XXXX XXXX, the most ridiculous guys I have ever talked to. He works at the XXXX branch in MA. He said it was XXXX 's mistake that he stamped at the back and asked you to deposit the check at the machine when he was supposed to do it at the teller window as thats the protocol when it is stamped at the back. This manager guy told me this in a way that he wasn't even ashamed of what happened. I have to suffer for a mistake their employee committed which is so so ridiculous and that guy XXXX hung up on me. 

I need two things here - I need my check back asap and i Need strict actions taken against this Manager XXXX XXXX. 

If not, I am going to make this viral all over the internet on social media, XXXX, XXXX etc and call out chase bank and this manager. When I told him this, he said I could do what i wanted and he doesnt care. I cant believe chase has such people as managers. I need the district manager or someone above him to call me too. I had called XXXX who is apparently the district manager and left him 2 voicemails but he never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: FL

Complaint narrative:
In XXXX someone used my Equifax credit report to fraudulently purchase smart phones and data plans. I filed a fraud report with the local police ( OPD ) and contacted the phone carrier ( XXXX ). I disputed the charges with XXXX and after their investigation the charges were erased. It took the collection agency several months to stop calling me for the money. All documents were sent to Equifax along with a dispute for the fraudulent XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL address to be removed. As of XX/XX/XXXX @ XXXX EST that never happened. They did place a five year freeze on my account and allowed 6 free credit reports per year. 
In XXXX of XXXX I used my free credit report through the dot gov site. For security purposes they asked me security questions based on my Equifax report. One question related to the XXXX address from XXXX and another question was asked about another unrelated address to our history. I failed the site security and was not able to complete the request. The same evening I was failed again on another non-credit company site for the same reason. 
XX/XX/XXXX I logged into my Equifax account, used one of my free reports to find another address has been added to my report history ( and XXXX address was still there ) DURING the freeze on the account. I submitted a dispute ( # XXXX ) for the second fraudulent address, XXXX XXXX XXXX, XXXX, IN on XX/XX/XXXX and also explained the XXXX address had never been deleted in XXXX. They sent an email stating the dispute was under review and I would be contacted of the results in 30 days. 
It is now XX/XX/XXXX so I logged into my Equifax site, used another free report and both addresses were still present. I called their customer service where the rep told me the dispute was resolved and the addresses had been removed. I explained that I was looking at the credit report and they were still there. She then told me she had removed them and to refresh my report to see. I had to use another free report and low and behold they were still on my report. I asked to speak with her supervisor and she told me they were busy and would need to put me on hold. She placed me on a hold that lasted for approximately 10 minutes then an automated survey asked me questions about my experience with Equifax and the customer service. I did not score them well. It finished the short survey then stated " Thank You, Good Bye '' and hung up. 
And here we are!!! 
I am requesting these fraudulent addresses be removed immediately, an explanation on how the second IN address got placed on my report during my freeze and my free reports be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bella Sloan Enterprises
State: PA

Complaint narrative:
I paid Bella Sloan interprice over {$1000.00} to help repair my credit in witch he said he I would see result in about 6month. 6month after I paid him I reach out to him regarding the services he promised me, he claim he will need more then 6month, so he said 8month maximum is what he needs. Now that its been 9month so I reach out to him for a refund he refuses to give me a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: SC

Complaint narrative:
Equifax is reporting the account with XXXX inaccurately on my credit report. I disputed the account and requested a investigation be completed since XXXX of 2020 and sent letter after letter asking for an investigation since this account is reporting inaccurately. I never received a response or an update on the investigation. I sent another letter warning I would file a complaint and the comments was updated to show " reinvestigation in progress '' when I never received any information from the first investigation. It also has been 60 days since the comment was added and I still haven't received any information on the account. I even sent a validation letter to XXXX and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: FL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX XXXX, I lost my Exxon Mobile Gas Card. When I attempted to report it lost each time it stated that the office was closed and would not open again until Monday, XX/XX/2021. But the notice on line states that it is open until XXXX XXXX EST and open on the weekends. 
My card was lost while I was on vacation and there is no way to let them know. There is no emergency number available. 
Presently there is only a {$15.00} charge on the card.

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 2021-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Ready Capital Corporation
State: NV

Complaint narrative:
We applied for PPP2 loan which was approved and all documents and agreements were singed XX/XX/2021. We have not received the money to this date. ReadyCapital states that funds were rejected by our bank. XXXX XXXXXXXX XXXX shows no attempt to send money to our account. We have been trying to get in touch with ReadyCapital to sort this out, but nobody is answering the phone and emails are received with automated responses. We still have no money and we need the PPP Loan but can not even apply anywhere else because SBA shows we have received it already. ReadyCapital also processed our first PPP loan with them - without any issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
During the Covid pandemic Wells Fargo wrongly reported damaging information to the consumer credit agencies after making payments on our student loan accounts. The information reported stated that no payments were made on the account which is incorrect. My daughter and I both made several payments in XXXX XXXX, XXXX, XX/XX/21 XXXX, XXXX, XX/XX/21 XXXX, XXXX and XXXX. The reported information has created a negative report which resulted in my credit score dropping drastically. I contacted Wells Fargo regarding the reporting and was told that our payments were insufficient. My daughter and I made our best payment in good faith. I then told Wells Fargo that I am seeking the advice of legal council. Wells Fargo started harassing me calling leaving messages, they sent letters requesting the name of the law firm that I retained and finally added more negative commentary on my credit file to further damage my credit report. The most insulting part of this is the people who sign off on the letters mailed only put their first name and last initial. When I called to speak to the person who is the executive that signed authorized the additional damaging narrative they were not available. Wells Fargo caused damage to my name and credit, as well as my daughters.

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