vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
On the XX/XX/XXXX, I came back from work when my kids told me they could not watched TV. I asked what happened, they said the TV was not working. Then I tried tot rouble shoot the TV yet it did not work. Then I called XXXX XXXX  why my TV, phone and Internet are not working, they said I owed XXXX that is why they cut off my services. I told them to immediately cut off my services from them. Which they did that day but they asked me to return their equipment to the nearest location to my house. I returned the equipment on XX/XX/XXXX. They send me bill of {$760.00} on XX/XX/XXXX which I said why this bill? They said is for XXXX and XXXX bills and termination fees. I told them why should I pay for XXXX when you already cut off my services. Should I pay for the month I did not use my services. I already have another provider since XXXX. Please I want you people to intervene. Why should i pay for the month i did not enjoy or use their services?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
When retrieving my credit report of XX/XX/2019 on XXXX   I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.

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 2020-03-04 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
When retrieving my credit report of XX/XX/2019 on XXXX I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a credit card account with Capital one since XX/XX/2014 my payments were always on time. I don't really use the account much anymore. 

I was taken aback when I got a notifictaion from that a new late has come on to my credit file. I checked to see what that may be and saw a late reporting from Capital one I immediately called  Capital one to find out what this was. They informed me that this was for the annual fee. The issue is I have not gotten any bills via mail or email to notify me about this charge. I would have no idea that I owe anything if I don't get a bill. 

I haven't used the card in months so I wouldn't just randomly check on an account which I do not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
{$11000.00} of unpaid medical bills are still showing on my credit report.. i had XXXX  XXXX as well as NC state XXXX  at the time of all these bills were sent out. The state of NC failed to pick up payment and its affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
XX/XX/2020 My spouse reached out on my behalf to gather more information about a debt that had appeared on my credit reports. She asked for a debt validation letter to be emailed to me and also for a reduced amount on the original balance being owed. The letter received was not a debt validation letter. Only a pre-filled letter that stated that Midwest Recovery was collecting on the debt and the amount. 
XX/XX/2020 A letter was issued on my behalf requesting a proper debt validation letter for the medical bill Midwest Recovery was collecting on. Asking for more detailed  information to support their claim I owed the debt. I also reported the information on the credit report asking the credit reporting agencies to prove the information was accurate. 

XX/XX/2020 Another call was placed asking about the debt. A conversation with Mrs. XXXX took place notifying me how it was past the 30 days on the information being requested and that she'd reach out to Mrs. XXXX, the supervisor and the one the request for reduced payment was made with. 

Original Debt Validation Letter was issued the XX/XX/2020 and has gone unanswered and unable to provide proof the debt is valid. Requesting the collection to be closed and removed from my credit reports. 

Attached is the letters exchanged between the parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My name is XXXX XXXX and I have an account Wells Fargo Bank # XXXX. I have received my IRS refund checks for the XXXX & XXXX, in the amounts of ( {$56000.00}, & {$27000.00} ) on XX/XX/XXXX and deposited them on XX/XX/XXXX in Wells Fargo, the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX GA XXXX. 
When I tried to access my funds, the bank informed me that my account was closed and that it was transferred to the Lost Prevention Department on XX/XX/XXXX. I have been contacting this department for over a year to get more information, and to resolve any issues that might have caused this, but they indicated that the IRS have requested these checks back and they are not able support this claim with any documents. 
I have also contacted the IRS on numerous occasion to get information on why they might have requested these checks back from the bank. I was informed recently by an IRS customer service Agent # XXXX explaining that, if this was a paper check the IRS will contact me directly for any problems, they would have not contacted the bank for that. Also according to the Bureau of Fiscal Service Agent #  XXXX that these checks were cleared on XX/XX/XXXX. 
The bank is refusing to send any tracking information as to where is the money went after being cashed, or any documents to support their claim.

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 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I have an existing mortgage on a 2nd home in XXXX.thru XXXX XXXX. I am XXXX years old and have a credit score in the very high 700 's or low 800 's depending on the XXXX. I had no issues with qualifying and the refi required NO Appraisal or cash out of my pocket. Simply reducing the term and getting a better rate. 

The problems started when the company / XXXX XXXX started saying the property had Liens on it, speciffically a line FOR my Primary home ( which was purchased years before this home ) and a Lien for a HVAC system that was installed on my primary home in PA. 

After several weeks of back and forth including the submission of a XXXX document from the HVAC company stating o only is there no lien on the XXXX  home there in no lien on the XXXX  home as they are not capable of such an encumbrance, is is a personal loan. I also submitted a copy from the XXXX Recorders office as well as a private online title search that did not show any liens. Lastly I reached out to the Title Company who handled the closing on the XXXX  property and they confirmed there is but one record for the original mortgage from 2018.

Still the insisted I must pay off or subvert these liens to move forward. 

I feel they were purposely discouraging me from moving forward with the loan because of my age. I withdrew my application ( which they did with great speed ) as I do not feel they were honest and I foresaw grave issues if I moved forward with them. No one can be that incompetent incompetent and still be in business I have purchased 7 different homes in my life and never experienced any issues. 
I am currently pursuing a refinance with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: TN

Complaint narrative:
ACCOUNTS SHOWED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Misleading over the conversion of a mortgage in New York State. At the very end of the conversation a point fee went up from {$400.00} to {$3400.00}. I was a die hard USAA member. Brutal experience

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion wants ne to pay for my annual free credit report. File number XXXX, dated XX/XX/2020.

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 2020-03-04 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: TN

Complaint narrative:
I am writing this due to non-compliance with Equifax, They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: TX

Complaint narrative:
Sent letter to Experian Credit Reporting on XX/XX/XXXX notifying them that my credit report showed several hard inquiries that I was not aware of and were not authorized by me. I requested that these inquiries be removed immediately as they have contributed to my inability to obtain credit. As a victim of identity theft and currently trying to correct the damage done by my stolen identity, I have followed the Federal Trade Commission Identity Theft step by step program and monitor my credit reports daily. I just received a response to my request to remove the unauthorized inquiries stating that the inquiries would NOT be blocked and would remain on my credit report for 2 years. Obviously, I am unable to send any evidence that the inquiries were not authorized other than the Identity Theft documents that I have provided all credit reporting agencies on XX/XX/XXXX. As stated previously, these inquiries are contributing to the reasons why I have recently been unable to obtain credit. Several of the hard inquiries that I am disputing have come from the same companies/lenders that were included in my identity theft report. I'm filing this complaint at the suggestion of the FTC Identity Theft program and request that the following hard inquiries be removed, block or whatever can be done as to not affect my ability to improve my credit and/or obtain credit. The list of unauthorized inquiries are : XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX   XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  XXXX  L Inquiry date 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 non-monetary relief
Consumer complaint received 2020-03-04 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: TX

Complaint narrative:
DEPT OF EDUCATION/XXXX Account number XXXX {$4100.00} DEPT OF EDUCATION/XXXX   Account number XXXX {$1000.00} DEPT OF EDUCATION/XXXX Account number XXXX {$2400.00} DEPT OF EDUCATION/XXXX Account number XXXX {$6000.00} DEPT OF EDUCATION/XXXX   Account number XXXX {$3500.00} DEPT OF EDUCATION/XXXX Account number XXXX {$5500.00} These accounts were DELETED AFTER A 30 DAY INVESTIGATION and was recently reinserted without a five day notice, according to FCRA is governed by FCRA 611 ( a ) ( 5 ) (  B ) my rights have been violated.

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 2020-03-04 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: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: NV

Complaint narrative:
Equifax has a account listed on my credit report that does not belong to me. I have disputed this item and it is still showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: RI

Complaint narrative:
On XX/XX/2020, I sent {$500.00} through XXXX from my citizens bank account to my sons XXXX XXXX XXXX  account, the funds left my citizens bank account but were never credited to my sons BOA account. I contacted both banks on a conference call and was advised the payments failed, and would be returned to the citizens bank account within 14 business days. Today is XX/XX/2020 and the funds are still in limbo. I have called the supervisor working on the case for me from citizens bank and he has not gotten back to me In the last two days. I have sent money to my son countless times through XXXX using his phone number before this and since the issue and this has not happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a credit card at Best Buy when i was purchasing a computer because it was offered to me for 12 months no interest. I applied and was approved. A couple weeks later it appears on my credit report as a hard inquire and it lowered my score. I called the citi best buy credit card and the person told me they should have told me when i applied it was ahard inquire but they didnt and that they cant remove it. What can i do?

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