vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: MT

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/2020 - XX/XX/2020. Six fraud unauthorized transfers were made, a total of {$7500.00}. I had no idea money was taken due to the fact, I received the card the first week of XXXX of 2020. I contacted bank of America, not immediately. Because, I had no idea that money was taken. I found out when XXXX notified me in XX/XX/2020 by email that I had exhausted all funds.. 
I immediately called XXXX. They told me over the phone I had too contact BOA. I have spent numerous hours and always the same response. Have too wait. 
BANK OF AMERICA HAS BEEN BLAMING XXXX. The representative 's for BOA give me the same response, " Have u contacted your sponsor ''. I HAVE CONTACTED THE XXXX XXXX XXXX AND I HAVE THE ATTACHMENTS. I ALSO HAVE ALL THE ATTACHMENTS FROM BANK OF AMERICA Stating..acct closed acct frozen acct reopen acct denied acct resolved as transaction was legitimate. IF I WANTED ANY TYPE OF COPIES for the evidence that they had THAT IT WOULD BE SUBMITTED TO ME AND I HAVE BEEN WAITING SINCE XX/XX/XXXX AND THEY JUST KEEP ON GIVING ME THE RUNAROUND.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
We were in the process of applying for financing for a new home when our prospective mortgage company alerted us on XXXX XXXX that there was an outstanding, unpaid debt on our credit report in excess of {$27000.00}. We did not approve the credit card that was apparently taken out in our name. We contacted Synchrony Bank and learned that a PayPal credit card account with a limit of {$8000.00} was taken out in our name. The balance rose to {$25000.00} with several XXXX in unpaid interest raising the amount we are accused of owing to in excess of {$27000.00}. We contacted Synchrony which opened an investigation which the bank subsequently closed. The paperwork said payments were being made on the account, but the paperwork they supplied contradicted this, saying {$0.00} payments have been received by the bank on this fraudulent account. The bank would not clarify this discrepancy nor give us other information, although it apparently has documentation from whoever opened this fraudulent account in our name. We convinced the bank to reopen the investigation. They say they will provide no additional information until the second investigation closes, which will take 30 days. We are beginning to run into deadlines on financing our house and are not confident Synchrony will either act expeditiously, will properly investigate this fraud, or resolve this blatant case of identify theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: National Consumer Telecom & Utilities Exchange, Inc.
State: MT

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NJ

Complaint narrative:
Experian is reporting incorrect credit score information about me and/or is profiling against me in that processes in references to credit scores. I have been placed in a category based on a model that is erroneous. Its effecting my ability to get the appropriate rates and/or its erroneous.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a debt verification letter for an account they put on my credit report. This letter was received by XXXX XXXX from Rent Recovery Solutions on XX/XX/XXXX. on XX/XX/XXXX, I received a response from Rent Recovery Solutions, with a falsified document. This document was an invoice that bore NO valid or substantiated information about me. In fact, most of the personal information listed on this document has NEVER been associated with me or my name. This was clearly never thoroughly investigated to ensure that they are reporting accurate information. On XX/XX/XXXX, I sent another letter requesting verifiable proof that I owe the debt, including an original contract and proof they are licensed to collect in Florida. This letter was receive by XXXX XXXX on XX/XX/XXXX. As of XX/XX/XXXX, Rent Recovery Solutions has failed to respond with accurate documentation, yet they continue to report information on me that they know to be inaccurate, which is in direct violation of FCRA. They have not investigated this matter thoroughly and fairly or attempted to produce valid or substantiated documentation to show that they have verified this debt belongs to me, nor have they responded to my letters nor did they remove the account from my credit report whilst investigating per FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I tried to initiate a transfer to my bank from my available funds in Robinhood. I was given an account transaction error. No other information was provided. I tried to transfer smaller amounts ; same problem. Ive been emailing them daily since that day. Last week I tried reaching out numerous times on their AskRobinhood page on XXXX. Zero response! I even tried initiating a transfer to XXXX. Initially I received a message saying I couldnt do it because I own cryptocurrency. I sold all of that ( at a loss! ) to proceed with the transfer. Then the transfer was denied, again because of this mystery account restrIction. Ive looked on their FAQs and I dont seem to fit any of the scenarios ( not a day trader, funds transferred always cleared, etc. ) so I have NO idea why they will not release my money! Beyond frustrated. This seems criminal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
I was working with a collection agency on a debt of {$2800.00}. I offered a settlement to be paid of {$1800.00}. They submitted the offer and it was declined. During this time, I received a bill of {$2000.00} for a lawyer and found out that my position at work would be decreased. I said that I could offer {$50.00} a month and it would have to be dragged out. The debt collector told me that I originally made an agreement for {$150.00} a month and if I didn't pay it, he would start a legal process on me. He told me if I could afford a {$1800.00} lump payment, I could afford {$50.00} a month. I let him know that I just received a lawyer bill for a divorce and he told me that he didn't care and it was a personal matter. I told him that this personal matter is now affecting my financial situation. Once again he threatened to take legal action and then when I asked for a copy of my signed agreement ( there isn't one ), he told me he was taking legal action. 

Also, I have asked for a written statement so I know who I am paying, and they have refused. How sad that a woman who is going through a divorce with a husband who is an XXXX, had to sell her house because she almost went bankrupt, and is in the middle of a terrible divorce would receive such terrible treatment. Other debt collectors have been great in helping and understanding my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Department of Education has duplicated the same information through several companies. Making it appear that I owe 3 different companies the same amount of money ; and each of them are derogatory. Each of them are reporting similar information but different payment histories, different start dates, different last activity dates. Upon information and belief this is done to make the additional companies appear authentic. I have never had a contract with any of these companies and I am in fear that I will be forced to pay upwards of {$45000.00} to clear up my name. This has caused me unimaginable financial stress during this pandemic. I notified the three bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX DEPARTMENT OF EDUCATION All student loan repayments have been placed on hold since XX/XX/XXXX. They are falsely reporting it has been in collections when they are legally prohibited from collecting. 
This account payment dates are inaccurate and different at each of the bureaus. 


XXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 

This account payment dates are inaccurate and different at each of the bureaus. 
It should also be noted that the Consumer Financial Protection Bureau has sued XXXX in XXXX for systematically and illegally failing borrowers at every stage of repayment. I will attach a copy of CFPBs press release. 

XXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 

This account payment dates are inaccurate and different at each of the bureaus. 

DEPTEDXXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 
This account payment dates are inaccurate and different at each of the bureaus.

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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My family has been financially effected by covid 19. Bank of America offered a forebearance, in the form of a pause, that we opted into, with the understanding the outstanding payments would to the end of the loan. 
The bank has called every 3 months to renew the forebearance. On XX/XX/XXXX, the rep called to check in and to continue the forebearance. I asked again about the skipped payments and the rep, once again, told me it would be going to the end of the loan. 
XX/XX/XXXX, I spoke to a rep and was told the forebearance would expire at the end of XXXX. Then I was asked how I want to repay the deferred payments? I told the rep what I had been told, several times, and they said that was wrong. 
Bank of America reps give the customer information without documenting the conversation. I thought what the rep said was correct. I'd ask for someone to go back and listen to the recorded phone conversations I had with the reps. If I was given wrong information, I should not be penalized. 
I am trying to figure out how I am going to make my regular payments moving forward, and now they are asking me to pay the {$19000.00} + over a 6 month period. 
This is not right. My family is struggling and I made a decision based on what a representative from Bank of America told me.

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 2021-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/2021, I called US Bank to inform them I had received a letter from XXXX county stating my property tax had no been paid on time ( due XXXX XXXX ) and they had already added a penalty onto my total amount due for the third installment. Another installment has been late again as of XXXX XXXX. I have called US Bank about 10 times in the past 30 days trying to have them to pay my property taxes since I pay escrow every month and have never been late with a payment. XXXX county has the right to put a lien on my home if the bank does not pay the tax. I am being treated unfairly, ignored, and seem as if we are a joke to this bank. This is a VA loan and this is how they treat veterans. They dont care that a family could lose their home for there irresponsible actions as a mortgage company. I want my 3rd and 4th property tax payment paid for 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 monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper ( Nationstar Mortgage LLC ) Loan Number : XXXX provided me with a payoff quote. On XX/XX/2020 they sent me a note stating " the fees and costs quoted on the payoff totaling {$650.00}, are further itemized as follows : Prior Legal Fees. '' At no time did Mr. Coper ever provide any legal services to me. At no time have I ever been informed by Mr. Cooper that there were any outstanding fees. This is a complete shock.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was CAPITAL ONE BANK USA customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " '' goodwill '' '' adjustment to your reporting to the three credit agencies. I have late payments on the account XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment due to covid-19 pandemic from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to AMEX agency. I received an inactive card and do not want to reissue it. I am kindly requesting AMEX agency to remove this account from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Pavilion Payments US BuyerCo, LLC
State: MT

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXXXXXXXXXX XXXX - XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: SC

Complaint narrative:
A couple of months ago I received a copy of my credit report I saw that there was a lot of information and accounts on my Equifax credit report that I have never seen before. I later found out that my personal info was hacked in a few of the mass data breaches over the years.

Company response to consumer: Closed with explanation