vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I was contacted by Freedom Mortgage to refinance my current FHA mortgage I have with them, my rate would drop from 4.25 to 2.125. In XXXX, XXXX I signed and filed all the completed paperwork. I was scheduled on XX/XX/XXXX to meet with a Notary at my home to sign the new mortgage documents. My XXXX year old daughter who lives with me is a nurse and came down with COVID, I called the Notary and asked if we can meet elsewhere or reschedule due to COVID. She opted to be safe and reschedule. My reschedule date was canceled by Freedom Mortgage due to a {$200.00} issue with my second mortgage. Since XX/XX/XXXX to current, XX/XX/XXXX, I have been emailing and calling my contacts at Freedom Mortgage to get this process completed. I had it escalated to a manager and received a new contact. I spoke with the new contact before XX/XX/XXXX, I emailed & called him for an update on XX/XX/XXXX, today is XX/XX/XXXX and I have not heard from him. My monthly mortgage payment will drop by {$400.00} a month. Freedom Mortgage is costing me {$400.00} a monthly, in total {$1600.00}, by not finalizing my refinancing. Please help, during this COVID year, groceries, food have increased. I have XXXX adult children living with me & could use the {$400.00} extra.

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 2021-01-11 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: CA

Complaint narrative:
Due to me being a victim of identity theft have unauthorized accounts that appears on my credit report. A trouble some of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my XXXX, XXXX, and Equifax credit report due to my identity been stolen. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I have noticed that account ( Barclays Bank Delaware ) is reporting on my report. This is not my account. Im not the primary account holder. I was added as an authorized user fraudulently. The primary account holder and the credit card company wont remove me without the primary account holders permission. The account is not my account. InXXXX 2020, I contacted the company to ask that I be removed but was told I needed the last four of the primary account holders SSN, which I didnt have because it was unauthorized.

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 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Received a letter from Phoenix Financial services stating I owe a debt, but I have never did business with this company and it states debt is from 2015 which I don't recall this debt. This letter does not give enough evidence to confirm that I am the person that owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
There is a negative credit report due to an alleged 10+ year old XXXX XXXX overdue bill of {$550.00}. I have not had a XXXX account in over 10+ years minimum. Ive tried resolving with XX/XX/XXXX directly via phone and online and also with XX/XX/XXXX and XX/XX/XXXX with no success. This alleged overdue balance is over 10 years old, minimum. This is ludicrous that an alleged balance that is over 10+ years has just recently been placed on my credit report. It severely past the statute of limitations and with any research this can be verified. I have not received any literature or a " Validation Letter '' regarding this for clarification or to directly dispute/resolve with XX/XX/XXXX 

The credit report on XX/XX/XXXX and XX/XX/XXXXis under the company of IC Systems and was opened XX/XX/2019 and as mentioned is already on my credit report and has already impacted my life negatively. I am also contacting the other Federal and State corresponding departments to file reports.

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 2021-01-11 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: MO

Complaint narrative:
On XX/XX/XXXX I sent my initial investigation about accounts in question to either verify accounts or accounts that are not reporting correctly. Then I sent another dispute on XX/XX/XXXX regarding the same dispute to investigate because NO RESPONSE at this point its past 60 days and these accounts NEED TO BE REMOVED IMMEDIATELY due to NON-COMPLIANCE for an investigation to be conducted. Attached are proof showing letters sent out requesting for investigation. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Reason : Please verify this account You reported this account as late in XX/XX/XXXX to XX/XX/XXXX ; However this account is still showing Open status, how is this possible? Please DELETE this inaccurate erroneous account immediately. 

Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account You are reporting as past due balance on a collection account. This account is past due by default. You are reporting inaccurate and erroneous information. Please DELETE this account immediately. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Please verify this account Account Name :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Reason : Please verify this account Please REMOVE ALL LATE PAYMENTS. I was never late. Please remove late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. You are showing I was 30 days for each of these months how is this possible. PLEASE DELETE ALL LATE PAYMENTS IMMEDIATELY. 

Account Name :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Reason : Please verify this account Account Name : XXXX XXXX Original Creditor : XXXXXX/XX/XXXX XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reason : Please verify this account The Date of last activity is showing different with ALL THREE BUREAUS how is this possible when you are reporting from same creditor. Please DELETE this account immediately. 

Account Name : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Please verify this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have attached the screenshot that I received from PayPal for your reference. 

I am the XX/XX/XXXXof a Sunday XXXX language class of XXXX kids. For XXXX gift I collected some money from other parents and sent it to the XXXX language teacher. 

The amount of the this money transfer is {$100.00}. 

PayPal put a limit on my account by sending me 2 different requests : ( 1 ) I have to provide the birthdate of the recipient ( 2 ) I have to provide my business documents I responded by calling PayPal and responding using PayPal system to clarify that I don't have a business. But PayPal still insists that I obtain the birthdate of the recipient, who doesn't feel comfortable to share this privacy. 

Please investigate into PayPal 's request and PayPal 's limit on my PayPal account. 

Thank you! 

My name is XXXX XXXX PayPal account is XXXX My phone is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I filed a dispute with XX/XX/XXXX and XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: Avant Credit Corporation
State: GA

Complaint narrative:
I filed a dispute withXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXin regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I receive phone calls from Capio Partners and when I ask have I done business with them directly, they will not respond. They repeatedly ask me for my date of birth, I have no idea who this company is I have asked them to mail me correspondence from their company and they still haven't done so. I have told them I am I have had my personal information exposed on the dark web and I will not provide information to a company that I have never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 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: ERC
State: SC

Complaint narrative:
On XXXX XXXX, 2020, ENHANCED RECOVERY COMPANY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Sage Stream said they have lifted all freeze/fraud alerts on my account. 
XX/XX/XXXX - I sent a fax to lift all freeze/fraud alerts as well. 
I have called XX/XX/XXXX and XX/XX/XXXX to confirm and triple confirm that there are no longer any freeze/fraud alerts on my account. I was told there was no longer any freeze/fraud alerts. I applied to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and have been told on these 2 separate occasions there is still a freeze/fraud alert on my account. I have sent another fax effective Sunday, XX/XX/XXXX to get the freeze/fraud alert removed again. I want them to be held accountable for wasting hours of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Due to me being a victim of identity theft have unauthorized accounts that appears on my credit report. A trouble some of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my XX/XX/XXXX, Transunion, and XX/XX/XXXXcredit report due to my identity been stolen. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

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 2021-01-11 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: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I filed a dispute with XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: World Acceptance Corporation
State: GA

Complaint narrative:
I filed a dispute with XX/XX/XXXX and XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
Received a letter from Affiliate Asset solutions LLC have never done business with this company and not sure how they obtained my information on a debt I do not recognize. There is no proof that the debt actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted XX/XX/XXXX on various occasions, trying to resolve a matter, it took them forever to do so. I filed a claim no XXXX, XXXX, XXXX, XXXX with my bank being Wells Fargo and I was granted credit, I am aware that if bank filrd claim for you that I am responsible for that claim. Any individual that is logged in, is in the banks hands. Banks don't file claims if credit has been credited bt merchant, there is just no way. They can't talk, or point out a issue of this sort immediately. Very, IMPOSSIBLE, why am I being held liable for Wells Fargo ERROR. I want my checking account in good standing. I have banked with with Wells Fargo for 2 years now goin going on three. I am requesting for my checking account ending in XXXX, to be brought back to normal status. I don't want to loose my bank account because of Wells Fargo ERROR. This action is not legal, I have been customer for a couple of years, and I never had this problem. I strongly believe that I am being misjudged, in every way possible.

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 2021-01-11 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I filed a dispute with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020, I received a notification from Citibank that my dispute of {$1400.00} for a charge on XX/XX/2020, for airline tickets on XXXX XXXX, was closed as the airline was offering a travel voucher for future travel, which is not allowed as per United States Department of Transportation ( USDOT ) rules and regulations, which require an airline to offer a cash refund for cancelled flights originating in the United States. I have enclosed my correspondence with Citibank, which took the merchants position that I am not entitled to a cash refund in violation of the USDOT rules and regulations. When I followed-up with Citibank in XX/XX/2020, and received a letter back dated XX/XX/2020 stating that I no longer have any recourse, and they have no options available to assist me, even though XXXX XXXX response back to Citibank was not truthful, and made numerous false accusations, which Citibank ignored.

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 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This company information was given to by XXXX XXXX XXXX XXXX XXXX after I tried to resolve a debt. I was told by an XXXX XXXX XXXX XXXX XXXX associate that the company was " just like '' them and I could contact them to pay on the debt. I believed XXXX XXXX XXXX XXXX XXXX associate and I just wanted to settle the debt and move on from this. The experience with this company has been a nightmare to keep it mild, they initially called asking me to pay half the debt and I explain due to the pandemic my hours were reduce and I could not pay at that time. I was told I could pay online, in the month of XXXX I made a payment and again in XX/XX/2020. This company continues to call no manner what, I asked them to review my account which should show I am trying to pay on my debt I was told to place a credit card or checking account on file to stop the calls. I didn't feel that safe doing so because I know nothing about this company and I express that is poor customer service to contact me even when they have seen I paid a payment online. After researching this company they are NOT the same as XXXX XXXX XXXX XXXX XXXX associate and I have sent a certified letter requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company. I have also sent a letter addressing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX associate requesting they promptly rescind account information furnished to this company, Synerprise Consulting Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Around XX/XX/XXXX I received a letter in the mail from JP Morgan Chase letting me know all of my checking and saving accounts will be closed and the company chose to end relationship with me, they didnt mention anything about my personal or business credit cards will be closed as well, I tried to reach out to JP Morgan many times and no one gave me a clear answer regarding my accounts being closed. 
I have been with Chase since XXXX and them closing my 5 total credit cards with them really hurt my credit and placed me in a bad position when I was trying to pay for my lunch at Panera, the young lady at the register asked me if this was my wallet or I found it somewhere because I tried to pay with many credit cards and all got declined. 
I have been getting my paycheck really late because my employer uses Chase for direct deposit and because I dont have chase anymore I have to wait 4 business days to get my paycheck. 
Lastly I had almost XXXX points with all of my chase credit cards that I had to take cash for which is only {$8000.00} if I would have used them on travel I couldve got over {$30000.00}.

Company response to consumer: Closed with explanation