vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
I had an account with XXXX/XXXX  that opened in XX/XX/XXXX. In XX/XX/XXXX, I underwent XXXX  for XXXX XXXX XXXX, and was off work for 2 months, and requested paperwork to utilize the Credit Protection Program called XXXX. I completed the documents and sent the paperwork from my Dr. After that, I never heard anything else, so I assumed it was processed and applied to my account. 

Later that year, after reviewing my credit report, I noticed a charge-off from XXXX and was bought by XXXX XXXX, who in turn was taken over by XXXX XXXX XXXX. In accordance with the FCRA, I had requested Debt Validation on several occasions, but was never sent any documentation in order to validate the debt as requested, but they continued to report it as a collection account on my credit report. Now come to find out, it was sent to Scott & Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and a lawsuit was filed in our local XXXX County Alabama courts. I was served by the court. 

I contacted Scott & Associates local office in XXXX, Alabama, and was told that if either paid the account in full or set up payment arrangements, they would place a hold on the court case until the account was paid off. I was never provided any sort of Debt Validation documents, although I requested them multiple times, as well as I have requested it through the credit bureaus as well, and it comes back as validated, but the creditor and credit bureau and collection agency refuse to provide documentation that I am entitled to by law. 

Time is of the essence since I have until XX/XX/XXXX, to make another payment of {$200.00}. I feel that this debt needs to be invalidated and all court proceedings and any judgments be stopped and cancelled for violation of the FCRA. I am also requesting a refund of the {$200.00} that I paid to Scott & Associates on XX/XX/XXXX. 

According to my rights under the FCRA and Fair Debt Collection Practices, all parties involved are in violation of my rights as a consumer, and I would like immediate resolution. 

Thank you for assisting me with this matter of the utmost urgency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My complaint is against Experian. 

I am unable to lock my credit with Experian. Their website is XXXX and seems primarily intended to get you to subscribe to their paid services, which presumably are easier to navigate than the free service. Experian requires a PIN to lock credit, but I do not have a PIN, and every time I try to search for the mechanism by which I can get a PIN issued ( or reissued? ), it sends me in a circle. Meanwhile, my credit report with them is unlocked, and my credit is unprotected! 

If credit reporting were the responsibility of the US government, and the government did as poor of a job as Experian, people would be up in arms. I have no idea why this absolute cabal of extortionary gangsters have so much power in our financial system.

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 2021-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a basic savings account with Citibank. On Saturday, XX/XX/2021, I attempted to log into my account, and kept getting an error message that my password was incorrect ( which it was absolutely the correct password ). I then hit the " forgot password '' to just reset the password, and received a message that online access to my account had been blocked and was prompted to call the customer service line. Over the course of the remainder of that afternoon, I called multiple times, each time either 1. being told that no information could be given to me or 2. being told completely different things every phone call. I was finally told that I would have to wait on a letter to be mailed to me to verify my account. 

It has been almost 2 weeks since I was first denied access to my account, and I have still received no letter in the mail. Each time I call, whether it's to gain access to my account or just attempt to close it and have the funds in my account mailed to me in a check, I am told that nothing can be done until I receive a letter, which is absolutely absurd. On my last phone call with citibank, which was today, the rep came back on the line and told me he simply could not help me, and that he would be terminating the call. He then hung up on me. My money is in this bank account, and i have no way of accessing it, nor closing my account, and Citibank refuses to assist me outside of mentioning a letter, that I have yet to receive after almost 2 weeks.

As of right now, I still have zero access to my account ( online banking ) or the money in it. I am being told to wait on a letter to arrive via USPS mail, that should have been here by now, and is still not here. We are in the middle of a pandemic, and I can not access my account nor can I close it.

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 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Per nstructions of XXXX ID # XXXX Fay Servicing Customer Service Submitted requried documents for short sale of my property. I called Fay Servicing several times to speak with some one about my short sale. I am always told hey can't help me and I must speak with XXXX XXXX. Ms. XXXX will not return calls and I can't get her on the phone. I have requested property foreclosure sale be postponed allowing me to sell my home. I would like for the investor for my loan to be contacted and made aware I have my home listed on the market for sale. Fay Servicing still refuses to assist me even though they have forced me to sell my home refusing to offer mortgage assistance. I requested a forbearance under the Cares & Hero 's Act. but they will not approve me.. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I sent merican redit cceptance A certified letter via usps tracking # XXXX which arrived on XX/XX/2021 at XXXX. In the mail I sent was documents they sent to me violating my rights saying I owed a debt when by law I know I dont. As well as invoices for the violations. Below 15 usc 1692c. C2, 15 usc 1692c. C, 15 usc 1692c. b, 15 usc 1692b. ( 2 ) and as I write this today XX/XX/2021 American credit acceptance came and repoed the car which is a violation pursuant to : 15 usc 1692c. C.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Today on XXXX XXXX I spoke with a Supervisor of the name of XXXX # XXXX. I explained to XXXX of an offer around the XXXX Holiday. When approved of new credit line of credit, a XXXX credit will be added to your bill. XXXX refused to stand by the offer an said he can only do XXXX credit only because that was the only offer they have current now. I told him I couldnt settle for that. I was promised XXXX credit around the XXXX holiday. I than spoke with XXXX Comenity Bank Care, she said they never offer XXXX credit it has always been XXXX there nothing she can do. I told XXXX am not here to Argue, please do what right an credit XXXX for opening a new account. I put my credit score on the line Believing that I would be getting a {$25.00} credit. I then asked the agent to please give me a Victorias Secret corporate office so I can get the issue resolved and I was giving the wrong number I am very disappointment and when this is all over please close my account. The experience I receive with this company was bad and I was made to believe that I was lying and trying to cheat the company out of {$25.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received notice from Chase Bank late penalty would include interest rate going to 29.9 % indefinitely. This is XXXX  and especially during a pandemic!! Where is the government oversite?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/2021, I initiated a business checking account at Bank of America, account number XXXX. The account was opened on or about XX/XX/2021. On or about XX/XX/2021, I made a transfer of funds into the Bank of America account in the amount of XXXX. On or about XX/XX/2021, after calling Bank of America, I was told that the funds were transferred into my account at Bank of America, and that the funds will be returned to me in the form of a cashiers check within 7-10 business days. On or about XX/XX/XXXX, I called a local branch at XXXX XXXX XXXX XXXX, XXXX, CA and spoke with XXXX XXXX who after speaking with Bank of America customer service confirmed that the account was being closed ; XXXX XXXX stated that I need to call Bank of America on or about XX/XX/2021 to confirm the issuance of the cashiers check. On or about XX/XX/2021, I called Bank of America but I was unable to obtain any information about my account. When I called the local branch at XXXX XXXX XXXX XXXX, XXXX, CA on or about XX/XX/2021, XXXX took my information over the phone ; later, on the same day, XXXX told me that she spoke with the back office who told her that I was once again had to call Bank of America on or about XX/XX/2021. When I called Bank of America on or about XX/XX/XXXX. XXXX, I was told that the account was in the process of being closed and that no information about cashers check issuance was available, and that the closing process could take up to 30 days.

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 2021-02-02 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: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I submitted to CFPB complaint XX/XX/2020 ( XXXX ) and CFPB closed the complaint upon the receipt of PHH Mortgage response ; I responded to the PHH Mortgage with entire year XXXX paystubs as well as a Hardship letter ; XXXX c/o PHH Mortgage affiliated with OCWEN responded with resending same Unaffordable Trial Period Plan XXXX with extended the period ; forbearance is still in effect ; however, I receive mortgage statements that includes missed payments and late fees and other charges related to missed payments. 
XXXX c/o PHH Mortgage failure to is acknowledge true income amount from XXXX paystubs ; failure to acknowledge XXXX PHH Mortgage XXXX miscalculating errors and continue using incorrect income information in processing creating enormous calculation error is not honesty in fact and it is UNFAIR XXXX c/o PHH Mortgage has not observed reasonable considerations imminent default is due to enormous increased mortgage {$1400.00} to {$2800.00} XXXX XX/XX/2020 ) during a Worldwide COVID Pandemic- ( personally affected ) not considering XXXX. 
Loan Modification can reduce your monthly payment to a more affordable amount ; Loan modification can lower interest rate extend the loan term. It is evident that loan modification is extremely beneficial. 
XXXX c/o PHH Mortgage/OCWEN have not exhibited good faith, fair dealing, ordinary care, honesty in fact, and observed reasonable standard of Loan Modification. 
This whole situation is incredibly distressing to the world and I would be able to make payments if fairly affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX bank charged off the account to Midland Credit Management I tried to tell them it was l already settled a identity theft and taken off my credit report and they hung up on me. This is NOT my debt I do NOT owe Midland Credit Management or XXXX bank this was a result of identity theft. XXXX $ is what they say i owe which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PR

Complaint narrative:
Account opened in my name and fraudulent, I never had a service with XXXX XXXX. Not sure where and when this account was opened. All I know is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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: NY

Complaint narrative:
I tried to close out my savings account by trying to withdraw the remaining balance of XXXX via robinhood deposit feature into my robinhood. The savings account blocked the transfer. I contacted them and they said once I deposit the amount that reverse and it clears my instant deposit will work again that was XX/XX/XXXX. So XX/XX/XXXX I deposited {$5.00} which completed and still no instant deposit. I then deposited another {$100.00} and I contacted them and told them it didnt deposit instantly they said once it clears XX/XX/21 my instant deposit will work. Yesterday I joined robinhood gold which states that I will have instant deposit Im sure that would work and I deposited {$2000.00} and still no instant deposit now I have to wait until. XX/XX/XXXX to invest this money. 

Should I try to sue for false advertising. Robinhood gold states I will have instant deposit and thats why I bought it. They also stated my instant deposit will work I have emails to prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
someone use my Social security number to open a checking and saving account at the TD bank by using online access. I had already close all the account at TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
Portfolio recovery services were contacted and proof that the expenses on that account were done by me. They replied back with a copy of the credit card statement showing the purchases but no receipt proving that was an authorized purchase done by me. in another word, the company was unable to provide proof and evidence that the purchases were done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
my account have been close since XXXX since then have not get my funds from them and i did get an email from them saying my funds have send back to sba i call sba and they did tell me they have not received any money yet i dont know what to do anymore because i have a loan with sba that as interest on it pls help me thank you

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 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a dispute over 45 days ago and I have not received any results or status of my investigation.

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 2021-02-02 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: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

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 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I disputed the following items with Equifax online ( XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX # XXXX. I was then given a confirmation number XXXX. See documents enclosed confirming this. 

On XXXX I disputed the following items with Equifax online : XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, and XXXX  # XXXX, and XXXX  # XXXX. I was given a confirmation number XXXX. See documents enclosed confirming this. 

On XXXX I went online to submit another dispute of erroneous information to found that the accounts I disputed back in XXXX XXXX and XXXX XXXX were still listed as under investigation. When I clicked on the " dispute not available button ''. it stated the account was still under investigation. See document enclosed confirming this.

I then checked the dispute status on both and confirmed with Equifax that these disputes had been completed XX/XX/20 and XX/XX/20. See dispute status enclosed. 

it appears that the accounts I disputed had been completed. However, Equifax has the accounts listed as still under investigation. This is a violation of the FCRA and my consumer rights. As they stated the disputes are to be completed within 30-45 days. it is well past that time and they have confirmed the disputes are complete. Whys are these accounts still listed as under investigation? Due to the fact that they failed to list the accounts in the correct status on my report- I request deletion of all accounts listed and included in this complaint. Failure to correct my report will result in civil litigation with a consumer attorney if not resolved expeditiously.

Company response to consumer: Closed with explanation