vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: MA

Complaint narrative:
On XX/XX/2021, I requested fro an estimated rate by filling the online inquiry on XXXX XXXX XXXX website. I consent to the soft pull. After that, I received an email with a link written " Click here for your personalized mortgage rate quote '', and it brought me to the home page of XXXXXXXX XXXX XXXX website, which did not provide the quote that I requested. On XX/XX/2021, after I filled the online inquiry, someone called me three times and I assumed that's from XXXX. However, I was not able to answer it because I was at work. It means that I never had a chance to speak with someone from XXXX until XX/XX/2021. On XX/XX/2021, I found that my credit was decreased due to the hard inquiry made by XXXX. I sent an email to their customer service and told them I consent to a soft inquiry but they did a hard inquiry. They replied and claimed that " I took it a step further and authorized a hard pull to be done '' the next day. I then asked them how's possible that I gave authorization by only filling the online inquiry, but they never respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX from Ally financial continuously calls throughout the day without leaving messages. 5-6 times daily to me and my spouse. No written notices or voicemails. Now they have started calling family members outside of what is on our agreement. We were told by XXXX that he found the numbers through public record to include calling XXXX XXXX XXXX XXXX while 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 2021-04-09 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: AES/PHEAA
State: MA

Complaint narrative:
Hello The fraud I experienced involves involves my student loans with the U.S Department of Education and Fed Loan Servicing. In 2018 ( I was recovering from XXXX XXXX ) and I was contacted by an agency that said their name was " XXXX XXXX XXXX. '' They also went by the name " XXXX XXXX XXXX. '' I am a licensed social worker in MA and this agency informed me that I was allegeable for a public service or loan forgiveness program, as I worked and continue to work for a non-profit. They had me complete some paperwork and then told me I was accepted for loan forgiveness and instructed me to stop making loan payments. I later learned that I had been scammed. They took money from me and I missed 4 loan payments that are now on my credit report. I did submit a " Direct Credit Dispute Form '' with Fed Loan Servicing and provided evidence of the fraud. Fed Loan servicing agrees that I was scammed but stated that I must contact FTC to make a report. I did submit a report with FTC - but it says clearly that its just for reporting but can not solve the issue. The FTC voice mail instructed me to contact Consumer finance to submit a report and provide evidence of the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 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: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed information with Experian for inaccurate information reporting on my credit file and haven't gotten any updates. It's over 30 days and still no response from the company regarding the disputed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Please reference XXXX. NMAC 's responses were very colorful and generally accepted. However, their answer to the title release is erroneous. 
From : XXXX XXXX XXXX I found their answer to be incorrect. 
" The Electronic Lien and Title Program ( ELT ) is a paperless method that allows TxDMV and a financial institution or lienholder to exchange vehicle title information electronically. The title record is sent electronically and the lienholder stores the electronic record instead of a paper certificate of title. The electronic title is created and held by TxDMV in the state motor vehicle database.

Title applications are submitted and processed through the local county tax office. Under ELT, when a lien has been satisfied, the lender must submit an electronic release of lien. The lienholder is then removed from the record, receives an electronic notification and a paper title is sent to the owner. '' I am suspect that the lien was released. I would like a Lien Release Letter, on NMAC Letterhead, duly notarized so I can go get a " Certified Copy '' of the title. There is an expense of time and money to accomplish this. Perhaps NMAC would like to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have an account with XXXXXXXX XXXX XXXXXXXX listed as closed on my report but it shows a balance {$280.00} which I do not owe. This account has been disputed with Equifax last on XX/XX/21 but many other times before. They failed to investigate or even respond to my dispute. Also, they are violating my rights because they have never marked the account as being disputed according to FCRA. This account is also being illegally re-aged by the bureaus. At this point, I want this account deleted due to inaccuracies, errors, and being incomplete not to mention the creditor has never validated this alleged debt. I included tracking numbers of all letters attempting to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed information with XXXX for inaccurate information reporting on my credit file and haven't gotten any updates. It's over 30 days and still no response from the company regarding the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 
I have not been able to get help from them but I just remembered I could file a report on here, as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. 
They are also holding my money too for over 180days, and everyone needs money during this rude period of covid19. 
My email linked to my PayPal is " XXXX '' Thank you so much for your help : )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
I lost my job due to the COVID-19 pandemic. XXXX XXXX XXXX and California public health officials have issued shut down orders to prevent the spread of COVID-19. We are 5 people in our family me my wife and our 3 kids. we have no money and our mortgage company is not giving a forbearance option, my business is still shut down, and have not got the approval yet from the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX to reopen our business, Our XX/XX/2021 mortgage statement shown we had positive {$1100.00} positive escrow balance and I requested from lender to release it back to us that way we can buy some food and kids school clothing but I don't know what they did with the money, we are getting $ XXXX  monthly food stamp for 5 people which barely get us by, I try to get a job but no luck and also no luck for reopening our family business. also, they add a late fee every month on our mortgage even though we were on the forbearance with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I did not know that a major well known credit card company would not offer an account to card member on an account. They charged on my account so much that I had to cancel it, I think that they misunderstood that the primary card holder gave them an opportunity, but is not to be held accountable for their expenses they charged, I no longer have any contact with this person, that abused my credit and kindness for weakness. I have received scams calls from American Express from the XXXX area code when I did have this company credit card payments were to be sent to XXXX XXXX, but the customer services was in XXXX XXXX, Tx I dont know where American Express is located today but I do know that is not in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
We started the refinance in XXXX with TD Bank. All papers were submitted by XXXX. We changed over our homeowners insurance to list TD Bank as loss payee as requested. We have several times gotten a payoff amount from our current mortgage company as requested for closing. We were credit approved in XXXX. We were told numerous times that we were close to closing but would need to lock in the rate for 5 days a fee, leaving us to believe that we would be closing within the next 5 days. It is now XXXX and we still have not gotten a closing date nor a reason why not. Our emails requesting status updates go unanswered. We now have to start the process all over with another lender and have wasted 9 months. We had to pay for an appraisal. And I fear the good rates have now gone up and we missed out on them waiting for TD Bank to give us a closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my account for no reason, and I cant give a reason. I have used Bank of America for more than three years and the account was closed, but the account was about XXXX, but a check of XXXX was returned, and another XXXX has been about 8 months so far., I have never returned or exchanged, I have been pushing to call customer service, and have not given an accurate answer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
QUESTIONABLE BALANCE OF {$4700.00} FROM XXXX XXXX XXXX? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I received a card in the mail from card.com, sponsored by XXXX. I have a freeze on my credit because someone is desperately trying to open accounts with my information. XXXX refuses responsibility and refers me to the number on the back of the card which is to activate the card. I contacted XXXX  through email and they still decline responsibility. Card.com is nearly impossible to reach by phone. It is a bot which says my information doesn't match ( likely they changed it by now ). I can not understand how they approved the account and they won't reply to my emails to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Unauthorized XXXX transactions were sent using my Bank of America account, and mobile device. Bank of America denied my claim, even though Ive never ever sent money to the party that received the XXXX  transfers. They denied one of the transfers, and allowed the rest to be processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 17 accounts on my credit report that do not belong to me now I started my dispute back in XXXX of XXXX when I pulled my report and saw this disaster I got on the phone with the bureaus and they wanted me to send out a written dispute since there was so many accounts. I have received nothing back from the bureaus regarding this matter this is identity theft and I will fight this. 

XXXX XXXX - Acct # XXXX Amt {$680.00} XXXX XXXX  XXXX - Acct # XXXXAmt {$1900.00} XXXX XXXX- Acct # XXXXAmt {$980.00} XXXX XXXX Acct # XXXXAmt {$1500.00} XXXX XXXX CARD SER - Acct # XXXXAmt {$1000.00} XXXX XXXX- Acct # XXXXAmt {$920.00} XXXX XXXX- Acct # XXXXAmt {$24000.00} XXXX XXXX-Acct # XXXXAmt {$0.00} XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$140.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$1400.00} XXXX XXXX XXXX Acct # XXXX-XXXXAmt {$690.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} XXXX XXXX XXXX- Acct # XXXXAmt {$990.00} XXXX XXXX XXXX- Acct # XXXXAmt {$1000.00} Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-04-09 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I've filed a dispute with the credit bureaus in regards to inaccurate items on my credit report. it has been over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Investigation took more than 30 days
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I've filed a dispute with the credit bureaus in regards to inaccurate items on my credit report. it has been over 30 days and i have not received any investigation results

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