vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
MANY INACCUARIES LISTED IN CREDIT REPORT. CONSUMER REPORTING AGENCIES MUST REPORT 100 % ACCUARCY. 

PLEASE SEE ATTACHED.

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
When I use XXXX, Citizens Bank Credit Card treats the charge as a cash advance and charges me {$10.00} plus interest for each transaction. XXXX says it's Citizens fault and Citizens says it's XXXX. I get nowhere with either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 I recieved a text message from BOA asking if I had approved a transaction at XXXX. I texted back no and I got a response of someone will be in contact. I missed the call 10min later so I called the number ( BOA on caller ID ) back. It was the BOA hotline number so I decided to hang up and take care of this after work. About 5 min later I got another call from same BOA number and I answered it as I had verified the number was in fact BOA. On this call I was told there was a lady named XXXX who was trying to transfer money with my XXXX from my savings account. This guy walked me through how to secure my XXXX with a new number and then we did some transfers of {$1800.00} ; {$1300.00} ; and {$400.00}. I recieved texts from BOA with codes and I did not share those codes with him but he still could walk me through EVERY step. The next day he called back ( as he said he would ) and he said we now had to transfer those funds back and gave me another XXXX number. I stopped recieving texts from BOA at this point and he got wierd. He said he would call back a XXXX day. He never called. At this point I called BOA ( XXXX. XXXX, XXXX  ) and talked to a XXXX. I asked " How do I know that this guy was actually with BOA? '' She said she saw an employee number attached to my account as having talked to me andso I had in fact spoke with some one from BOA. The only thing she saw wierd was I had a notice to go to a banking center with 2 forms of photo ID. I went the next business day ( Monday XXXX XXXX ). At this point the lady at the banking center called teh fraud line and we filed a complaint. We opened a new savings account and I was told I would get my money back as this was " clearly a disgruntled ex employee who knows how to hack. '' I was denied my claim 10days later. I called the fraud line again and the lady that time said " you need a scam claim not fraud '' so we refiled my claim. She said she saw the money was sent to a XXXX bank and they would work to get money from XXXX Bank. This scam claim from BOA was denied as well and we recieved another letter stating XXXX bank also denied giving us the funds back. That was today XXXX XXXX, 2022.

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 2022-09-26 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: GA

Complaint narrative:
I submitted my FTC report, Identity theft report, a copy of my utility bill, and a copy of my ID to Experian and XXXX supporting my claims for the fraudulent account on my consumer report, XXXX XXXXXXXX XXXX, XXXX. Experian and XXXX both received my complaint on XX/XX/2022. I also asked the consumer reporting agencies to block and remove this account from my consumer report. XXXX has since removed this account from my report. Experian has not. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have sent all of that and Experian has not removed this account from my consumer report as of XX/XX/2022. It's just showing account is under dispute. Remove this account.

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 2022-09-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 2022

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 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My husband was ill and passed away, we lost the main income overnight. I also lost my income, I tried to negotiate with the bank to try to do a modification, recently I tried to do a short sale to preserve my credit and maintain hopes that in the near future if my financial situation turn around I will be able to purchase a home for me and my family. The lender has stalled my request for mortgage assistance as they have denied a 3rd party authorization to speak on my behalf, although I have granted them permission. The mortgage has many violations 1st the lender does not have the original mortgage note and has not presented the original mortgage note 2nd the lender has not acted in good faith to resolve this matter with me 3rd the lender although I had covid and my family was ill the mortgagor did not acknowledge or offered me any COVID relief during the period that I had XXXX 
4th the mortgagor failed to comply with XXXX XXXX, XXXX & XXXX Finally I would like a full copy of my mortgage records to be forwarded to me from the lender which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws. 
5th I reached out to the bank 's attorney on several occasions to tell them my deceased husband who was on deed passed away before the judgement of foreclosure was filed. They never served his estate in the foreclosure proceedings. They are not supposed to auction the home without letting his estate know. My husband passed in XX/XX/2015 and the judgement of foreclosure was filed after his death. 

I've attached one of the most recent emails sent to the bank 's attorney regarding the estate issue. To which they said they are still waiting on the bank to respond to. It's been a week since the last email and they were called today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Car leased by my father and mothers trust thru Toyota Financial Services was due to expire on XX/XX/22. The trust desired to purchase the vehicle so a cashiers check and forms were supplied by XX/XX/22 via XXXX. Told would receive title in 7-10 business days. Questions were asked via the online platform why payments and late fees continue to show up on the online dashboard. Told it is automated process if the payment was 10 days late. It is not owed so don't worry about it. On XX/XX/22 was notified that required docs were not received. They were in the same XXXX envelope as the cashiers check. I resent the documents via the Toyota Financial Services support system online and requested completion of the transaction. Spoke with a rep ( XXXX XXXX and he said he would take docs to processing personally. He said could take 2-4 weeks to get a title. On XX/XX/22 I called another rep XXXX? ( its never the same one ) about continued late notices being received. She informed me the payoff was received on XX/XX/22 and processing should be complete at the beginning of the following week ( XXXX XXXX week ). I called the following week XX/XX/22 plus or minus a day and was told there were issues because my signature did not match the original purchaser. I told them that is true, he died and I am a trustee of the trust that leased the vehicle. I sent several more forms regarding trusts etc. XXXX XXXX in Arizona office was very helpful and followed up with me several times and got it to the point of payment being accepted and everything was in order. She requested her boss to authorize O/N delivery of the title and I thought we were done ( as did she ). On XX/XX/22 I called because no title had appeared and talked to a new Rep and he told me the title was sent out via regular mail on XX/XX/22. It was sent to the po box mailing address on the original lease. I called again on XX/XX/22 because no title has appeared in the mail and was told by another rep XXXX XXXX ) that processing was finished on XX/XX/22 and the title was sent out on that day. She stated a request was in the record to send O/N but was unsure if that was followed or not. I then asked to speak to a supervisor to see if that information was attainable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Invalid Regular Inquiry on Transunion Report - XXXX XXXXXXXX XXXX dated XX/XX/2022

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 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I told them i dnt know what deft they are talking about i dnt own anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: ProCollect, Inc.
State: TN

Complaint narrative:
In XX/XX/2022, I moved into XXXX XXXX XXXX XXXX due to an ice storm damaging my primary residence. My insurance company paid for the bill through the XXXX XXXX. I moved from the apartment on XX/XX/2022. I had a walk through with their maintenance man. He pointed out manor damages. ( A torn blind, etc. ) About {$100.00} worth of damages. About 15 days later XXXX XXXX sent a final bill stating the ENTIRE carpet needed to be replaced because of dog XXXX. XXXX and I paid a pet deposit and a monthly pet fee. XXXX and I both requested pictures of the damages. XXXX XXXX stated that a " carpet specialist '' inspected the carpet after I moved out and DREW a diagram of where the carpet was damage. The also statement the padding had to be replaced so the carpet could not be cleaned. XXXX, XXXX XXXX and I all refused because XXXX XXXX did not provide proof of the damage. Now the bill has been given to a collection company and is affecting my credit. 

ProCollect , Inc # 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 2022-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I noticed a debt from Wakefield and Associates for {$2100.00} on XXXX and {$2200.00} on XXXX both for the original creditor name of XXXX XXXX XXXX XXXX. I called the original creditor and they stated they had no record with the dates on my credit report. I contacted the debt collectors via telephone today and they stated my balance was XXXX. I asked about the difference in the balance and they stated that they are charging interest on the debt. I believe this is a fraudulent debt and they are reporting several inaccuracies between the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
1 ) Closing on new home ( new construction + new address ) XX/XX/2022 XXXX ) Home owners insurance done through broker 3 ) Insurance company sent me physical mail 4 ) USPS failed to deliver due to couldn't find new address ( my assumption ) 5 ) Because of that ( I did not respond to mail ) insurance company cancelled insurance 6 ) Mortgage company ( Crosscountry ) contacted me saying " you do not have insurance '' 7 ) I bought different insurance and provided it to Crosscountry 8 ) Now Crosscountry saying that i did not have coverage in the past for 34 days and demand proof of coverage 9 ) I called several insurers - noone provides insurance for time in the past 10 ) Crosscountry threatens to charge me about {$1000.00} for time in the past were i have gap in insurance - my total yearly insurance is about {$2200.00} 11 ) To me it is a highway robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: VA

Complaint narrative:
Account opened : XX/XX/XXXX Original creditor : XXXX XXXX Account now owned (? ) by HUNTER WARFIELD XXXX Balance : {$7700.00} Date updated : XX/XX/XXXX Pay Status : Collection I called Hunter Warfield to find an account using my name and the representative couldn't find anything. She asked for my social security number which I refused to give because I wasn't sure if this company was behind this potential scam. The representative told me she could not help me out since I refused to provide them my SSN and she provided no other alternative or workaround to search up this account. I have no idea what this account is, who created it, or why it's on my credit report. The first time I even heard of this company was yesterday when I requested my credit report. I have not heard or received ANYTHING from this company before then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I MsXXXX XXXX, Have a dispute with XXXX XXXX XXXX mortgage loan account # XXXX This dispute is regarding the property address XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX, This loan was open with XXXX in XXXX loan amount XXXX XXXX being the first mortgage holder, and Chase being XXXX second. XXXX loan was a conventional first stand alone XXXX mortgage loan amount XXXX both loans happen in XXXX in XXXX me and my husband experience a hardship and apply for a modification with the first mortgage XXXX in XXXX, we was not given a modification until XXXX, The new loan amount after paying for 9 years totalXXXX we later question XXXX about the second one we had with them and they reduce our XXXX dollar payment for the XXXX loan to XXXX dollar and gave us a new modification loan although we did not have any missed payment with them they change the payment and added the deferred amount of XXXX to be added to what we still owed XXXX from the original amount this is nine years later, we recently pay off both loans in XX/XX/XXXX, and XXXX XXXX a late payment report to the credit bureau of a missed payment for XXXX which is not true. XXXX escalation department stated that they will not change the report and it will be on my record for seven years but they can see that I paid and refuse to amended 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 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I was contacted by phone from Midland Credit Management in XXXX  at the outbreak of the pandemic. I told them then to cease and decist and that due to loss of income from the pandemic I was not able to pay them. Today, I received by mail a pre-legal notification. I contacted them and my number was dialled into a call centre in XXXX, not in the United States. I do not appreciate that. When I ordered them cease and desist in XXXX, it meant no communication from them was wanted. According to the letter, I received was the division manager and his name was XXXX XXXX. I would like to hear from him personally and not some madarchod in XXXX, who can barely speak English. I believe that Midland Credit Management is indifferent to the hardships caused by COVID and that they are cold blooded in trying to collect a debt from someone who has told them of a hardship. If they get an attorney to review my case, not only will I file another complaint, I will also contact the proper authorities in my state to get that attorney either suspended or disbarred all together. It would not be my first time doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has been inaccurately reporting on my consumer credit profile since XXXX of XXXX. Ive reached out via email & certified mail multiple times to no avail. I also understand this is a direct violation of, but not limited to ; 15 USC 1681-furnishing a consumer report without consent, 15 USC 1681 [ A ] [ 2 ] [ B ] furnishing an account that was created from a credit card or similar device, 15 USC 1692J furnishing a deceptive form to make the consumer believe they owe a debt, 15 USC 1602 ( k ) drafting a contract or similar instrument in which the consumer can not adequately understand.

Im asking you to help remove this charge off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I attempted to update the information and addresses on my credit report. However, I was blocked by each of the credit bureaus. When I called to update my report via telephone, I was informed by the bureau representative that XXXX XXXX and Indigo are the reason. They reporting a status of charge off each month and then closing the account. This is why I am not able to dispute the incorrect post office address portraying as a residential address that is currently in someone else 's possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
PHH mortgage stated that I must have my " Borrower Acknowledgement '' form dated and signed in the presence of a notary. The following request was completed and returned to PHH mortgage prior to the deadline provided. I received another document from PHH mortgage dated on XX/XX/22 stating that the agreement received was missing a co-borrowers signature or the signature was illegible. This is a false statement as I have a " LEGIBLE '' copy of the original document signed on XX/XX/22 by " BOTH '' borrowers ... XXXX XXXX XXXX and XXXX XXXX. This document was completed in the presence of a notary. 

Please see the attached documents proving their reason for not finalizing my loan modification was false. 

I have had numerous complaints filed against this company and unfortunately their lack of professionalism and knowledge pertaining to my loan has not only affected my interest rate but my credit history as well. I hope the federal and/or state government holds the responsible for their mistakes.

Company response to consumer: Closed with explanation