vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX Equifax sent me a promotional offer of {$9.00} per month with no expiration date to accept the offer. On XX/XX/XXXX I signed up for services and my account was charged for the {$9.00} but when attempting to log in the website told me I had no active product. 

When calling the Equifax contact center they told me on XX/XX/XXXX and XX/XX/XXXX that my account was not charged and therfore they refused to assist with providing a refund or activating the services. They were very unfair about the process and stated there was no way I was being honest about being charged {$9.00} for the product. I explained i had a bank receipt with the date and time of the charge and they would not accept this as proof. Equifax then tried to sell the same product for {$19.00} and this seemed like an unethical dales practice. 

On XX/XX/XXXX the contact center representative asked for my full XXXX digit debit card number and then admitted he would be turning off the call recording while I provided my sensitive debit card information. This seemed very unethical and I know realize Equifax contact center representatives have the ability to alter call recording procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been trying to have this issue addressed for at least the past 10 months. I have submitted all the documents that Experian asked for which proves that I have never filed for bankruptcy. Experian told me that a third party source informed them that I have. However, I reached out to the third party company which is XXXX XXXX. XXXX XXXX had informed me that the information that Experian is reporting is inaccurate. It seems that I can not get any help from Experian about this matter. I gave them everything that was requested, even a letter from my local courthouse stating that I have never filed a bankruptcy and also a letter stating that it was never reported from west Tennessee that I filed a bankruptcy. I dont understand why Experian is reporting this.

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 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I started an application with Citibank for a refinance of my home loan XX/XX/2020. 
After multiple requests for paperwork which I complied with, the loan officers did not review or process the loan until XX/XX/2020, close to a 5 months lack of action on my loan, causing me to lose out on interests savings. I withdrew the loan XX/XX/2020 after making multiple failed requests to my mortgage representative, XXXX XXXX, to accelerate the processing of the loan. The mortgage representative agreed that they did not deliver ( I have it on email ). 

I simultaneously requested for a refund of all the fees paid {$750.00} on XX/XX/XXXX that was intended for the processing of this loan ( all  evidence in email ), and since the bank did not do their part, I should not be expected to pay those fees. My mortgage representative did not make the request on her end and when I called her on XX/XX/XXXX, she said that I did not request for a refund and therefore she did not do it, which was untrue as I have since forwarded her the evidence of my requests. I would like to submit a complaint against this terrible service provided by Citibank and request for a refund of my fees.

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 2020-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.

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 2020-10-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Please remove these FRAUDULENT inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN BANCSHARES MORTGAGE, LLC
State: FL

Complaint narrative:
In early XX/XX/2020, my spouse and I found a home we were interested in purchasing. We had secured our financing with XXXX XXXX and were ready to move forward with putting in an offer on the property. My realtor reached out to the selling agent and was told we must use their lender. 

I was very concerned and voiced my opposition because I did not want to begin the process again, and we were happy with our lender and the work she had done for us. My realtor advised me that this was illegal for them to force us to use their lender but because we loved the home we decided to go through the process. 

On XX/XX/2020 ; my agent received the lenders information via email, and forwarded it to me to apply. 

My spouse and I applied to the mortgage, and once the application was completed the lender ) reached out. We spoke and I informed her that we had already secured financing with XXXX XXXX, and she told me that " If we did not use her services, she would not recommend to the seller to accept our offer, because she wants the business. '' She also stated that the seller relies on her recommendations on what deals to take, and that we would not get the house if we did not use her. 

This was extremely off-putting ; however we wanted the house and went through the process to apply for a mortgage with American Bancshares even though we wanted to continue our business with XXXX XXXX. 

We have now closed on the house, and have lived here for a month ; and I am getting emails from the lender stating they are selling the mortgage to an investor and we need additional flood insurance. 

I informed them that I would not be purchasing any additional coverage, and that the purchase of the investor is not my issue. 

This entire deal has felt extremely shady ; and even after closing things don't feel quite right. 

I have spoken to my new neighbors and many have had similar experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted my name change information to Equifax now three times. Both disputes I filed on XX/XX/XXXX & XX/XX/XXXX have been " completed '' by EFX stating my name change has DONE AS REQUESTED. Neither of these were done. Both times they changed/kept my name to XXXX XXXX which is my old name and the name I have been trying to change. My new legal name is XXXX XXXX XXXX which I have provided, my court documents, passport and drivers license showing the change. This is now preventing me from purchasing my new home on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/20 I was a victim of fraud that happened involving my GM Capital One MasterCard. The series of communications that I had with Capital One in the months since the event have been disturbing. Upon my initial call and attempting to explain that I was involved in a  phishing fraud was nearly impossible, as the customer service rep didn't understand what I was trying to state. Nonetheless, he stated that I had, " No worries ; Capital One has a zero liability fraud policy. '' As months went on, Capital One finished their investigation and placed the charge back on my card and said they don't cover that type of fraud. I made numerous calls after that. On XX/XX/20 I spoke to XXXX in the fraud dept. an she stated, " I feel sorry for you but everyone could say they were a victim of this type of fraud and scam our company. '' She basically did not believe me. I was finally able to file a police report when stations opened to the public with limited hours during the midst of covid. I sent the police report, with letter and documents to Capital One in Utah on XX/XX/20. On XX/XX/20 I. followup since I had heard nothing from CO. I then spoke to XXXX - a manager in fraud dept. and she proceeded to tell me, " We don't cover fraud when you assist with it. '' This woman accused me of being involved with a criminal act! She should be relived of her duties. No one going through this should be accessed of theft. She mailed out their fraud policy. Upon my review, and I had already been asked to review the policy in previous calls, NOTHING states this type of fraud is excluded. CO would not even put this balance in a " no interest accruing state '' while the police investigated. XXXX from corporate called me after I emailed their customer complaint center and said, '' Your card has a promotional balance I can give you for 15.7 % but that's the best we can do. '' The detective working on my case spoke to the CO Law enforcement dept. and he said they offered no assistance to resolve this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: MD

Complaint narrative:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX Please remove these FRAUDULENT inquiries.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My outstanding complaint is filed under three Complaint ID 's :  XXXX, XXXX, XXXX, but there seems to be no way to leave this message under my existing screen - maybe because your agency has advised me that the Credit Bureaus have responded and my case is closed. 
I complained because my credit rating was sharply reduced after several months of doing absolutely nothing to cause that reduction ( no new accounts, every account paid on time and several reduced to XXXX - though I didn't close those accounts since that would be a negative consideration ) This is why I would like to reopen my complaint : The credit bureaus were not responsive to my complaint. As they have all done - exactly as in previous years - was simply send me my complete credit history and a note summarizing the factors considered when determining a credit rating. After reviewing their response, it simply confirmed that my credit rating should NOT have been reduced but should, in fact, have improved. 
When I went back to the bureaus to point this out, each of them responded by simply sending me another copy of my complete credit history and the same summary of how a credit rating is determined. 
Therefore, my complaint has certainly NOT been addressed and the Complaint Numbers should definitely remain open. 
I truly wish that your agency would follow-up with the credit agencies to let them know that it's infuriating to receive that kind of standard response despite the nature of a complaint. 
It would also be of enormous help if your agency made an effort to convince the credit bureaus that they should post information on-line which would allow anyone to determine exactly why their credit rating was reduced. This would, of course, reduce the number of complaints to the Credit Bureau ( and to your agency as well ), and  would be a wonderful way of teaching people how to maintain a good credit rating. 
Please, Please, Please let me know that my complaint is still being worked on, as I will pass it on to the two Virginia XXXX who received my original complaint. 
Thank you so very much ... ... ... ... ... .... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
IN RESPONSE TO CFPB : XXXX PRA ACCOUNT ENDING IN XXXX OR ANY ACCOUNT ASSOCIATED WITH MY SOCIAL Whom It May Concern : According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with th

e Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Alleged Name and Address of Credit or 1. Name on File of Alleged Debtor : 2. Alleged Account # : 3. Amount of alleged debt : 4. Date that this alleged debt became/becomes payable : 5. Date of original charge off or delinquency : 6. Amount paid if debt was purchased : 7. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 8. Furnish a copy of the original promissory note/agreement redacting my social security number to  prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

9. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations,
associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any  furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Do not recall the date Wells Fargo Credit Card was issued or the exact date the Account was closed, but Debt was XXXX XX/XX/XXXX via my Bankruptcy ( Sole ). Upon waiting the required 2 years to seek a Home Loan ( Jointly ), the financial institution alerted us of the negative activity on my Wife 's Credit Reporting History. The collection amount detailed was {$4600.00} that was past due. My Wife never received any notice of collection from Wells Fargo. Upon contacting Wells Fargo in XX/XX/XXXX, it was explained that my Wife never filed or requested a Credit Card from Wells Fargo individually, Jointly or as a Co-Applicant. The first Representative of Wells Fargo I spoke with confirmed that my Credit Card Account was closed and XXXX via my Bankruptcy, but the Representative indicated that my Wife 's Debt was also discharge via my Bankruptcy because of our residency in Texas, which is I was told is a XXXX XXXX XXXX and that when I discharge my debts via Bankruptcy the Joint Account with Wells Fargo was also XXXX. However, I explained that I do not recall or remember requesting Credit or Credit Card for my Wife. An official Dispute was filed in XX/XX/XXXX and explained the aforementioned information. I was told the investigation would take 30 days and a decision would mailed. Till this date ( XX/XX/XXXX ) no written response has been received and despite multiple attempts by telephone I have not received a decision or a course of action from Wells Fargo.

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 2020-10-23 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: U.S. BANCORP
State: TX

Complaint narrative:
I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only XXXX on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.

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 2020-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
XXXX I got behind on my mortgage by {$2800.00}. I asked the mortgage company, XXXX, if I could make payments, and they turned me down. I got calls from lawyer 's offering me to help me get a loan modification. I chose XXXX XXXX out of Florida. I finally sent in all of the information they requested, along with {$2800.00} and, they began to work, I think. After a few months, I received a call from XXXX stating that the loan company accepted the loan modification application. Since the loan company wasn't accepting any payments from me until the @ XXXX dollars was paid in full, months had passed. In another month or two, I received a letter from XXXX XXXX stating that the loan modification did not go through ; no phone call this time. More months had already passed. I got a notification of foreclosure and filed for Chapter XXXX bankruptcy in XXXX. I have been paying on the bankruptcy for four years, and still haven't paid off the delinquent amount, although I have paid to date {$79.00} XXXX. My bills, including the arrears of {$19000.00} were {$68000.00}. My concern is that the mortgage company, Freedom Mortgage, who obtained my contract from XXXX, has placed me on a variable rate loan. When I entered the bankruptcy, I was in a fixed rate loan. I did not authorize, or sign any paperwork changing my rate from fixed to variable. Freedom Mortgage raised my mortgage {$840.00}. My payments were {$850.00} going in, until recently, my payments were {$1600.00}. I received a letter stating that the mortgage has been reduced to {$1000.00}. Is it supposed to just change without my consent? I think once the bankruptcy is over, I will lose the house that I have tried so very hard to keep. 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 2020-10-23 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: U.S. BANCORP
State: FL

Complaint narrative:
Purchased sailing vessel and obtained loan XX/XX/XXXX. 
Loan satisfied XX/XX/XXXX and received documentation of the same from lender, USBANK. 

XX/XX/XXXX phonecall to bank and told title would be mailed within a few days Called twice more within subsequent 4-6 weeks and told title still in process. 
Called XX/XX/XXXX and told title was indeed mailed to my correct home address on XX/XX/XXXX, I did not receive it. It was mailed 1st class USPS. No tracking. 

US Bank still trying to find title, but suspect it is lost.

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