vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by XXXX. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: SC

Complaint narrative:
I received a debt collection notification from Revco Solutions on XX/XX/XXXX dated XX/XX/XXXX. Rebel claims that I owe {$110.00} in outstanding medical debt from XXXX XXXX from a device worn in XX/XX/XXXX. I have disputed numerous times this amount asking each time for an itemized breakdown of the original {$990.00} charge prior to my insurance payment. Revco sent a response to my dispute on XX/XX/XXXX dated XX/XX/XXXX stating I still owed the debt again with no itemized breakdown of the {$990.00} charge. Based on the Fair Debt Collection Practices Act, I feel the continued unwillingness and failure to provide this itemized breakdown of the charges is fraudulent and unjustified. I am becoming increasingly concerned that I am being victimized by Revco and its unfair debt collection practices. Please investigate this issue and I have attached copies of these notifications for your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: GA

Complaint narrative:
Equifax is reporting a charge-off account from XXXX XXXX. I disputed this inaccurate account with Equifax nearly 60 days ago. This report was included in an inaccurate bankruptcy account that has been deleted. Consequently, this account must be deleted/removed as the other associated accounts were.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have sent GM FINANCIAL a CEASE AND DESIST on XX/XX/XXXX with green return receipt which they have mailed back as you can see in my previous complaint. A cease and desist in law is used to tell the other party to stop all illegal activity and stop all communication through any medium. Today I received a deceptive form from GM FINANCIAL Pursuant to 15 USC 1692j, pursuant to 15 USC 1692c ( C ) GM FINANCIAL should only be communicating with me about terminating further efforts to collect a debt, to invoke my specified remedies which i did already and that i intend to invoke my specified remedies which i did already as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I want my statements and documents in XXXX. TD Bank and Target store have indicated they can not. This is against ADA Compliance requirements and even if it is not specifically, I ask these 2 companies, should they? The specialist who tried to assist was actually very nice and in her way tried to assist by informing me I could use my XXXX or XXXX to listen to my statement like her ex boyfriend who went XXXX 3 years ago. She tried her best to assist, and not her fault. There is NO ADA Compliance controls at these 2 Firms and it seems XXXX or people who lack certain abilities, are in a tough spot. I have always admired Target and TD Bank, and it is unfortunate we are dealing with this situation this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
I am going to get straight to the point. Experian is continuing to ignore my requests. This is despite me sending two separate dispute letters AND filing a complaint against them. After that complaint, I sent another dispute in XXXX AND THEY IGNORED THAT AS WELL. If a proper investigation is not initiated by Experian, I am going to file a lawsuit against them. I will no longer tolerate their inaction and their flat out ignoring my investigation requests.

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 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inaccurate Account - XXXX XXXX XXXX This account is reported as 2 entries in Transunion. One entry stated open account. The second stated this account as a collection. No report of this account in XXXX or XXXX. I have no knowledge of this account. Please delete as this violates the FCRA in reporting. 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 2021-06-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage loan was transferred to Shellpoint Mortgage Servicing from XXXX mortgage servicing in XX/XX/XXXX. Prior to my loan being with XXXX it was with XXXX XXXX XXXX. Whenever I made any extra payment on my loan, regardless of if there were late fees or any other outstanding fees due, i was always told by both XXXX and XXXX agents that the extra I paid would go into a suspense account. I always had fees owed with both XXXX and XXXX and they never subverted my extra payment into fees. 

On XX/XX/XXXX I contacted Shellpoint to ask questions about my escrow and during the call I asked what amount did i have in suspense. I knew there should have been an amount there because for the past several months we had paid over our mortgage payment. To my surprise and astonishment the Shellpoint agent informed me i had XXXX dollars in my suspense. I asked her where did the money go. She told me Shellpoint had been taking my extra payments and instead of applying them towards suspense as my extra payments have always been applied - shellpoint had been paying off late fees with my extra payments. 

I never agreed to this. I never consented to this. I was never informed of this. When my loan transferred from XXXX to Shellpoint my servicing agreement should have stayed the same in regards to how my payments were being applied. I was only informed that the company handling the loan servicing would change. There should have been no other changes. 

This is a breach of contract. 
This constitutes a misapplication of my mortgage payments. The late fees and all other fees, as XXXX and XXXX had both explained to me would come due and owing when the loan is paid out. They were never taken directly from my mortgage payments. I had come to rely on the suspense account to help me weather financial difficulties. 

Also, per new mortgage servicing guidelines adopted by the CFPB in XXXX - any extra payments made on the loan would be applied towards the suspense account. 

So Shellpoint Mortgage is wrong to take my extra payments and subvert them into fees instead of suspense. I demand my extra payments, from the time my loan was transferred or before if applicable, be returned to the suspense account. 

I also request to be provided with my full servicing agreement which bears MY SIGNATURE. In other words my ORIGINAL servicing agreement and all others that BEAR MY SIGNATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I went to Costco to sign up for an ordinary membership. The clerk filled me out for a CostCo credit card. I told the clerk I did not want the credit card because we already had an ordinary one we use. Today in the mail I received my CostCo credit card which I explicitly said I did not want to sign up for. I called the company and cancelled the card/account today but want to file this complaint to hopefully help the next guy this happens to.

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 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a call from my mortgage officer that there was a fraudulent account reported by Capital One Bank on my credit report. I have no knowledge of this account, have never paid or received a bill. I was told that the account ends in XXXX. Now, Capital One is reporting to XXXX  that the account number is XXXX. This fraudulent account does NOT belong to me. I have never received a bill or paid a bill for a Capital One account ending with XXXX or XXXX. I immediately called the Capital One phone number XXXX, asked for Security, spoke to a rep ( XXXX ), who opened Case Number XXXX. She explained that their policy was to stop reporting this account to the three reporting agencies, conduct an investigation, and respond back in XXXX days. Received a blank Identity Fraud Information Form from Capital One on XX/XX/XXXX, completed and sent it to their fax number XXXX with my MD Drivers License photo and SSN card. I have placed calls to find out the status of my report with no response. I have called their Fraud Line XXXX every week and consistently get the run around that they are either working on it or that it is my account because someone stole my personal credentials. The account is still showing on two of the three reporting agencies. I have filed a dispute with XXXX XXXX, and XXXX. Only XXXX has resolved this issue. I have received XXXX Dispute Confirmation XXXX to find that Capital One has deceitfully switched the fraudulent account number to XXXX. I need to have this issue straightened out and am upset that I have continued to be a victim of Identity Theft. I believe that Capital One has not worked on this investigation properly and very irresponsible in not contacting me on the status or trying to resolve this issue. I am unable to understand why this bank runs media advertisements to present themselves as an outstanding company when they are unresponsive, disorganized, and dishonest. It is now XX/XX/XXXX and Im still unable to have them stop reporting this fraudulent account. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
To whom it may concern : We are filing a complaint against a First Citizens Bank to know the true reason for our account closure. 

We were contacted one-time, by certified overnight mail XXXX XX/XX/2021, that our business account would be closed XXXX XX/XX/2021 because they can. The letter entailed, " ... First Citizens Bank reserves the right under the terms of its deposit account agreement to close a deposit account at any time for any reason. '' There letter read, that they, on multiple attempts, attempted to contact us. This can be proven to be not true. 

We contacted XXXX XXXX, Area Vice President & Area Executive XXXX  XXXX XXXX XXXX, XXXX XX/XX/2021 with questions regarding our account closure. He explained that our account had been under review and that there were multiple red flags. Never being made aware of any review, we asked for proof of wrong doing. 

We banked with this Organization for over three years and had very limited communications due to our account never having issues. 

On XXXX XX/XX/2021, XXXX was approved to extend the termination of our account through XXXX XX/XX/2021 and still offered no report to support the accusation that there were multiple red flags. He said their finding are for internal use only and he is not allowed to provide us with any support for their accusation. 

We believe that our account was close in retaliation to one the Partner 's spouse quitting her position at First Citizens Bank located in XXXX, Washington. 

Because we are a XXXX XXXX XXXX, we fear that XXXX might have played a part in the quick and unprovoked closure of our account not considering we might stand up for ourselves being small business owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I recently pulled my credit report and I am a victim of id theft. someone has stolen my identity, I want to investigate these fraud accounts and press charges.

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 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Abrahamsen Ratchford, P.C
State: PA

Complaint narrative:
On XX/XX/2020 I was approached but someone from Ratchford Law Group PC at my residence. I was handed a letter and was told that I was being served and that I had to make payments or criminal charges would be brought against me. The letter states that I owe XXXX XXXX XXXX {XXXX}. Under ( 15USC1692f ) a debt collector may not use unfair or unconscionable mean to collect any debt! This is the first violation. The second violation with this is ( 15USC1692e ) false or misleading representation. This letter states I owe {XXXX} but my credit report states I owe XXXX XXXX XXXX XXXX This is a clear violation and shows that this company is attempting to collect a a false amount from me that is not owed or had been validated. Under ( 15 USC1692 ( d ) no debt collector can engage in any type of harassment to abuse to any human with the collection of a debt. As I stated, someone from this company was at my home and threaten to purse criminal charges if I did not pay. Furthermore, this letter also has many violations of my consumer rights. Please find this letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NY

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to these companies. It is been 55 days and I have not received a response from the bureaus or companies listed. These companies have yet to validate my request and the negative information in my report does not belong to me. I sent a letter with documentation requesting to prove the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 55 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the XXXX and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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:
I have been reaching out to Experian in regards to the fraud that was being committed by reporting that I have late payments on my consumer accounts, also known as my credit report. For months I have called, sent letters, and till this day have yet to get this removed from my report. Since this was a consumer transaction that used my credit card ; my social security number, it should not have a late payment as my report should not contain factual information arising from a consumer transaction. This also infringed upon my rights as I never gave Experian the written permission to furnish this on my report as well. I feel that I am being unfairly taken advantage of. 

I am who I say I am and this is not a third party filling out this complaint. 

attached you will find exhibits to further my complaint.

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