vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
LAKEVIEW Loan servicing by XXXX has not paid my insurance which is escrowed. I only found out because I got a notice from my homeowner 's insurance company that my policy has expired. I called XXXX and they told me it was my fault because I did not send them the bill. I have never sent the mortgage company a bill EVER in owning multiple properties until this horrible company bought my loan. I uploaded a copy of my insurance to XXXX but they still haven't paid it. I made a payment with my own separate money to my homeowner 's insurance to protect my own interests but I don't know when I will ever get that money back. This company if fraudulent at every chance they get to steal money from consumers.

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 2021-06-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax reported unfair and inaccurate information with a total disregard to my right to privacy on my consumer report in the form of 11 unauthorized inquiries dating back to 2019 and this is unacceptable and in violations of my consumer right pursuant to 15 USC 1681. The inquiries were eventually deleted after continuous disputing and deletion is admission to law violation! I never gave written instruction to any consumer reporting agency or person to report this information on my consumer report pursuant to 15 USC 1681b. I, the consumer is aware and have proof that equifax is civilly liable for any actual damages sustained by the consumer for knowing noncompliance 15 USC 1681n. Affidavit of Truth sent to equifax was notarized and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
there was a loan taken out with this bank on XX/XX/2019 in the amount of XXXX i had contacted the company and the credit credit bureau '' s of this matter i was in XXXX  for 2 years during this time and they refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: OH

Complaint narrative:
there was a loan taken out with this bank on XX/XX/2019 in the amount of XXXX i had contacted the company and the credit credit bureau '' s of this matter i was in XXXX  for 2 years during this time and they refuse to remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: PA

Complaint narrative:
I do not owe the collection that is appearing on my consumer report. This company has also violated US code 1681 ( b ) subsection ( a ) ( 2 ) by contacting me and reporting onto my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021, I was the victim of a sophisticated unauthorized wire transfer fraud/scam. An unknown 3rd party hacked into my online banking account and began adding fraudulent Payees ( up to 7 or 8 people ), enrolled in wire transfer services, and began making unauthorized wire transfers out of my bank accounts.

This ultimately resulted in two successful fraudulent wire transfers made from my personal bank accounts with Citibank - the first in the amount of {$1900.00}, the 2nd -- which Citibank did not catch upon my alerting them of the first fraudulent transaction -- in the amount of {$1000.00}. 
Upon realizing what had taken place, I immediately called Citibank fraud to officially report the unauthorized wire transfer in the amount of {$1900.00}. The bank failed to notice, or alert me of, the 2nd fraudulent wire transfer which had taken place on the same day in the amount of {$1000.00}. 
It wasn't until I went into a local Citibank branch the following day XXXX XX/XX/2021 XXXX to prove my identity and close the impacted accounts that the 2nd fraudulent wire transfer was noticed by the branch manager. I then officially reported the 2nd wire transfer with the help of the branch manager. Despite the fact that I was a victim of a very sophisticated illegal wire transfer scheme by a 3rd party who did an excellent job impersonating Citibank personnel and departments, Citibank has informed me that NONE of my funds are protected, and that there is a very good chance that none of the funds ever get recovered as a result of their investigations which is unacceptable.

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 2021-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NH

Complaint narrative:
I just received a statement from afni, a collection agency stating that we owe debt to XXXX in the amount of {$1200.00}. We have not used XXXX in over 10 years and when we terminated our service with them, we were current, owing nothing to them. I believe it is a fraudulent account as we simply do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: NJ

Complaint narrative:
On XX/XX/2021, I sent I sent a letter regarding unknown and inaccurate accounts on my credit report. To this day, I have not heard from Equifax. I have not received a response I feel like I'm being taken advantage of and being ignored. Section 611 ( a ) plainly says that the bureaus have 30 days to investigate. since they fail to do so gives a reason to immediately remove those accounts off my report. it has been over 60 days, so they should be deleted immediately. I demand these account to be deleted or I will file legation due to the stress that has caused me.

In addition to that, my information was impacted by the Equifax data breach and may have gotten in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On Friday, XX/XX/2021, around XXXX XXXX  I submitted two orders for cash back through the Chase Ultimate Rewards program. I got an email stating that on XX/XX/2021, my order was received and accepted. Within one day I received statement credit in the form of cashback for only one of the orders. The second-order never showed. I called Chase immediately on XX/XX/XXXX to check on the status. A customer service representative told me to wait 3 business days for the credits to post to the account. After the third day, I called Chase again and I got the same response. I followed up a week later still without any sign of the statement credit. Finally, on XX/XX/2021, I called Chase and was told that they can not do anything about this issue. It is stated on the Chase website that statement credit takes 3 days to post to the account. It has now been over 2 weeks. I am due a total of XXXX points in the form of a statement credit of {$680.00} and still to this day have never received the said credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 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: CA

Complaint narrative:
On XX/XX/2021, I sent in a letter disputing some items on my credit report, I have not heard anything back and I am beginning to think they are deliberately ignoring me, I have took it upon myself to submit this complaint with the CFPB because I would like some help resolving this matter, it is also to my understanding that they have 30 Days to respond with their investigation results, if the items are inaccurate or unverifiable they must be deleted at once, I have also took it upon myself to read the CFPB information on this website that it is my right to dispute anything on my credit report and I have also found the law cites According to section 611 ( a ) FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THESE ITEMS FROM MY CREDIT REPORT. Thank you CFPB for helping me with this matter. My information was also impacted by the Equifax Data Breach and may have got into the wrongs hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter to Experian about an account on my credit report. They replied stating that it was verified, and I have no clue how. they are to delete this account immediately.

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 2021-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Improved Data Services LLC
State: GA

Complaint narrative:
Debt collector Improved Data Services calling place of employment after being told not to contact me at work

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau.

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 2021-06-19 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: CA

Complaint narrative:
XXXX XXXX is attempting to collect an unverifiable and canceled debt. This is for XXXX XXXX provided by XXXX founder and partner XXXX XXXX. XXXX XXXX refuses to contact XXXX who has stated that he is not collecting the debt. The Billing company that he used XXXX XXXXXXXX XXXX XXXXXXXX XXXX no longer works with XXXX and does not have billing records for this alleged debt. Their number is XXXX. XXXX XXXX can be reached at XXXX XXXX XXXX, XXXX, CA, XXXX ( XXXX ) XXXX XXXX XXXX has refused to contact the provider who owned the practice that the alleged debt originated from. XXXX Billing stated that he would be the individual responsible for deciding if a bill went to collections. The XXXX is no longer valid for the practice and they have no information about the debt. XXXX XXXX has refused to get current verification. 

XXXX  and XXXX have removed this item and sent information to Equifax that this is not a valid debt. Equifax refuses to remove the item. I have spoken to three different Equifax employees. One stated that she would have the item removed which was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
issue with my medical privacy now!!! violation!!! 
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
This is the second time I've done this and obviously nothing was done the first time be side they still do it. PayPal sends customers emails claiming that holds on the payments a seller received are from outside sources. But in fact the payments are being held by PayPal for their own intrest bearing accounts to make profits. These statements are being made about financial transactions and they are being sent over electronic communications which as I understand is wire fraud. It is happening to hundreds if not thousands of sellers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 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: NV

Complaint narrative:
On XX/XX/2020 my account was missing a transaction in the amount of { 15,000.00 }. That same day i called Bank of America and 911 to inform them that i did not authorize that transaction. At the time i called bank of america I told them to to start a claim in order to investigate the transaction. They informed me that a credit of the transaction amount would be credited back into my account within 10 days as the investigation was underway. Before that time i was notified that my claim was closed and not paid. Bank of America also sent a letter stating my claim was denied. I went back to Bank of America to appeal the claim. But that appeal was also denied repeatedly although i have been evidently identity thieved.

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 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank utilizes a money transfer system named XXXX. This system was used by scammers pretending to be TD bank employees and calling with caller id displaying as " TD Bank ''. The scammers were able to penetrate the TD security system and generate text messages to the account holder ( me ). These XXXX messages were portrayed as transfers to the account holder for the purpose of replacing funds misappropriated from the account through unauthorized transactions. 
Two attempts at trying to rectify this resulted in two denials. The bank refused to provide any information detailing how the scammers access the account holders financial information to generated XXXX text messages transferring funds out of the account. I, the account holder never enrolled in the XXXX system. I was misled by the scammers due to the fact that they were able to generate texts from TD bank pretending to transfer funds to me when in fact they were stealing funds. No further information was provided as to how the scammers were able to access " secure '' financial systems and generate funds requests. The 4 transfers for {$500.00}, {$200.00}, {$200.00} and {$200.00} totaling {$1100.00} through XXXX were all to the same email and occurred consecutively on XX/XX/XXXX starting at XXXX. The fraud was reported to the bank shortly after the transfers took place. The bank fraud department employee was questioned as to how 4 transfers to the same destination in a matter of minutes did not raise any flags. It appears there are no safeguards, accountability or monitoring of XXXX, transfers or account activity which appears suspicious. 
*****************************************************************************Original complaint was phone activity on XX/XX/21 with no case number or advisements presented. Follow up two weeks later with bank fraud department indicated denial without any notification to date. During the course of this phone activity, after being advised to file a police report, case number XXXX was assigned. Third instance of filing a complaint for further review by investigative management in case # XXXX resulted in a second denial again with no accounting of how the records were authorized XXXX document attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
A compliant was filed with the CFPB on XX/XX/2021, pertaining to this company violating the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
HI LVNV FUNDING/ 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation