vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
repeated calls from XXXX saying there was a complaint filed against me and threatened to visit my home or business with a reference number XXXX and office phone of XXXX, on XX/XX/2021, I called back and some woman named XXXX answered and refused to give business name saying I had a credit debt with Citibank ( a company I have multiple cards with and have never been late on ) then repeated to tell me my name and ss number, I asked them to send paperwork stating this and they said they didn't send paperwork and told them not to call again... .After an argument about how they were a fraud and I would be reporting them, they said XXXX county Sherrif department would be visiting me soon and hung up... I called back multiple times and hid my number to gain the company name but they accused me of phishing when I asked for business information or any other information ....

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 2021-09-21 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: MS

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. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
1. I purchased some diamond rings from a website & paid for the rings by using my Paypal account. The purchase amount was {$99.00}. It took over six weeks to receive the items by USPS. The items, after inspection, were determined to be fake. I filed a complaint with Paypal on XX/XX/2021 and asked for a resolution and refund. Paypal sent me an email and asked me to refund the items to the seller. The recipient address is in XXXX. When I went to USPS to return the items, I was told by the USPS that the address must be in English so that they can send the package to the recipient. I informed Paypal this requirement by email and by posting to their Resolution Center and asked that they send me the address in English. Paypal acknowledged the receipt of the email but did not respond to the email or to my request posted at the Resolution Center. Paypal informed me that the seller did not receive the items and thus my claim was denied and closed the case on XX/XX/2021, even though they did not send the address of the recipient in ENGLISH. 

The item was sent to me from California. So, I do not understand why Paypal wants me send the item to XXXX rather than to the address in California? Sending the package to XXXX  will cost in excess of {$40.00}. 

The shipping address on the envelop : XXXX XXXX XXXX, XXXX, CA XXXX ( image attached )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT 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 2021-09-21 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: GA

Complaint narrative:
I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Current mortgage servicer is obstructing refinance with other mortgage company in which loan has been approved. 

When government announced to close business due to the Covid-19 my husband was temporary laid off and we requested forbearance from current mortgage servicer which was granted at the time. We missed a couple of months and later in XX/XX/XXXX we started to make monthly payments in full and servicer accepted payments as usual. ( According to a representative from Shellpoint loan was out of forbearance around XXXX ) By XX/XX/XXXX I decided to refinance and and I contact a mortgage company which later in XXXX I was notified that my mortgage loan had been approved with the condition of a letter from mortgage services stating mortgage was out of forbearance. 

According to a representative from mortgage servicer my mortgage was out of forbearance but I never received a letter. I requested such letter several times in different ways ( over the phone, fax, email ) but letter never arrived and every time I called I was told a different story. 

During the time of my refinance I needed to be current with my payments. However, after payoff was received and wanted to pay my mortgage payment it was rejected and I had to sent certified mail because Please note that Mortgage servicer is obstructing my refinance and I already lose an opportunity to obtain a better rate. Now the rete I was offered by the mortgage in which I apply for refinance expired and the only two options I have is to accept a higher interest rate or extend rate which both options are very costly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: IL

Complaint narrative:
Fraudulent reporting on behalf XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
No one will answer me after waiting on hold for 1 1/2 days. I can not get into my account online and I am getting an email stating I need to call a number immediately if I did not ask for/change my status.

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 monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
i have been an active loyal customer since XXXX I have made my payments and always keep healthy credit score however they have lowered my credit score so many times XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX , now again XXXX to XXXX $ this has made a drastic impact on my credit score of XXXX points over time. I feel like its unfair i use my card any make my payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
The company sold the account to NCB Mangement Services Inc. NCB continued to call even though I told them I could not pay anything due to being unemployed, and then calls became more frequent to the point they started to reach people in my family about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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 are inaccurate and unauthorized accounts on my credit report that does not belong to me.

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 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BROCKELBANK INC
State: MI

Complaint narrative:
In XXXX I entered in to a lease agreement at XXXX XXXX XXXX in XXXX. When I occupied the building, the water service was not turned on. Once on, it was discovered that there were a multitude of leaks. I informed the owner of the issue and he asked me to call a plumber as I XXXX a XXXX XXXX XXXX and had a contact. My XXXX XXXX XXXX called and scheduled the plumber and some work was completed. The owner never made the water system completely workable, and in XX/XX/XXXX I vacated the property. Shortly thereafter, my XXXX XXXX XXXX received a bill from XXXX XXXX. I explained the situation and told them that my XXXX XXXX XXXX was not responsible for the bill and provided them with the owners information. I received some threatening correspondence from the building owner stating that I was responsible. At that time, I refused all calls and emails from he and the owner. I attest that this obligation is not mine for two reasons : 1 ) The plumbing work was completed on a building where I was only a tenant. 
2 ) The plumbing services were ordered by my XXXX XXXX XXXX on behalf of the owner. My XXXX XXXX XXXX ( XXXX ) was billed for this service. My XXXX ceased operation in XXXX. This credit and debt collection is in my personal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried contacting Equifax many times prior to submitting this complaint just trying to access my credit report online. Upon calling them they asked me security questions which I answered all correctly but then was told that I had to verify myself once again through XXXX  which I obediently did. For whatever reasons, they claim to have not been able to verify me and I was told to send in a copy of my social and ID to XXXX XXXX. I have already done so two weeks ago and still have not received a reply from them nor have I been able to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
cfpb closed this complaint before it was resolved. See They are stalling and clearly have no intention of finding an equitable solution to my complaint. 
This issue has been in Wells Fargos court since XXXX. They have moved it around to multiple departments each one suggesting they need months to process the inquiry. The case number has been changed 3 times. Currently I am assigned to XXXX, an Executive Office Case Specialist in the Consumer Products and Services Executive Office. She wrote me a letter in XXXX stating You can expect to hear from us with a resolution or an update by or before XX/XX/2021. 
Today is XXXX XXXX. She does not return my phone messages. She has refused to give me her e-mail address. 
Previously I caught a WF agent lie to me about this issue. When I brought it to her attention, she stopped communicating. 
This issue can not be resolved without back and forth communication and WF is clearly avoiding that.

Five months and the BIG STALL continues.

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 2021-09-21 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
I am not familiar with the debt this company is trying to collect, more importantly the debt they are attempting to collect has been " time barred '' and is well past the 4 years of time allowed to collect this debt in the State of California.

Additionally, they are in breach of the law due to the fact they did not print anywhere on the collection notice that the debt was time barred as required by law.

Letter Received : XX/XX/2021 Amount : {$7000.00} Letter states that I " Requested validation of this debt '' ..which I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}

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 2021-09-21 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have 9 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit or my current credit! Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. Per bankruptcy laws these accts are to clear all neg info and just report a closed acct included in bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. The bankruptcy will affect me for 7-10 yrs but the law but the accts are to no longer affect my credit. This is a direct violation of this law and now all of these items need to be removed per the law. Pls help enforce this action.

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 2021-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account CAPITAL ONE Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX & XXXX are different, this means the account has not been properly verified. Please delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
XXXX - I found out I had a lien on my house while going through a refinance due to Shellpoint mortgage company failing to pay my XXXX taxes. 

After month 's of trying to have them issue a check to the 3rd party vendor they finally issued a check from my escrow account however, they reassured me at the time they would reimburse me the interest that accrued and the penalties in the amount of {$2400.00}. I called asking when I would receive the check and I was given the run around for almost a year. I refinance again since now the lien is removed but while refinancing I was still dealing with an escalation on my reimbursement. After Shellpoint received their pay off check I was then informed that I will not be receiving a check even though a representative reached out to me on XXXX  private stating she had good news I will be receiving a check in the mail. I call XX/XX/XXXX to see why I haven't received a check only to be told that the notes state the exact opposite that I will not be receiving my funds that I am owed.

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 2021-09-21 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: IL

Complaint narrative:
on XX/XX/2021 I sent out a letter to Experian and disputing a Bankruptcy that they are reporting on my credit report. I have then sent out another letter stating to send me there method of verification. They then sent me a letter indicating that they have verified that the bankruptcy was accurate and verified though the company that reported information on my credit report. Which is FALSE I have contacted the courts and they do not report to the credit beaus. Under the FDCPA section 807 this is misleading false reporting I demand that this account be deleted immediately or I will file litigation due to the stress they have cause me.

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
I have been receiving correspondence from Jefferson Capital Systems LLC since XXXX of XXXX stating that I owe an alleged debt. My account information was sold to Jefferson Capital Systems LLC by XXXX XXXX. Which is a violation of my privacy rights. Despite the alleged debt is over 7 years old they are still making attempts to collect this alleged debt. On Tuesday XX/XX/XXXX I called Jefferson Capital Systems LLC at XXXX XXXX  eastern time. I spoke with an agent named XXXX and their agent ID is XXXX. I called to get the balance and account number and at the end of the call I ordered the agent to cease and desist all communication. The alleged debt that I owe is {$460.00}. They are in violation of 15USC 1692 F1 and 15USC 1692 F8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has kept my account in a " restricted status '' from the time I first received my credit card. I spent hours with them on the phone, on numerous occasions, to try to get the restriction lifted. I sent them all documentation that they required with no success. I told them repeatedly that I did not want to renew the card and that I wanted to pay any balance and close the account. They allowed me to make a payment and I paid the balance down for everything except the {$95.00} renewal fee, which needed to be removed. They told me they could not remove the {$95.00} renewal fee until my " restriction '' was removed. They are the ones who will not remove the restriction ( for reasons unknown to me ), yet they continue to wrongfully bill me for the {$95.00} renewal fee, and now, penalties and interest related to that fee. My last conversations with them were on XX/XX/21 and XX/XX/21. I sent them a certified letter on XX/XX/21 to set up a written record of what has transpired, and the letter contains further details. I will attach the letter to this complaint if allowed. In addition to the above, I believe that Capital One has probably been making negative comments to credit reporting agencies that will wrongfully impair my credit rating. It is shocking to me that a company like Capital One could do this to a consumer and get away with it. I am hoping that the CFPB can do something to protect me in this instance.

Company response to consumer: Closed with explanation