vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS

Complaint narrative:
I would like to file a complaint against my mortgage company, Citizens One. I applied for a forebearance on XX/XX/XXXX and I was told the forebearance would end on XX/XX/XXXX. During this time I requested a loan modification in XX/XX/XXXX and I started making monthly payments towards my mortgage again. I have been making monthly payments for 10 months now and I have called Citizens One monthly to get an update on when my loan modification would be completed. I was not given answer and I was always told it would happen soon. Also, I have requested for a manager to call me so I could report my complaint and to get a definite date of when the loan modification will take place and I never received a call back. Recently, I called Citizens One on XX/XX/XXXX requesting a letter stating that my forebearance has ended and they have not sent me a letter. I have a FHA loan and I am trying to refinance my loan to take advantage of the low rates, but because Citizens One will not modify my loan I am stuck making higher payments. My goal is to get a FHA streamline refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: MI

Complaint narrative:
Transunion was called on XX/XX/2021 to dispute inquiries. Consumer was informed by Transunion that per FCRA, Transunion has the right to keep credit inquiries on Consumer reports for 2 years. Consumer asked did that they have it in writing and was informed he did not know. Transunion also admitted that Consumer has had a police report for Identity Theft in their files for the past several years but that it has not been attached to Consumers file. Transunion informed Consumer that a call will be made to Consumer. Consumer has not received a telephone call yet and the credit inquires has not yet to be removed.

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 2021-10-07 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
please remove these 1. Identity Theft WFXXXX XXXX Account Number : XXXX This is not mine.

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: OK

Complaint narrative:
On Thursday, XX/XX/2021, I received a " CashApp '' credit card via USPS mail, which was issued by Square , Inc. I did not submit a credit application to Square Inc. or to Cash App for this line of credit, and this account was instead opened fraudulently by someone using my identity. 

Upon receiving the card, I immediately attempted to make contact with Square , Inc. using the Cash App 's support phone number, which would not connect me with any person who could close this fraudulent account. I additionally attempted to contact Square , Inc directly through its support phone number, which also refused to connect me with any representative who could provide assistance. 

I am therefore submitting this complaint to the Consumer Financial Protection Bureau, noting the following additional facts : - As I have a fraud alert currently active on all major consumer credit bureaus, opening a line of credit requires additional verification of identity. This verification was not performed by Square , Inc. 

- Failure to conduct identity verification for individuals with active fraud alerts puts Square , Inc., in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Willful noncompliance with the Act makes Square , Inc. liable for " any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, '' and additionally, " the costs of the action together with reasonable attorneys fees as determined by the court '' in the event of any successful action. 

- Failure to provide reasonable means for individuals to call over telephone to resolve FCRA noncompliance issues constitutes negligence on behalf of Square , Inc. 

- Numerous news reports ( https : XXXX, https : XXXX, https : XXXX ) indicates potentially thousands of individuals have received CashApp cards fraudulently, or have had their CashApp accounts illegally hacked, implicating that Square, Inc. is negligent in managing highly sensitive user data, unwilling to comply with FCRA, or otherwise is acting in bad faith as a creditor and as a business concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received this email regarding my PPP loan forgiveness " Sent : Friday, XX/XX/2021 at XXXX XXXX From : " Bank of America '' XXXX To : XXXX Subject : We are paying a portion of your first draw PPP loan Bank of America logo We are paying a portion of your first draw PPP loan We are here to support you through the Paycheck Protection Program ( PPP ) loan forgiveness process so you and your business can focus on moving forward. 

As we mentioned in a previous communication, under the Small Business Administration 's ( SBA ) program rules, a portion of your first draw PPP loan is not eligible for forgiveness from the SBA. Bank of America has decided to pay a portion of your PPP loan in the amount of {$3900.00} ( the " Bank of America payment amount '' ). This amount does not need to be repaid and is not considered part of your PPP loan. '' Bank of America is playing game and has not paid this loan per the email as of today. This PPP loan should have been forgiven per PPP guidelines, but this corrupt bank is fraudulent denying 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 monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been banking with Suntrust for years. I had an overdraft alert set up in the Suntrust app. Suntrust app was shut down. It stated I have to login through Truist. My account was over drafted and accrued 9 overdraft fees totaling XXXX dollars. I finally realized today when I checked my account that it had been over drafted. I called the bank and she said they can only refund XXXX dollars. Im a XXXX so I dont get paid a lot. I told them I understand if they cant refund the full amount but please give back more of the money lost. She said sorry I cant do that. I called back later on and I was told they can not refund anymore of the money because of their system. She said it doesnt matter how many times I call. I asked if I could speak to her manager or someone else. She said it doesnt matter who you talk to its not going to change. I was not transferred and she started with is there anything else I can help you with other than you attempting to get a refund. Im furious

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX, XXXX and TransUnion is reporting a XXXX XXXX account that no longer exist.

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 2021-10-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX, Equifax and XXXX is reporting a XXXX XXXX account that no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
MY PERSONAL INFORMATION INCLUDING ADDRESS, FULL NAME, DATE OF BIRTH, SOCIAL SECURITY NUMBER AND DRIVER 'S LICENSE INFORMATION WAS USED TO FRAUDULENTLY OPEN ACCOUNTS, RESULTING IN SEVERELY DAMAGING MY CREDIT PROFILE. THIS HAS ALREADY BEEN A VERY STRESSFUL PROCESS. MY LIFE HAS EXPERIENCED MANY HARDSHIPS BECAUSE OF THIS. PLEASE CAREFULLY REVIEW AND REMOVE ALL INACCURACIES DUE TO IDENTITY THEFT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I need clarification as to why is Convergent Outsourcing threatening to hurt my consumer credit report by reporting inaccurate information on my consumer credit report. 

Last activity showing on XX/XX/2021, Nothing is showing for XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Autovest, L.L.C.
State: VA

Complaint narrative:
I think this debt should be removed from 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 2021-10-07 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: IL

Complaint narrative:
I repeatedly disputed the address and as well as information pertaining to an account on credit report Equifax has not been complaint under the guidelines of metro 2 format compliance as well as have not been compliant to my rights under the fair credit act section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as under the fair credit act has not provided section 609 ( A ) 1 sec 611-2A1 ( 2B have not provided me anything proper documentation that represents action taking against me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

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 2021-10-07 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
please remove these XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX SYNCHRONY BANK Account XXXX : XXXX This is not mine.

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 2021-10-07 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
XX/XX/2021, I reviewed my credit report and discovered some unauthorized inquiries, I submitted a letter to Trans Union and XXXX and they have refused/ ignored my request.

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 2021-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I notice 2 charges of XXXX. I notice another change of XXXX on XX/XX/XXXX. A seperate account has been created in the money lion app. My dispute has not been handled and its been almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$17000.00} XXXX XXXX {$50000.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$690.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2500.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$250.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$160.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$320.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX {$400.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1300.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-10-07 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:
Experian/XXXX  XXXX is reporting a unverified invalidate charge off on my credit report in the amount of {$270.00} They are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 
They sent a bill via mail That is not a signed contract! Bearing my signature agreeing to pay said amount They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance

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 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I mailed off a debt validation on XX/XX/2021. The company has not responded with any documentation to prove this debt is valid. Im the validation I specified that I needed the information sent back to me within 30 days and it has not been today it is XX/XX/2021.

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 2021-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MN

Complaint narrative:
I had no issues requesting 12 months covid hardship forbearance, plus an additional 3 month extension directly online with a click of a few buttons for my VA backed mortgage. 

I requested my final extension of my covid hardship forbearance on XX/XX/XXXX over the phone to Amerihome Mortgage, about a week before my current forbearance was due to expire. According to the VA I have the ability to request the second 3 month extension to my forbearance, and according to the VA XXXX, the servicer of the mortgage will aprove the forbearance. 

Now 2 weeks later, the mortgage company says they have to send a packet to me so I can prove I have a covid hardship, while technically without the approval, right now I am in default. From what I gather, they are not allowed to require documentation for my hardship and must approve if I request the additional forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I am writing this today because I unfortunately have been dealing with a collection agency who completely violate my right as a consumer. I first contacted HP Sears about an item I found on my credit report from them. Upon contacting them they responded only once and have yet to respond to me the second time. I have given them 45 days and counting and still have not received a reply back from them. They are trying to ignore me and my rights as the consumer as they are choosing to deliberately ignore me and my request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation