vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted my dispute to equifax via the cfpb. They did not respond there but sent me a letter asking me to verify my address, place of work, and ss. Via the mail. The dispute was submitted XX/XX/XXXX. It  was a complaint into Equifax 's miss handling of a complaint that took longer than 30days to respond, yet it is still on my credit report. I can not speak with anyone on the phone cause the system does not recognize me. It feels like this was a malicious attempt to prevent me from communicating with them, when they fail to notify me with in 30 days, and now they dont want to deal with the issue they created. 

I have attached the original disputes, which have the paper trail of how  they handled the dispute originally. Then when brought to thier attention, I filled an additional dispute against Equifax for taking more than 30day, to which the disputed the validity of the dept, instead of what the dispute was actually about, and I have included the letter they sent which contains a typo n my address. So I can not very what they are asking for, cause it's not true. This is what they sent instead of calling me, or actually handling the dispute sent. I did not include the dispute submitted on the XX/XX/XXXX, because it was already a dispute from over 60 days ago that they have yet to properly address. 

They need to own up to thier mistake and remove the item from my credit as well as fix thier system tmsobthat I can reach them on the phone. 

This is absolutely ridiculous how long Equifax is taking to handle something that started over 90 days ago. And now it's like trying to work with children who dont want to do thier chores. Get you act together equifax you cant provide XXXX pore service, and then play games instead if owning up to your mistakes and eating the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I was informed by our lender that there was a credit problem on my report with Wells FargoXXXX XXXX. The lender stated that according to the credit report, the XXXX XXXX  XXXX account was closed XXXX of 2020 and there was a {$7.00} outstanding balance remaining. 

The last payment paid to this company via their phone number was on XX/XX/2020 for the amount of {$210.00} which according to the IVR, that was the current balance ( not the minimum payment ). I was under the impression that the bill was " paid in full ''. I just received a bill for the Billing Cycle XX/XX/2020 to XX/XX/2020 for the amount of {$7.00} that is due on XX/XX/2020. 

The information on my credit report is false/not valid and is affecting my credit score tremendously especially now when I am in the process of purchasing a new home.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I recently needed to remove a security freeze to apply for credit. I just needed the freeze lifted by the end of XX/XX/XXXXand I planned on using the Equifax website. However, my profile was frozen for no discernible reason with the only visible prompt being a phone number. I called that number on Tuesday XX/XX/2020 and in spite of verifying my identity, the company refused to permit me to change my own security freeze status. 

As a consequence, difficult financial circumstances are exacerbated because Equifax is unresponsive and leaves me unable to apply for new credit. It is now XX/XX/XXXX and after sending the requested documents to Equifax by fax ( there was no way of simply emailing and traditional mail would have been even slower ) I have yet to hear from them and am unable to access any loans or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX in XXXX. I financed the vehicle at {$18000.00}. Over the length of having this loan, Ive made a total of 24 payments. On XX/XX/XXXX, I had two refunds from XXXX in the amounts of {$3200.00} and {$890.00}. Those two payments were the first two payments that were applied to my account bringing my principal balance down to {$12000.00}. My first principle payment was made on XX/XX/XXXX. I made three principle payments on XX/XX/XXXX in the amounts of {$420.00}, {$420.00}, and {$420.00}. On XX/XX/XXXX, Chase, without my authorization reversed those payments from my account and put those payments all to the interest that I dont agree with on my account. On XX/XX/XXXX I made another payment of {$840.00}. I didnt make any payments on the loan prior to XX/XX/XXXX because at that time I was under the assumption I had no payment due according to my online statements. Im filing a complaint because Chase Auto refuses to resolve my concern in regards to my auto loan interest. Ive made numerous attempts to get my concern resolved but was unsuccessful. The last principle payment made on my account was for {$41.00} on XX/XX/XXXX. According to my own calculations and receipts, my auto loan is paid off and Chase Auto is refusing to release the title of my vehicle until I resolve the principal balance on my auto loan that I do not agree with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Premium Credit Bureau
State: FL

Complaint narrative:
Greetings, I have reached out to XXXX  and XXXX  concerning the following inquiries reflecting my credit report I did not approve and have no clue what they are for. In this process, XXXX  provides the same reply every time with not providing documentation of how or who they spoke with to verify the information. As for XXXX, they have responded back to either of my letter they received certified mail ( dating back to XX/XX/XXXX ). 

XXXX  provided address information for the inquires reflecting my report - the inquiries mailing address was returned to the sender and not received. I have enclosed a copy of the returned to the sender. As you reviewed in my previous dispute to the company XXXX  provided was incorrect - claim - XXXX due to the response from the company. How can this account be factual as mine when the Bureau even provided incorrect information? 

This company did not ask for my approval. This can not and have not provided my approval with my signature, e-signature, statement, or voice recording authorizing this inquiry request. Which is why I disputing the following inquiries. I am requesting the following inquiries be removed as soon as possible. 

I have uploaded attachments on miss leading information provided by XXXX  ( with an incorrect mailing address and company info ) along with documents of No Reply for over in 30 days by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX These companies call me several times nearly every day and have left several messages attempting to collect on a debt from a single hospital visit in XXXX that is in collections since XXXX with XXXX XXXX XXXX. The initial bill was for {$880.00} which I disputed with the hospital because it was a follow up visit to have stitches removed and I was told by the Dr . I saw I would not be charged for a full ER visit upon return and I was anyway, so I refused to pay the bill. 
XXXX XXXX XXXX is on my credit report for the full {$880.00} as a debt collection and now Phoenix Financial Services has placed a collection on all 3 of my reports ( which I am disputing ) for  {$350.00} ( same bill/visit ). They sent me a letter ( I threw it away ) that stated if I pay them {$350.00} they will remove the collection from my credit reports. Together, these collection agencies are charging me {$1200.00} which is more than the initial hospital bill. 
I've had issues with XXXX XXXX XXXX in the past, where they find creative ways to keep debts on consumers credit reports by doing fraudulent activities such as this and I would be 100 % certain these two companies are engaging this illegal activity together

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7.  Company Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp
State: CO

Complaint narrative:
On XX/XX/2020, I initiated a loan application with HomeAmerican Mortgage Corp. which progressed to conditional approval with closing scheduled on XX/XX/2020. On XX/XX/2020, I was informed by the company that closing would not occur as scheduled and would be rescheduled at a later time. When discussing this with our loan officer, XXXX XXXX ( NMLS # XXXX ), she was argumentative and combative immediately upon getting on the phone. During the course of the conversation, she yelled " What would you like me to do? '' over and over, then proceeding to swear at me stating " I am doing my XXXX job '', and finally told me it was " too bad we can't publish reviews on you ''. As a first time home buyer, I was not expecting to be spoken to in such unprofessional and inappropriate terms, and nearly walked away from the entire deal. I spoke with her supervisor, XXXX XXXX, who at my request removed her as our point of contact. Following that, I received a 4 line disingenuous apology via email, siting a " difficult week ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The debt was settled for the amount of {$360.00} on XX/XX/XXXX. I was made an offer in writing. I accepted and sent AMEX a check for {$360.00}. It was cashed by AMEX as I have proof through my bank. I have relayed this information to AMEX via text messaging. And yet I keep receiving the same Notices from AMEX asking to settle the same debt. I have received Notices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have all these Notices saved in electronic format. I am not sure how to stop AMEX from continuing to try to contact me for a debt that has already been paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
This complaint is about the loan modification process at Shellpoint Mortgage Servicing. Please help me resolve this issue and obtain a final loan modification within 30 days. The problem began XX/XX/2020. Please note this date is after Pres. Trump disaster declaration due to COVID-19. 

My initial application for a loan modification was mailed on or about XX/XX/2020. 
Shellpoint requested that I complete a second ( 2nd ) modification application in XXXX. This second application was faxed on XX/XX/2020. Per a conversation with a Customer Service representative, my application for modification was approved on XX/XX/2020. As a consequence of an error made by Shellpoint the modification was subsequently cancelled on XX/XX/2020. 

On XX/XX/2020 I finally received written communication from Shellpoint stating, my account is seriously delinquent and in order to avoid foreclosure I needed to act by XX/XX/2020. I have spoken with customer service multiple times over the past 7 months and have made my monthly payments in the amount directed. 

Since XX/XX/2020 I have consistently made the monthly trial payments in the amounts requested. I have paid through XX/XX/2020. It is now XX/XX/2020 and my modification still has not been approved and I am being asked for additional trial payments some of which have already been paid. ( Specifically XX/XX/2020. ) I am now being threatened with foreclosure if I do not make another payment for XXXX. I can not afford to make double mortgage payments. 

It has been 7 months since the modification was approved. It has been 7 months I have made payments as requested and waited to receive paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: U.S. BANCORP
State: IL

Complaint narrative:
US Bank issued Mastercard double charged me for one purchase on XX/XX/2020. They admit this was an error that they caused, but they still have not reimbursed me for the second charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Company discharged debt ( per 1099C dated XX/XX/2017 and their letter dated XX/XX/2017 ) and provided a 1099C for the 2017 tax year. With these 2 actions, the debt is no longer owed to the creditor. 

The creditor reported to the IRS that it has cancelled the debt, thus creating taxable income to the consumer. By definition of the tax form itself, the 1099-C says : Cancelation of Debt. As the consumer I can not be forced to both pay a debt and show the debt as income. The debt can not be considered both cancelled/discharged and still due. 

This account should have a XXXX balance and no reported history after XX/XX/2017. Any negligence in failing to correct the discrepancy or continuing to report both a balance due and negative payment history will be construed as failure to comply with the FCRA and tax fraud. Combined with the letter provided and the 1099C this is sustained proof that the creditor has CANCELLED the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Today, XX/XX/2020, I tried to temporarily lift a security freeze on my Equifax account using the website, at XXXX XXXX. 

The website was unresponsive after I got to the " lift freeze '' step, and then after clicking " refresh '' and retrying several times I finally got through to a screen that simply said " We can't complete your request right now ; try again later. '' I also tried to call Equifax but they are closed after XXXX. 

I have a deadline of XXXX to lift the freeze so that I can take advantage of a good mortgage rate and get the rate lock in place. 

Note that Equifax is required BY LAW to lift a freeze within one hour of a request, either on website or phone. Their phone lines are down, and the " unfreeze '' button on the website is broken. 

It's possible I'll miss out on a good interest rate due to Equifax 's incompetence. 

I don't understand why these scammers are still allowed to operate. Clearly the lawsuit they lost hasn't made them fix their corrupt operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My Business was shut down due to covid-19. I made a payment in XXXX and advised them that I am under financial hardship due to the pandemic and asked them to not put into collections until after XXXX and also advised that I will call in XXXX to make a payment. I attempted to make a payment on the XXXX of XXXX and was not able to. My account was put into collections after the representative on the phone advised me that It would be ok.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
Remitly is the money transfer company. Ive sent {$500.00} to XXXX express however the account number fo the recipient was incorrect and the transfer was never finalized. Yet Ive received a receipt from Remitly showing the money was delivered successfully. I have all the records on my phone and pictures of the transfer transaction. 

Since then Ive corrected the account number and sent and addition {$100.00} to see if it would be delivered with no problem, which it was. 
All this started on XX/XX/2020 and I have been talking with Remitly several times but theyre giving the run around- saying theyre are working on it as Ill know in 4 hours. I need help in disclosure this unsafe and dishonest way of dealing with American citizens. I cant afford to loose money. 
Please contact me if you can help further - I do have evidence of all transactions made. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
Hi there, thank you for your time in reviewing this complaint. Please excuse my memory with dates and times, I have XXXX and it makes it very tough. Around 2014 I got a job with " XXXX XXXX '' and when I hit 6 months I was able to get health insurance. I finally was able to go, and only went in 1 time for a XXXX, and showed my XXXX XXXX XXXX XXXX card. Only thing I can think of is that they didn't use my insurance card and just billed me?? Or that when taking my insurance card something was entered wrong?? Possibilities are endless. Also after having that job I moved to Oregon. Recently I looked up my credit and didn't know I had a collection. I will be buying a car for my new wife and newborn in XXXX. I've contacted as many people as I can and getting nowhere. The original creditor is XXXX XXXX XXXX, and now is in collection at XXXX XXXX XXXX, and looks like they reopened the claim. Please I beg that we can resolve this. I'm getting hit hard with XXXX and then this.

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