vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On or about XX/XX/2021, I filed for free credit report from Equifax on the XXXX. Equifax rejected my online application and said I was required to file a written request by mail, using a form supplied on the website. I did so and mailed the request within a day or two. 
On XX/XX/2021, I received a letter from Equifax stating, " Our records indicate that a free copy of your credit file already has been sent to you within the past 12 months. '' This is in violation of the language on the website that states, " During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, XXXX  and XXXX  are continuing to offer free weekly credit reports. '' The letter from Equifax continues by stating, " If you want to purchase your Equifax credit file and/or your credit score and have a major credit card, you may use our automated ordering system at XXXX. '' There is no phone number or other provision for communicating with Equifax for assistance. 
If I am experiencing this problem, I'm sure that other individuals must be having the same difficulty. I would ask for you to enforce the promise of free weekly credit reports from Equifax. Also note that XXXX and XXXX supplied free reports promptly and without any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZenResolve, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX AZ time, I was contacted by email stating ZenResolve was a third party debt collection agency and that I have an outstanding balance to XXXX in the amount of {$1000.00}. I have never heard of XXXX before, so I started the verification process. On XX/XX/XXXX XXXX AZ I sent off an email disputing this debt because I have never done business with a company called XXXX and the email was returned to me. Later that evening, I mailed off a letter to ZenResolve by the USPS disputing this debt and asking for verification under the Fair Debt Collection Practice Act. I did not mail this certified. I never received any verification of this debt. Then on XX/XX/XXXX at XXXX AZ, I was contacted by email again by the agency. I sent off a certified letter to ZenResolve explaining that I sent off a letter on XX/XX/XXXX requesting verification of this debt and it was never done. I haven't received anything. I do have the tracking of the certified letter from XX/XX/XXXX to show it was delivered to the front desk. In the letter, I asked them to cease collection efforts or I will report them, so here I am. Today, XXXX at XXXX I got another email from this company. ZenResolve is not providing verification of this debt. I have never done business with this company XXXX before. ZenResolve is now violating my rights under the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
WORST CASE OF PHH MORTGAGE/OCWEN FRAUD The year XX/XX/XXXX was the 30th year of my 30 year mortgage. For many years prior, PHH/Ocwen did nothing but commit one fraudulent act after another against me. Fed up with their fraud, I was finally able to refinance my mortgage and get it out of the hands of PHH/Ocwen. 

In XX/XX/XXXX, I purchased my home for {$46000.00} and after nearly 30 years of mortgage payments my loan payoff was a staggering {$40000.00}! Nearly 30 years of payments and all I got credit for was {$5800.00}! After the refinance was completed, PHH/Ocwen sent me a check for {$5.00}! 

PHH/Ocwen committed such crimes as changing my loan type without my knowledge/consent, placing my payments in a suspense account rather than posting payments directly, failed to pay down principal, always claimed I owed more money ( never submitted me any proof ), placed me on several forbearance plans and even though I never missed a payment, the amount they claimed I owed always increased, and fees - all kinds of ridiculous fees that amounted into the thousands of dollars! When PHH/Ocwen fraudulently changed my loan type from a FHA, they began to charge fees. When my loan was a FHA, I was protected from fees. 

Several attempts for help was made, but PHH/Ocwen never responded to my attorney 's qualified written requests. Nor would they specifically address any questions pertaining to why my mortgage payments were being placed in a suspense account and other discrepancies. They would just send a letter claiming I was always behind in my payments. 

I have no idea where my 30 years of payments went or whose pocket ( s ) it went into. This company has no right to be in business. They are nothing but thieves! Hell won't be a surprise for them. 

( Documents are available for your review. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3600.00}, {$730.00}, {$750.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3600.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a balance of {$730.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$750.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
As a result of the COVID-19 pandemic, XXXX has allowed consumers one free credit report from each of the three major credit reporting agencies each week. Every time I go to the web site, I am able to get my reports from XXXX and XXXX. Equifax fails each time to produce my report -- I get the following message : " Online Delivery Unavailable. 
We are not able to deliver your free Equifax Annual Credit Report online. '' I am confident I answered all the verification questions properly -- the answers are obviously on my other credit reports. For example, on or about this date, which credit card did you open? 

The following are the dates I have tried to get my Equifax credit report online via 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, XX/XX/XXXX. 

There are probably other dates as well, but I don't have them documented. The XX/XX/XXXX date is when I called into Equifax, the let the know of the problem I was experiencing, and to ask them to send me a copy of my report. If I recall correctly, the representative said I should have no problems accessing my report online going forward. I tend to believe this is an Equifax problem. From what I have seen online, I am not the only person experiencing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I started working with XXXXXXXX XXXX, a debt consolidation company helping me make settlements with current lenders back on XX/XX/XXXX. We were able to come into a settlement with Midland Credit Management , Inc back in XX/XX/XXXX. The settlement was for 12 payment of $ XXXX monthly. After the pandemic i was force to cancel my agreement with XXXX XXXX due to financial difficulties on XX/XX/XXXX. At that point I had already made 9 payments to Midland Credit Management , Inc. With only 3 payment left for {$260.00} each. I tried several time to reach out to Midland Credit Management , Inc to make payment arrangements given only 3 payments were due. I could honestly say I called them over 15 times. They kept saying I had to talk to another department because I was previously working with a debt collection agency. I call multiple time, ask to speak to supervisor, asked them for a call back and nothing happen. For starters Midland Credit Management , Inc has never sent me any correspondence with the amount owed, or due dates or any notice of late payments. I had to research online for their contact information even though my information HAS NOT change from the information the original lender had on file XXXX XXXX XXXX XXXX. After many many calls with no resolution I continued calling. Until XX/XX/XXXX when I noticed that Midland Credit Management Inc had reported 120 days late on my credit report. I tried calling and again after hours on hold I was finally able to speak to a manager, who stated that despite my balance being under {$800.00}, that settlement was voided if the payment didn't come directly from debt consolidation agency. Which I had cancelled. He also informed me that my balance now was up to {$3900.00}. Which honestly feel like Midland Credit Management has dishonest practices to make sure they don't have to abide and can get away from settlements what way. I when on to try and settle ON XX/XX/XXXX, he stated that the best offer would be {$2400.00}. And that would not remove the incorrect reporting of the 120days late, it will be removed from my credit report years later. First of all, I honestly believe it shouldn't had been reported to begin with at all since I have records of trying to reach them since XX/XX/XXXX when next payment was due after I left the Consolidation company. It's truly incredible what companies like Midland Credit Management can get away with these practices, specially in this pandemic and many suffering from financial difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX {$35000.00} were moved, without authorization, from my Citibank brokerage account to my Citibank checking account. Those funds were again moved, without authorization, back to the brokerage account that same day. Two weeks later, on XX/XX/XXXX, {$29000.00} were moved, again without authorization, from my brokerage to my checking account. I was subsequently " scammed '' into believing that that {$29000.00} was erroneously deposited into my checking account and that it should be returned. 

In mid XXXX my computer screen froze, with an on-screen flashing warning that the computer had been infected with a virus. A " XXXX '' phone number was provided XXXX XXXX XXXX XXXX. When called it was answered as " XXXX, technical support. My screen was cleared and I purchased/ downloaded antivirus software to ensure that future infections were prevented. After paying for and downloading the software, I realized that this might, in and of itself, be a scam. Using a different anti-virus software, I found that my computer had been infected. I had BestBuy wipe my computer clean and reload my software. 
XXXX, while working on-line on my checking account, I received a phone call from what I thought was a legitimate representative of XXXX. He was calling because " XXXX '' saw that I had deleted their software and that they were going to refund my money. While the " representative was " working on processing the refund, '' {$29000.00} appeared as a deposit in my checking account. The " representative '' claimed that he had made a drastic error and that I had to immediately return the {$29000.00}. I agreed to make the return but that I would spread it over three payments, so as not to go over the {$10000.00} threshold. He provided a wire transfer bank account and I wired {$9800.00}. 
Later that day I discovered the XX/XX/XXXX {$35000.00} transfers and that the {$29000.00} had been transferred from my brokerage account. I again called the ( XXXX XXXX XXXX phone number. The individual who answered told me to f*** off and hung up. When I called again there was no answer. 

I immediately reported all this to the Citibank Fraud Unit ( Case # XXXX ), the NY State Police ( XXXX # XXXX ), and the FBI Internet Crime Center website. 
On XX/XX/XXXX I was informed by the Citibank Fraud Unit, by telephone, that since the receiving bank ( in XXXX ) was not cooperating, my {$9800.00} was unrecoverable and that the case had been closed. My only recourse was to file an Affidavit of Unauthorized Online Wire Transfer, which I have done. I was advised that, since I had ( been scammed into ) authorized the Wire Transfer, my " appeal '' would most likely not be approved.

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 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc
State: PA

Complaint narrative:
UNITED RESOURCES SYSTEMS has been posting a debt on my credit report sense 2014 I have been writing them over and over they have refused to remove it and keep posting it like it's mibes I'm going to file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: GA

Complaint narrative:
I have been an XXXXXXXX XXXX for a few years and always consent to a background check. It was time to renew this background check this year and info was reported that haven't showed up on my credit files ever. I have been painstakingly keeping my credit in the green, paying all my debts and something that happened XX/XX/2003 that I took care of back then is now showing up. It hasnt shown up before. I had a check bounce at a XXXX. I think it was for {$65.00}. As soon as I was made aware of this, after a case was filed, because I checked my acct and it had cleared, but then it was returned for insufficient funds, but I didnt know this, and a case was filed. I went to XXXX to pay this debt as well as went to court. They asked if I had paid XXXX which I said yes I did, I paid a {$100.00} fine and that was it. I thought everything was taken care of and I never saw this on my credit file. I have pulled my credit file, I am with XXXX  XXXX  and no negative actions have pulled up there. 
I would like this old information cleared off my count immediately. It is 18 yrs old and I would like your assistance. This information was supplied to XXXX by Checkr , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2021, PayPal limited my account for no specific reason. I have tried to get my account back but PayPal is unwilling to cooperate. I am assuming the limitation is a mistake as my PayPal account has no unusual transactions or history. When I spoke to their customer support, the representative I spoke with agreed that there was nothing out of the ordinary with my account and that she could not identify why my account had been limited. I have not been able to get help from them so far so I have decided to file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. I am willing to cooperate with CFPB and PayPal, and will provide anything that is required to get the account back. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
As a result of the COVID-19 pandemic, XXXX has allowed consumers one free credit report from each of the three major credit reporting agencies each week. Every time I go to the web site, I am able to get my reports from XXXX and XXXX  Equifax fails each time to produce my report -- I get the following message : " Online Delivery Unavailable. 
We are not able to deliver your free Equifax Annual Credit Report online. '' I am confident I answered all the verification questions properly -- the answers are obviously on my other credit reports. For example, on or about this date, which credit card did you open? 

The following are the dates I have tried to get my Equifax credit report online via 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, XX/XX/XXXX. 

There are probably other dates as well, but I don't have them documented. The XX/XX/XXXX date is when I called into Equifax, the let the know of the problem I was experiencing, and to ask them to send me a copy of my report. If I recall correctly, the representative said I should have no problems accessing my report online going forward. I tend to believe this is an Equifax problem. From what I have seen online, I am not the only person experiencing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I received an offer in the mail from Citizen 's Bank to get {$600.00} if you open a checking and savings account and met their terms. I opened my account XXXX XXXX via their website and met the terms. The offer says once you've met the terms you will get the money in 3 months. On XXXX XXXX I called Citizen 's because my money was still not in my account and XXXX told me my original bank put a hold on the transfer. I called my XXXXXXXX XXXX that day and they said Citizen 's has the money and took it out of my XXXX account. I called Citizens on that day and after being bounced around I eventually spoke to the fraud department who said that Citizen 's blocked my transfer and I have to tell my XXXXXXXX XXXX to reverse the transfer because it was flagged as fraud. Reassured me I would still get the bonus and gave me the fulfillment phone number in case I didn't get the bonus. I called Citizen 's Bank on XX/XX/XXXX because it's been over 3 months and I have received anything and I spoke with XXXX the manager and he said I would receive my money on XX/XX/XXXX. It's now XX/XX/XXXX and I haven't received it yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Interest rate not accurately calculated over last 10 years. Paying extra on card is not showing reduction in interest based on daily average calculation. 
I have asked for audit of my account to correct interest rate charges. System company uses to reflect no minimum after paying more is poor consumer support. It gives false ideal that your ahead but just change more interest. 
My interest rate does not show change of daily average. It only shows current balance which is not correct. 
Im asking for a complete review of my interest rate charges on my Usaa credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: VA

Complaint narrative:
I received a letter about a collection that I have no idea what it is about. They said the orginial Creditor it XXXX XXXX and XXXX. I have never had any type of debt with this entity. This is not a vailid debt and I already disputed this issue and last entity could not verify this account on XX/XX/2020. I have no knowledge of this collection and this must stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX and Transunion has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Transunion : XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN 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 2021-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
XX/XX/2021- {$50.00} I opened a dispute case and PayPal wasnt or couldnt help me supposedly. So they closed the case and said it was unauthorized so they couldnt do anything I just need my money back I got scammed and didnt or wasnt thinking at the time.

Company response to consumer: Closed with non-monetary relief