vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Northland Group XXXX has been calling my home for more than a few months. In the beginning, I answered the phone and no one was there. I called their phone number a few times and left messages. 

The message is that the person who owes the debt, the person they're trying to collect from, hasn't lived here since XX/XX/2020. I told them where she is, her address, and her phone number. 

But every morning, between XXXX they continue to call me. I am not responsible for her debt. I gave them all the information I have so they can contact her at her current residence, but they continue to harass 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 2021-08-10 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: FL

Complaint narrative:
I have attached various accounts that are violating the FCRA and reporting inaccurate information to all three of my credit bureaus. I have attached the accounts and highlighted all the inaccuracies. I would like to have these accounts deleted from all three of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I use to work for and rent a mobile home from a man by the name of XXXX XXXX XXXX who owned a company called XXXX XXXX XXXX XXXX XXXX. Our agreement on the property was that I could live in the home and the power being included in the deal as well as lawn care and trash pick up for a set rate of XXXX a week because the place also needed a lot of work as well. XXXX automatically deducted my rent out of my check each week for the rent including power as well but for over a year I was under the impression that he was paying the power until all of a sudden the power was shut off on us one day and I actually had to call XXXX XXXX who then proceeded to inform me that the power had just recently been transferred from a one XXXX XXXX XXXX to me XXXX XXXX in the amount of {$1000.00} and I asked how this was possible they told me that they had spoken to me the prior day and I gave them consent to transfer the bill over and it become my debt at that point so you can imagine I couldn't afford to pay it and no matter how many times I told them that it was not me they spoke to they wasn't caring or never tried to right the wrong. I worked for the guy as a sole proprietor for off and on almost 13 years and knew he was slick about things but never thought he would do something like that to me and worse off how can XXXX XXXX take the word of a person over the phone that they are who they trying to say they are without first verifying the persons identification personally especially in an amount of money from one XXXX account to another person? Please help me right this wrong because this debt has been killing and draining my credit for 6 going on 7 years and its not my debt to pay and being a husband and breadwinner of my home with a wife and XXXX kids I wouldn't even pay that if I could cause its not my debt and anybody who takes the time out to investigate this situation could trace it back and see exactly where that bill originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Motolease, LLC
State: TX

Complaint narrative:
I have disputed this information before by requesting documentation and have not received a response. I have paid off this lease and have received the title for the vehicle. My credit report shows lease paid off but they are reporting it 120+ days past due. THis is what I have requested documentation of but never received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
A class action suit was settled on behalf of many mortgages with LoanCare/XXXX. I was apart of the suit and was informed by the attorney representing, XXXX XXXX, the following : " A settlement was approved that provides complete relief plus interest to all FHA backed mortgages where Loancare assessed a late charge based on Principal, Interest, Taxes, and Insurance ( PITI ) instead of just Principal and Interest ( PI ). LoanCare will be correcting every account and automatically crediting any amounts paid. All class members whose mortgages are no longer serviced by Loancare will receive a check in the same amount as the amount Loancare would have credited their account if they had still been the servicer. '' I have reached out to loancare to understand in what manner I will receive this and they have yet to respond. I am entitled to the proceeds of this and would like documentation, as I requested, that shows the dollar amount to my mortgage and how much I am entitled to as a result.

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 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Recently i got scammed for the total amount of {$500.00}, that was sometime in XXXX/XXXX. I filed a claim and got reimbursed for it via credit. Recently, like last week i noticed that the temporary credit was reversed not due to any foreshadow or any sort of email stating " Hey, you know that credit we issued a couple of months ago, we're going to go ahead take that back, thank you ''. Literally i woke up the next day and {$200.00} ( the initial credit ) was reversed. So i called Wells Fargo asking them to reverse this credit. Keep in mind something similar like this happened last week it was also another credit that got reversed for absolutely no reason at all and i was able to talk to the rep for Wells Fargo and she looked on why the credit was reversed and was able to determine that there was no reason at all for why the credit was reversed. So she looked into the Credit and was able to issue me back my funds within a couple of hours. God bless her. So again fast forward to that next week and again this happened once more. As stated earlier i called in but was unable to get a re-issue of funds like last time. Instead i was greeted with " we were able to determine it was a 3rd party app '' So when someone gets scammed and you guys issue me a credit and since so much time has passed I.E 2-3 months ago while i was going through everyday not even remembering the credit. Literally out of nowhere, with no hindsight i got XXXX deducted from my account via reversal of credit.

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 2021-08-10 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: MD

Complaint narrative:
My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 

XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX There are at least 3 additional data fields that are reporting inaccurately across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus. 
There is no notice of previous dispute. 
The creditors name is truncated and unidentifiable. 
The account number is truncated and unidentifiable. 
The account has been charged off but, it is still reporting incorrect payment history.

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 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a Best Buy Citibank credit card. I am a XXXX  and went out on a XXXX  XXXX. My balance was {$3100.00}. I knew I was going to have difficulty paying this so I did a balance transfer with XXXX with 24 months to pay XXXX back. 

XXXX issued the funds on XX/XX/2021. My balance with Citibank should have been XXXX. At the end of XXXX I had a financial hardship with car so I charged {$2900.00} to my Citibank card. 

XXXX XXXX I received a bill from Citibank for {$6000.00}. Since then it has been a nightmare. Month after month I have called and produced evidence to support the payment from XXXX. XXXX provided me with the transfer number and a letter that Citibank refused to acknowledge and kept saying that they never received my payment. 

I did get the XXXX XXXX XXXX involved and now they have found the payment but are still refusing to credit my account. My balance should be {$2900.00}, but with all the interest and late fees it is over {$7000.00}. 

I need help, please intervene on my behalf. I struggled for one year caring for Covid XXXX  and now I have to deal with people who refuse to look at the evidence.

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 2021-08-10 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick 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 2021-08-10 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick 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 2021-08-10 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: MD

Complaint narrative:
I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX  XX/XX/XXXX The Congress has also stated that you EQUIFAX are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have requested numerous times information regarding the reporting of information. GM Financial is reporting to XXXX  not more than 4 payments past due and with XXXX  90 days past due. I did receive a letter from the company requesting additional information from me. I have paid off this moan and have received the title to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Lender Name : PHH Mortgage services XXXXXXXX XXXX XXXXXXXX XXXX XXXX NJ, XXXX Previous Lender : XXXX XXXX XXXX XXXX XXXX I am being charged an additional {$2400.00} per year or XXXX cents per month on my escrow account. My total escrow expense for the year is XXXX I am being charged XXXX per year. I have called and talked to them AT LEAST 7 times. I have sent over proof of my homeowners insurance and taxes to this current year. Yet they refuse to tell me why they need the additional funds above and beyond the cost of taxes and insurance. I have requested a escrow account analysis, I have also requested that I pay my own taxes and insurance they have told me that isn't possible and I MUST pay THEM for this and I can not pay on my own ( I know this is a lie ). When a legal matter was threatened my loan was transferred to their sister company. I STILL have the same issue with this new lender ( same place different name ) and they tell me they have no record of past dealings and that I must ay them. They are asking for an additional {$72000.00} over the life of the loan and are refusing to tell me why or what its for. 

Also in the year 2021 they FAILED to pay my home owners insurance on time, I had to go down there and make a payment myself out of my own bank account to keep the home insured. They paid the insurance on XXXX the payment is due on XXXX, I was charged late fees that they refused to pay and I was out of pocket the cash in the mean time and I had to pay the late fees! 

THIS PLACE IS A SCAM SOMETHING NEEDS TO BE DONE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NC

Complaint narrative:
Debt company, Viking Client Services, is stating that I owe an alleged debt in the amount of {$350.00}. This is completely false and they have reported this debt to credit bureaus. They have defamed my name and I am taking legal action. 

I sent Viking Client Services a Debt Validation Letter, Cease and Desist letter, an invoice for all violations, a copy of their mailed document with all of the violations listed, and a notarized Affidavit of Truth. They have yet to respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Fictitious report of missed payment. Closed account for this reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I brought a flight with XXXX  but I canceled it before the day of that flight.

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 2021-08-10 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have repeatedly requested verification of this account and have received no response! They are listing it on my credit report as a chargeoff with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I consumer XXXX XXXX entered into a consumer credit transaction with ALLY FINANCIAL IN 2015. I'm not obligated to pay any debt under the provisions of 15 usc 1692 the Fair Debt Collection Practices Act. This debt is fraud, and false and misleading and is already paid for. I sent a cease and desist twice to ALLY FINANCIAL to stop contacting me on all mediums. ALLY FINANCIAL has violated my federally protected consumer rights. They are harassing me, oppressing me, using obscene and profane language. ALLY FINANCIAL is committing fraud and attempting to commit theft. They are threatening to take legal actions that can not be taken. The Fair Debt Collection Practices Act governs debt collectors. They cant continue to violate me. I do not owe this alleged debt that is false and misleading and in a positive balance.

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 2021-08-10 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: AR

Complaint narrative:
Fictitious report of missed payment. Closed account for this reason.

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 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My Mortgage Company, NewRez, has accepted payments for last two months, applied them to principal as extra payments, charged late fees, because the amount of my payment rose {$80.00} per month ( for escrow - tax increase ). I have always paid mortgage on time, no prior disputes. They refuse to provide documentation stating when they will apply the balance to my mortgage, refuse to reverse late fees, and still demanding I pay {$160.00} prior to showing my account as current. There was no supervisor to speak to. I am scared to make any further payments to this institution without something in writing, explaining their steps to remedy the situation.

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