vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
To whom it may concern : I, XXXX XXXX am a homeowner in XXXX XXXX, California and recently discovered that I am a victim of identity theft. One or more thieves have used my identity to open accounts, steal my credit and place liens on my property. All these accounts were opened without my knowledge nor approval. I knew nothing about any of this until recent. As a result, several fraudulent involuntary judgement liens were placed on me and my home and after several months of requesting that the lien holders investigate and remove or provide me with documentation substantiating signed contracts, credit card statements, signed court notifications to appear, etc., they have not been able to provide anything. 

Also, I have made several requests in writing to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX that they investigate and remove those liens on my property title. To this day, the lien holders and title company have refused to respond and remove these liens from my title. This fraud has prevented me for closing several financial equity deals. Please notify all named parties listed below to discharge the fraudulent liens. 

Enclosed documents include : 1 ) Identity Theft letter to Chicago Title Company-XXXX identifying involuntary judgement liens. Approximate total {$42000.00} as of XX/XX/XXXX. 

2 ) Identity Theft letter to XXXX XXXX XXXX for lien Case No. XXXX. Approximate total {$11000.00} as of XX/XX/XXXX. 

3 ) Escrow lien letters from XXXX XXXX XXXX  for XXXXien Case No. XXXX & XXXX. Approximate total {$31000.00} XXXX XXXX + XXXX ) as of XX/XX/XXXX. 

Regards, XXXX XXXX___________________________ Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I been in the Hospital for 5 Months due to having XXXX from XXXX, 2020 as of now my Bank XXXX Bank of America XXXX states I own {$1600.00}. I have wrote to this company bank to waive this amount due to unable to pay due to my illness. 
I have Not hear anything back from bank of America except calling me all Hours seven Days a week including Sunday that I own this Amount. I can Not get up from my bed to attend them due to all Medication I am taking. 
I need to solve this issue before this Loan raises to the XXXX which due to me having XXXX having very low income and unable to work to pay this Loan I have been pleading to Bank of America for being a Member for over 28 Years to waive off this Loan

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian.com consistently ( years now ) has my credit scores listed on their site as being 30-50 points lower than they actually are ( high XXXX vs actual of XXXX ). These higher scores have been verified individually, through my banks and through credit checks for renting and a mortgage. I believe that they do this to entice me to buy their services to raise my scores. This is infuriating and I'm pretty sure illegal. And I'm sure they are getting other nervous, unsuspecting people out there freaked out that their scores are low and they need help when they actually do not. This is an absolute scam using our false credit scores as marketing tools for their services.

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 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Every time I make a payment American Express forces me to verify the funds by calling my bank and reviewing my private info by forcing me to call my bank. I feel violated. Its been going on for over 6 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Letters were sent to credit bureaus regarding this account not belonging to me due to lack of validation and there has been no communication regarding where this debt is from. The debt is not verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
mohela XXXX - is current problem attached i have all docs. 
spoke with your office about doe - XXXX XXXX not completing my request i have paid in full with XXXX given docs to prove payments they are pulling up old/incorrect info and NOT letting me out of this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I requested to close this account but keep getting calls, asking me to make monthly payment. I told them to send me final bill of total amount. 
3 weeks already, and they haven't mail me anything and keep disturb me by many phone calls although i requested stop calling. 
During calls with the Chase agent, they also warned me the interest and fee will keep accumulating as long as i full-fill their monthly payment, does not matter the account closed XXXX when i close my account, other financial institute ask to pay off all in once, not monthly ( should fishing to me ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was notified that on XX/XX/2021, some unknown person applied for a credit card from XXXX. They used my correct name and phone number. 
it was not me, I do not/did not use XXXX ever, and did not apply for credit at all. 
I have attempted to contact Experian for two days for help and no one answers the phone and their site refused to allow me to dispute this hard inquiry online. 

I want to notify Experian that is not me, it needs to be noted as fraud, and put a fraud alert on my credit report, and also remove this hard inquiry from my credit report. 

Experian never answers the phone, and does not allow disputes to be filed online, they only want to sell monitoring products, which I have, and it still won't let me report this fraudulent activity to them. 

I need help

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 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Unvalidated debt was deleted and than reported again. 
Further requested information has never been investigated, no investigation report has ever been received. See attached correspondence. According to FCRA unverified, unvalidated account must be removed from the inquiry initiated by the customer after 30 days. 
Please see attached letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage. I was already being denied for car financing and lease. So, in addition to the statutory damages, I will include punitive damages in my legal complaint if this matter fails to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian provides no way to remove a security freeze. 

My account has a freeze that is preventing me from getting any credit issued to me. The direct contact information disconnects you, and the automatic one only allows you to place freezes. 

When calling the XXXX XXXX XXXX you will be asked by a woman " where to direct your call '' then she will transfer you to a deadline or disconnect you. 

They provide no email support for this issue, and due to the software use and automation, you can effectively not reach them for anything regarding this issue.

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 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Lost job and cant pay our mortgage until next month

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 2021-06-14 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: MO

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: IA

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
I was notified XX/XX/2020 that I was behind on my loan payment with Heartland ECSI, which was in deferment prior to this. Although I had requested paperless/ email notifications, I was not sent an email notification at all. I called immediately and was prompted to make an online payment -- which I did on XX/XX/2020, this set up a recurring payment for XX/XX/2020 for the full amount due. I was told that this would cover the payments missed and prevent a report of delinquency to the credit bureau. Unfortunately, Heartland ECSI did in fact report this as a delinquency to the credit bureau. I called again, and inquired why this occurred, as I was told that the payment was made in time to avoid this credit issue. The representative I spoke with said that if I had made a One Time Payment on the day that I initiated the payment, it would have avoided the credit issue completely ; however since I was instructed to create a recurring payment ( that didn't go through until the 1st of the month, XX/XX/2020 ), this caused the payment to be a few days too late to avoid the credit reporting issue. This representative apologized for the misinformation from the previous representative, and she then informed me that I could take action to correct this issue and remove the delinquent notice on my credit. The representative sent me forms to apply for a forbearance. She said that this would resolve the issue and completely eliminate the delinquency on my credit. I filed for the forbearance as I was instructed and it was successfully applied to my account. Once the forbearance was active however, I noticed that the delinquency notice was still showing on my credit and my credit score was still significantly lower than prior to this notice. I called once again to Heartland ECSI, and inquired on why this was the case. The representative I spoke with stated that the previous representative was incorrect in the information she relayed to me regarding the forbearance. The representative said they could see the notes from that conversation, and he stated that a forbearance would have been able to resolve the credit issue if I did not make a payment at that time to cover the missed payments. He apologized for the misinformation that I had now received multiple times, and he said there was nothing they could do. My credit score went from XXXX to XXXX ( from the credit sources I checked ), and I now had a forbearance on my account due to the constant misinformation and lack of communication from Heartland ECSI. I would greatly appreciate if this issue could be resolved and corrected on my credit, as I was misguided by the incorrect information provided to me by Heartland ECSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I called Axos bank on XX/XX/XXXX to inquire about a promotion to receive {$100.00} bonus for depositing {$250.00}. A rep. named XXXX said that was all I needed to do. I specifically asked if I needed direct deposit and he said " No ''. They say it is a on recorded line. I asked them to preserve the calls. After I opened the account, I called again once my linked checking account was effective, to ask which account to deposit the {$250.00} checking or savings. A different rep. now says I need direct deposit or else I won't get it. I said XXXX told me so you should honor it. I asked to speak with a supervisor and they said he will call back the next day. He never called at all. I called again 4 business days later today XX/XX/XXXX and surprisingly XXXX answered again and said the Sup. left a secure message on their website for me and I asked again for a supervisor and XXXX said I can't speak to anyone else. It is absolutely below the basic business standards to not be able to get a supervisor. They lied about their terms on the phone giving me false information they should be responsible for and held to it. They lied about a supervisor calling on the phone. They won't make things right. I do not want to do business with them unless they pay me the {$100.00} and wouldn't of started with them without it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has refused to remove the three fraudulent inquiries. Ive also sent in an FTC report. They still havent removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) stats that a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has almost been 45 days. The items that I have listed within the correspondence I sent them must be deleted immediately please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.

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