vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
the account is past due, cause of covid-19, the reemployment assistance is still pending, i check and call them but there isnt a way to leave a message and sent a email on there site still to this day, ive heard nothing they are calling use the number i give and a XXXX number as well, when i call american express they had me on a recorded line with out my permission and wanted me to agree for auto payments in out to get any assistance. i file a dispute all credit bureaus all sent it back as frivolous.at this time it is hard for me to maintain .they add late fees and high interest and sent a email stating if i miss two more payments they will be reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed accounts i did not authorize

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 2020-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed accounts i did not authorize

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 2020-08-16 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 recently obtain a copy of my credit report and noticed accounts i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express continues breaking the FDCPA laws established for debt collection. With a balance around {$800.00} and a past due amount of {$38.00}, American Express called both my cell phone and home phone On a SUNDAY after the legal time frame of XXXX per FDCPA. This is the second week in a row that American Express has called past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I am not sure what this company is pulling. I started having problem with Fay Servicing early this year when a creditor that came back from 20 years ago went to my bank account and withdrew around {$3000.00}. It cost my online payment with Fay to dysfunction. I just don't understand why these banks will sell their mortgage to another company without regards to the mortgage holder. XXXX XXXX XXXX   would have worked better with me under this current situation. Anyway,  I tried to come-up with the money to catch-up with payments to no avail. This was when the covid-19 issue surfaced and I stopped working because I was taking care of my wife- who is going through XXXX, and my elder-mom who is going through XXXX. I tried to work it out with Fay and they promised to help me re-modify my mortgage terms to the best that will fit my situation. However, Fay asked me to submit some information, which I did. Fay later found-out that I am XXXX, and sent me a letter telling me that I did not qualify for any option that is alternative to foreclosure. Firstly, FAY had sent me an appraisal of the property. In other words, they were asking me to sell. I don't want to sell my only home of 20 years. What about the CARE ACT- covid-19 federal government help? There was no mention of  such option. This company wants my property because they believe it will make them money. For Christ sake, I have a family who depend on me in these disastrous period, but a company like FAY will choose such time to come-up with highly strenuous decision without working with the federal government to help the American people. FAY is citing my income ( not sure if it is the unemployment income or my original income ) as the reasons behind my not qualifying for ( a ) repayment plan, ( b ) deferment, or ( c ) service modification. It was the income from my original job that had helped me sustained my past mortgage payments. So, what happened now? I still can go back to the old job when this covid-19 issues subsides. I bet FAY did not even consider any other option because of the determination to sell my house for their selfish gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX, Chase Bank told IRS how much money I have and how much I deposit/withrow even tax free bond. 
The law say Chase can show IRS only 1099 INT that show how much interest they paid me, so because what Chase did, the IRS behind me now and what me to pay them {$47.00}, because Chase confuse the IRS. 
I called Chase and they said will send me 1099 form and I will get it in one week, now this is about a month but never got it. 
I call ed Chase back many times but they hung up on me. I need 1099 form y
ear XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I was shopping on the XXXX website, and I was offered the XXXX credit card. I was given a prequalification option only. However, after introducing only some of my data as only the last 4 numbers of my social, a hard inquiry was made on my equifax report. I did not authorize this consultation, and this is damaging my credit history. The advertisement said it was just a pre-qualification with no impact on the credit history. I would like to ask that the hard inquiry be excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: CO

Complaint narrative:
this complaint is against experian the other bureaus were easy to use. Repeated attempts to unfreeze report has failed. the online service is no help, telephone attempts are also useless the automated service will not take input you can not get to a live agent to resolve conflicts.

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 2020-08-16 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: LA

Complaint narrative:
My identity was stolen someone has opened accounts in my name I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020 I was submitted to an online prequalification system without impacting the credit history on the capital one website. 

However, the system obtained a copy of my credit history without my permission, a hard inquiry was made. 

I only authorized the prequalification without impact on the history, but I did not authorize the application. 

I kindly ask you to remove the hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a complaint lodged with the XXXX ANF GETTING READY TO FILE ONE WITH FTC FOR SCAMS AND ID THEFTS BECAUSE OF DIFFERENT BREACHES I HAVE BEEN INVOLVED WITH!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My identity was stolen someone has opened accounts in my name I did not authorize.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My identity was stolen someone has opened accounts in my name I did not authorize.

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 2020-08-17 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: FL

Complaint narrative:
Re : Request to Reinvestigate & Delete Accounts Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.1.XXXXacct. # XXXX2.XXXXacct. # XXXX,3.XXXX XXXXacct. # XXXX,4.XXXXacct. # XXXX,5. ( Original Creditor : ) acct. # XXXX6. ( Original Creditor : ) acct. # XXXX7. ( Original Creditor : XXXX ) acct. # XXXX  The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Request to Reinvestigate & Delete Accounts Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, Equifax, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.1.XXXXacct. #  XXXX,2.XXXXacct. # XXXX3.XXXX XXXXacct. # XXXX,4.XXXXacct. # XXXX,5. ( Original Creditor : ) acct. # XXXX6. ( Original Creditor : ) acct. # XXXX7. ( Original Creditor : XXXX ) acct. # XXXX The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

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 2020-08-17 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Dear Collector : Please be advised I XXXX XXXX state this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger an action for damages brought by an individual consumer against LVNV., for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 
Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX state that your claim is disputed, and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of all claims against myself, and your tacit agreement to compensate : XXXX XXXX for costs and attorney 's fees. If after careful review of this debt, you find you have no valid reason to further your interest with me, please delete any negative information you are reporting to the credit bureaus and send us written verification this account has been deleted and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
I got prequalified through them and did a lot of work ( sending in paperwork, etc. ) that I went with them for my mortgage process. The process started out good, but quickly after became a mess. XXXX XXXX was the loan agent and was not good to do business with. 
He wouldnt convey information clearly and misrepresent things constantly. He would assure things were on track and everything would get done In a timely manner and then come back shortly after and ask for additional documents that were not needed. Primary residential mortgage also doesnt tell there clients they have to pay for there own appraisal fee until the end of the process which is very unprofessional on there end at the cost of {$590.00} this was also another issue I had with Mr. XXXX XXXX. My closing date was changed 3 times due to his negligence because he wouldnt do his part properly in the process. Due to him and his company, I lost the home I was under contract on because he continued to push my closing back with and excuse every time. Him and his company should be flagged for this practice because several others have had similar issues with this company. Ive reported them to the federal trade commission act for deceptive and misleading actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XX/XX/XXXX Letter was mailed to me by XXXX XXXX XXXX ( Home Owners Insurance ) advising that my renewal payment had not been received. My insurance is escrowed. I first called New Rez c/o Shellpoint On XX/XX/XXXX to inquire about why the payment had not been made. I was advised that the insurance department was closed to call back XX/XX/XXXX. Immediately I called XXXX XXXX, where I was advised that XXXX was due. Invoice had been submitted to New Rez c/o Shellpoint Mortgage on XX/XX/XXXX. Payment was declined. XXXX advised that she would resend the invoice to the fax number they had on file. I reached back out to New Rez c/o Shellpoint Mortgage on XX/XX/XXXX, where I was given several reasons ranging from them having thousands of accounts that they serviced and mine may have been missed to them not having my insurance information on file. The agent stated that my fax sent from XXXX on XX/XX/XXXX had been received, so now they had my insurance information. I asked why my information had been deleted off my account as they paid on that same policy last year. I have not made any changes to my insurance in years! The resolution of the call was a check would be overnighted to XXXX and there would be payment in 24-48hrs. I waited to call to allow time for payment processing, then on XX/XX/XXXX I received notification from XXXX that my insurance expired. I immediately called XXXX and had a three way call performed to somehow stop the process of cancelation. I was told that the mortgage company gets a grace period of two months to make payment and the account was pending termination set for XX/XX/XXXX. The XXXX XXXX and myself called New Rez c/o Shellpoint mortgage and were told the check had been cut on XX/XX/XXXX it would take 10-20 business days for the payment to be made. XX/XX/XXXX I received an email notification stating that the insurance had been reinstated. 

I am filing this complaint as the mortgage company failed to make my homeowners insurance payment ; placing myself in financial jeopardy in the event there was a loss of the property. If I had not been on top of this issue my insurance would have lapsed! The account is escrowed and should have been better managed. As a consumer, I should not have to spend time away from my employment to address the neglect of the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation