vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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: The Stark Collection Agency, Inc.
State: IL

Complaint narrative:
Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. I have received a bank statement and contract with my alleged signature attached.i am not disputing or denying that this account exist, I am disputing because this account does not belong to me. The contract The Stark Agency has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY 927 Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the Veridan Credit Union vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from The Better Business Bureau. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capitol One is now blatantly DEFYING the CARES Act ammendment to the Fair Credit Reporting Act by refusing to amend customers payment histories from previously past due to current for those effected by COVID 19. 

" If the account was delinquent prior to making the accommodation : continue to report the account as delinquent. However, if the consumer brings the account current during the period of the accommodation, report the account is current. '' This now falls squarely under the definition of willful noncompliance ( section 1681n ) or negligent noncompliance ( section 1681o ) with the FCRAs obligations. 

Capitol One is refusing to update my account history from " past due '' to " current '' for 6 mos of 2020 XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX as a result of COVID 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received a phone call today from a XXXXXXXX XXXX XXXX company XXXX XXXX ) stating I had a lawsuit against me from Ace Cash Express and the hearing would be at SD Court. Case number is XXXX. The man I spoke to said I would have my wages garnished. I am not working at this time due to Covid. I can not pay this loan and the amount ordered is over XXXX. I never received that much of a loan, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C.
State: MS

Complaint narrative:
I have been contacted several times by this law office about debt and requested several times that they send me the information. The guy on the phone stated that they had and someone signed for it and I repeatedly told him I had not received anything. 

They proceeded to list this account on my credit report and I have XXXX XXXX from canceling this lease so they are reporting a debt I am not liable for through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Cash out refinance requests through multiple lenders including : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Rocket Mortgage All are not actively offering loans to credit worthy borrowers who own investment homes and are seeking to refinance using a cash out option as offered by the firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On all three Credit Bureau that Small Business Loan that I have disputed and they know I did not apply for is on my credit report. I have never applied for a Small Business Loan and I do not have a business. On Experian it states this will not be removed until 2022. I sorry ; this is an inside job with these credit bureau, how would anyone know my pass addresses or that I am retired. I want this small business loan off my credit report. I can check my credit report everyday if I chose I have been back so many times. I just want it removed. I talk with the Small Business Administration now it needs to be removed from my credit report. Did someone there use my information to get a 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 2020-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Student loan was put on my credit report without my consent

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 2020-12-15 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: AR

Complaint narrative:
Student loan was put on my credit report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Student loan was put on my credit report without my consent

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 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not authorize the following inquiries on my credit report : XXXX  - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX - XXXX, XXXX 2020. I have attached all the required identity documents to this complaint including ; photo ID, social security card, proof of address. There is no reason for Experian to not complete this complaint.

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 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I received a call from XXXX complaining about not receiving a payment. I have automatic bill pay with US. Bank. Upon checking my status with the online banking the account was listed as paid. This has caused my credit score to drop. After paying off one of my credit cards to raise my score. I was told by US bank employee to delete the account and start all over. Which I did. But the results were still the same. Money didn't make it to XXXX and they tell me that US. Bank is sending the money to the wrong place. This is the type of stuff that makes problems for folks.

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 2020-12-15 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: AZ

Complaint narrative:
Hello, This is most likely fraud on Better Mortgage Corporation end but here is what happened. 
I wanted to refinance my mortgage around XXXX of this year 2020. I initially went with Better Mortgage Corporation. During the 3 day window of right to rescind I decided to cancel my loan with them because I found out there was a much better offer which was not even close to Better Mortgage Corporation. I had mailed them the documentations as well as the title company and emailed both. I also got a confirmation from Better Mortgage Corporation as well that the loan had been rescinded. At this point I had had another Mortgage company who I went with and have been paying them my mortgage payments. From XXXX to XXXX I was getting emailed from the lenders service they work with XXXX that my loan was being serviced. AT THIS POINT I emailed and called them for a month straight saying I do not think that you guys actually canceled the loan but they reinsured me they did. I recently called the title company and they did cancel the loan BUT SOMEHOW XXXX still ended up getting it and then sold it to XXXX who ILLEGALLY got it and then loan care the servicer was contracting me about collection about a mortgage I never approved. I even went as far as to call XXXX and ask them what do I have to do to prove that this isn't the correct information and EVEN had a 3 way call I set up between them all to fix this. I have multiple emails and phone calls. NOW it looks like I have 2 loans for the same house. The opportunity cost I am suffering right now is beyond understandable for most. I have had a place where I wanted to refinance my house and then take cash out to buy for example but I can not because no lender will allow me because it looks like I have 2 loans on my house this has been going on for now 2 weeks. So now I have to pay XXXX more just for what I was looking at. This is what better is costing me. As well as rates and offers change every day. AS WELL AS the additional .5 or .25 increase in rates at the end of the year possible. Between the over 80 Horus I have spent trying to figure this out with everyone involved this should NOT TAKE now coming up on 5 months to solve and figure out. At this point it has cost me money with a business venture. I gave this company MORE than enough time to sort it out but they never did. They have said to me on the phone after I said I would contact the CFPB and get a lawyer is when they finally started to MAYBE do something as they are the lender violated Under TILA and Regulation Z. As well as sold a loan they never even had. Then I had to pay the consequences now for 5 months almost. THERE IS MULTIPLE TIMES WHERE THEY SAID NO ACTION IS NEEDED ON YOUR END WE HAVE FIXED THE PROBLEM. Emails will be attached and phone conversation are even worse but we will see if I can find them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I have been contacted several times by this law office about debt and requested several times that they send me the information. The guy on the phone stated that they had and someone signed for it and I repeatedly told him I had not received anything. They proceeded to list this account on my credit report and I have SCRA protection from canceling this lease so they are reporting a debt I am not liable for through National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps
State: CA

Complaint narrative:
I believe XXXX is definitely a scam artist. I signed up with her for credit repair after watching her XXXX videos. I really thought she knew what she was was doing. I enrolled on XX/XX/XXXX and made faithful on time payments. 

From the start, I was never able to get a hold of her after signing up. I even purchased her XXXX XXXX for additional contact means and still no prompt responses. It wasn't until I canceled the XXXX XXXX that she finally responded. 

She would not send or process my disputes when they were due and when reaching out, I would still receive no response. 

After months of paying, I started to notice I never received and responses from the credit bureaus after her letters were sent. During my time with her, I continued to dispute items on my end, and I received responses to my letters ( inquiries and missing credit information ) ; however, after 3 " dispute rounds allegedly sent by her '' *I have received no response letters.

I finally could not take it any more and decided to cancel. I review my signed contract and followed all the i
nstructions. It has been 2 weeks and I have still not received a response to my cancellation request. I have sent 5 emails, submitted 3 support tickets at her help desk and she refuses to respond.

To add insult to injury, she plead guilty to conspiring with others to sell stolen Social Security Numbers ( SSNs ) over the internet and to providing a false SSN on a loan application in XX/XX/XXXX. She now has my social security information and I am now worried my social security information has been compromised and is no longer safe.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, Cash transfers from an unknown CashApp account were attempted using my XXXX. I am notified of every transaction immediately, so I was able to call XXXX within 5 minutes, from XXXX where I was when this happened, to block the transactions. One was in the amount of {$300.00} and the other for {$600.00}. 

I checked my personal account and did not see these transactions, but somehow the XXXX linked to my account was used by another CashApp account holder. When I called, CashApp walked me through securing my account but was not able to confirm being able to remove my card from other accounts and closing those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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:
Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. I have received a bank statement and contract with my alleged signature attached.i am not disputing or denying that this account exist, I am disputing because this account does not belong to me. The contract XXXX XXXX XXXX has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY XX/XX/XXXX Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the XXXX XXXX XXXX vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from The XXXX XXXX XXXX. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: IL

Complaint narrative:
Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. I have received a bank statement and contract with my alleged signature attached.i am not disputing or denying that this account exist, I am disputing because this account does not belong to me. The contract XXXX XXXX XXXX has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY XX/XX/XXXX Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the XXXX XXXX XXXX vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from The XXXX XXXX XXXX. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes

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 2020-12-15 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: KY

Complaint narrative:
On XX/XX/2020 I changed my bank account from a local bank in my home state to Chase Bank. I had already had a Amazon credit card through them. On accident I made a couple of payments that was directed to my now closed banking account. After doing it twice I finally noticed what I had been doing and changed it to my new Chase Bank account. After a couple of days I am told that my Chase Amazon Credit Card was closed because of this mistake. I have been a loyal customer for nearly 8 years and have made all my payments on time and in an efficient matter. The fact that if I make a mistake and they close it is absurd. I would like to launch a formal complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX I was attempting to refinance my coop with Bank of America. 
Everything was going along nicely and we were about to close on the deal when Bank of America then had an issue with my cooperative board and the deal failed to close. 
Now, in XX/XX/XXXX, I am refinancing and I have been told that there is a UCC 1 lien placed on my cooperative by Bank of America on XX/XX/XXXX, even though I never received financing from them. They placed a lien on my stock and lease prior to the deal closing and never removed it. Now I can not close on my current refinancing until Bank of America removes this lien that never should have been placed. I have called many different BOA numbers but I can not get anywhere or even speak to a representative without a loan number and there is no loan number since we never closed on the refinancing. I have also emailed BOA 's lien release department but they do not respond. I am attaching the UCC 1 lien placed by MERS as nominee for Bank of America.

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 2020-12-15 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation