vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-01-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Yes back in XXXX  I think can't remember exact dates. Wells Fargo made me lose my home. They said I had owed them {$5000.00} and that was not true. And they said if I didn't pay we would lose our home. Well I was laid off my job at that time and we were not able to pay {$5000.00} for something we did not do. So we ended up losing our home because of Wells Fargo

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 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I have a mortgage on my home in XXXX XXXX  but split time between there and XXXX XXXX. LoanDepot made and services the mortgage. I have set up my account for paperless notifications and autopay. 

My monthly payments were {$3000.00} until, in XX/XX/2022, LoanDepot imposed an extra {$820.00} for force-placed insurance without notice to me. When I found out about this last week, they had already taken that extra amount from my bank account twice and they intend to do it again this month. 

When I inquired about the added charge, they requested my insurance renewal document, which I submitted promptly on XX/XX/XXXX. Now they say it Loan Depot will take another 10 days or more to return my money, which by then will have another {$820.00} added and that they will not pay interest on the balance of my funds they are holding. 

They also said they sent XXXX letters to my XXXX house notifying me that they had not received the insurance renewal document from XXXX. I did not receive any of those letters and as noted have set up all administration and communication to be online or by email. 

The fellow from the escrow department also said CFPB rules require them to send letters before imposing an insurance policy but forbid communication by email or phone. He was quite adamant about that restriction, which made no sense to me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Fraud has been committed on my XXXX XXXX which violates the FCRA and FDCPA. NCB MANAGEMENT SERVICES , INC. is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required *purchase agreement* Evidence that you are a licenseded debt collector *Chain of Title* Proof your are license to collect a United states debt and enjoy it *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all XXXX  activities and have the tradeline line deleted from my XXXX Report. Also see attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: FL

Complaint narrative:
THIS IS NOT A DUPE. Equifax is sending wrong uncorrected information on my credit file to XXXX parties, my lenders. They are re-aging the " REAFFIRMATION '' from XXXX  years ago XXXX XXXX. 

They have failed under multiple complaints to correct my file. I have contacted XXXX XXXX XXXX XXXX about the XXXX  and the bank states to contact Equifax that they are not reporting the account in Collection or any other Derogatory information. 

I have filed several disputes and complaints to NO AVAIL Equifax continues to report erroneous uncorrected information to my lenders directly negatively affecting my Score, Accounts, Utilization and overall Credit Worthiness. Their investigations have not resulted in the correct action. Though, documentation has been sent, they have taken their time and totally failed to remove the NEGATIVE information from my credit file. They have shared the incorrect information which most recently have resulted in a closure of my XXXX XXXX XXXX ending in XXXX, and reduction of my credit with XXXX 's that I have had for years. 

This company is unethical and represents " bad business ''. Their business license should be rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I did not consent, authorize, or benefit from any of the following accounts 1. Affirm Inc XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My issue is really not with the collections company ; however, it is that I should not be receiving calls, texts or bills regarding lab work done in doctors office ( which was out-of-network for my insurance ), so they denied claim because the doctor did not do her verification of coverage before service was provided. The matter is being disputed under the XXXX XXXX XXXX Billing Act with hopes that it will be resolved accordingly, but in the mean time, this XXXX XXXX ' has been sent to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Recovery Services, Inc.
State: GA

Complaint narrative:
I am being sent correspondance in regards to a lawsuit being filed from Genesis Recovery Services. The person identified in the letter is a person I do not know and no knowledge of the debt. Please remove from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i just got my social security number on XX/XX/XXXX and i put it in XXXX XXXX and all the info that shows up is from someone else. She's been using the social for XXXX years. I can't open a checking account because the background is someone else 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/23 notice suspicious activity in my account investigated made a ftc report victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am consumer XXXX XXXX and I have requested several times that EXPERIAN send my my credit report. There are some inaccurate items that are false and EXPERIAN does not have my consent to report any of my information. EXPERIAN has assumed a role by XXXX which means they need the consumer 's consent to report my information. I'm demanding reinvestigation results and contents of investigation to be sent by mail to the consumer. EXPERIAN is violating my consumer rights pursuant to the Fair Credit Reporting Act.

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 2023-01-11 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: TX

Complaint narrative:
I am filing this complaint on Equifax because this agency has ignored my dispute I sent to them on two different occasions in regards to 9 accounts from the same creditor that are violating my privacy and hipaa laws without my authorized hipaa release form consent. XXXX was the only other agency reporting 8 of the accounts and XXXX has deleted the items. I dont know why Equifax refuses to delete the disputed items when they have been put on notice twice. 

XX/XX/XXXX i sent Equifax a dispute expressing that a hipaa release form was never signed or authorized for XXXX XXXX XXXX XXXX to acquire my private medical information. 

XX/XX/XXXX i also sent XXXX XXXX XXXX XXXX a letter in regards to the 9 accounts they are reporting. Tracking XXXX XX/XX/XXXX XXXX XXXX recieved my letter. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX XXXX Deleted the last remaining account on my XXXX file. 


I have yet to receive any results from equifax or a response from XXXX XXXX till this day. 

To my understanding once a modification has been made with XXXX reporting agency, they are required to send the results to not only the furnisher of information but also to notify all other consumer reporting agencies on a nationwide basis. Why hasnt equifax complied by deleting the same items being reported after receiving notice from transunion of the carbon copies. 

XX/XX/XXXX I got a updated report from myequifax website and to my surprise these items are still reporting. I have given Equifax the respectfully time to conduct and investigation properly. If they conducted a investigation properly then they would know that these items should have been deleted a long time. And if they didnt conduct a investigation then equifax is in violation for failing to investigate and reinvestigate items I brought to there attention on two different occasions. if you take a look at my recent XX/XX/XXXX report you will also notice that equifax is not even reporting account numbers on some of the items. if the account numbers are reporting then its very clear that the accounts could not be verified. Equifax knows there policy but refuses to comply to federal and state regulations. 
I can not get Equifax attention and now I am asking for your help to settle this on going matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited {$1500.00} at XX/XX/XXXX at XXXX XXXX into a bank of America ATM located on XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Instead of putting in my debit card, I accidently put my credit card and through with the deposit process. A screen showed up and says " We're sorry but a machine issue has occurred and we can't complete your payment or return your cash ''. The machine didn't count or give my money back so i called Customer Services the following XXXX since the offices were closed. The bank informed me they would offer a {$1500.00} credit on my account while they resolve the issue for 45 days. After the 45 days, they concluded there was no proof i deposited money on that account so they took back {$1500.00}. I've called back numerous times about this claim and they seem to neglect my claim by directing me to different divisions. I don't feel like this company has the best interest for me and customers.

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 monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: FL

Complaint narrative:
I had a loan with a company called XXXX and they suddenly sold all their loans to a company called SST. SST has lacked transparency from the start of the service and is withholding information about my loan. XXXX no longer shows me my payment records, and states that SST completely owns the loan and has all of my information. 

SST has failed to provide an accurate payoff balance or my payment history despite XXXX separate requests to get this. Without my payment history, I can not corroborate that my current balance is accurate and I have reason to believe that its not. It does not match what I recall seeing on the XXXX website previously, but all of the information under the original company is now gone and they insist SST has all the information. I cant access any information from this loan anymore, and I stated that until I receive my financial records and accurate information about my loan, I will not continue paying. 

Each time I speak to a representative they say they understand and they agree. Its been a month and a half and they have failed to provide the information yet they call me 5 times a day trying to collect. 

Additionally, they seem to have changed my previous loan terms. Each payment made to them requires a $ XXXX {$10.00} processing fee that was NEVER a condition in my previous agreement. Even autopay features with them incur a significant fee. This is an uncommon practice. 

Overall this company seems unable to appropriately service the loans they acquired from XXXX, due to a lack of technology and staff, and have failed to provide transparent information regarding my loan and its terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: VA

Complaint narrative:
The Equifax breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. Bank XXXX XXXX XXXX XXXX violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I told them I have never used any of these credit card and asked to dispute these charges because I never used them and I was unaware about this credit card because I never used it at all. I want to remove this credit card off because it is messing up my credit report bad and in need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
There were two problems : 1. XXXX card sent to me in mail. I did not apply for the card. Resolution : Called XXXX XXXX. The card was cancelled. 
2. XXXX XXXX application started in my name. XXXX ( Comenity ) sent me a letter asking me to confirm the opening of the account. Resolution : I called Comenity bank customer service and was forwarded to the account protection line. However, I was on hold a considerable amount of time and hung up. No one answered. There doesn't appear to be a way to resolve the issue through email either. 

I have placed a lock on my credit report, so hopefully, this will keep additional attempts to use my identity to open accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Even within a Statement period, if a promotional transfer offer is taken, you are forever prevented from paying off the initial purchases without first paying off the promotional amount. All future overpayment is allocated to the interest free promotion negating the " interest free period '' advertised and forcing the consumer to pay the significantly higher interest for the remainder of the period. This is the only company that I have dealt with that will not allow the allocation of a payment to be placed toward higher balances. 

Initially with the transfer, I had paid the " interest savings balance '' I did err in paying immediately after the transfer. I immediately called to the supervisory team to see if I should reverse both transactions. The payment was reversed and I was advised I would be able to call back and be told what to pay to allow me to pay off new purchases and leave only the balance transfer and promotional purchases through XXXX. Instead, I am locked into paying for all other purchases prior to the transfer and thereafter until the balance transfer is paid. Meanwhile, I paid a 4 % upfront transaction fee for this debacle. I intend on paying off this card and forever moving away from chase CC 's. This entire process seems designed to entrap those with balances into paying interest. The frequency with which offers were sent to our home after we had maintained a balance is disgusting now that I have this insight. This is my first balance transfer on my XXXX card and rest assured, it will be the last.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I opened a checking account with chase bank and my funds cleared and I tried to XXXX  money and it froze my account up and they will not release my money to me it's around XXXX XXXX dollars please have them send me my money it's been almost a year now this is not right what chase has done to me

Company response to consumer: Closed with explanation