vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX- Last reported XX/XX/XXXX {$8900.00} Reported balance XXXX  {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: Webcollex, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2020, CKS PRIME INVESTMENTS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Advcollbur {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Advcollbur Opened XX/XX/XXXX - {$410.00} Original creditor : XXXX XXXX XXXX AND ANY OTHER COLLECTION ASSOCIATED WITH MY NAME AND SOCIAL PLEASE REMOVE, THEY DO NOT BELONG TO ME ATTENTION DISPUTE DEPARTMENT Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XX/XX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am a consumer and Discover Bank has violated my federally protected consumer rights under 15 USC 1692, 15 USC 1681, 15 USC 6801. They have ignored my cease and desist, my affidavit of truth was never rebutted. Discover continues to abuse, use profane language, abusive phone calls and emails. Discover also is destroying my reputation as a consumer financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WV

Complaint narrative:
This complaint is in reference to a conventional home mortgage with Flagstar Bank : - Property Address is XXXX XXXX XXXX XXXX XXXX, WV XXXX - Loan number is XXXX - Payee is XXXX XXXX - Initial mortgage amount was {$510000.00} initiated in XX/XX/XXXX. 

I made a {$400000.00} payment to principle on this mortgage on XX/XX/XXXX via wire transfer from my account at XXXX XXXX As of today, XX/XX/XXXX, Flagstar Bank has not posted this payment. I have called them five or more times checking on when this will be posted and have not received a straight answer. Flagstar Bank representatives have indicated that they can see this payment in their pending files and that some department that is responsible for posting these payments will eventually get around to it. I want this payment posted immediately and to ensure that it is processed as a payment on XX/XX/XXXX for interest 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 2020-12-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent out my dispute letters XX/XX/2020 and I have not received a response back yet. Its been past 60 days and I have not been responded to.

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 2020-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My name is XXXX XXXX, # XXXX During Covid-19 Pandemic Wells fargo offered, their customers a 3month Deferment option, total 60 days allowance. With that, they just putting the payments at the back. Now when i called, to first get the Defer, i asked about Refi, cause i am now on XXXX, not working, and of age, that i do not want to carry out the Loan, for 5 more years. I am born XX/XX/XXXX. The car is XXXX, XXXX XXXX. With Gap warranty, which is a scam as well. Now, i call again, in XXXX, for Refi, they are no longer offering that, nor defer. But, when i did the defer, the first time, secon time, that carried my loan, until XX/XX/XXXX. I received something in the mail, says is now stretched until XX/XX/XXXX. Cause of new defer, in which its not. I called them, yesterday. Neither manager, or rep know why its a year off. I already, wanted to end my business with them, when the CEO<president of the company made the XXXX, remarks about XXXX. That offended, me, millions of others, as the consumer. So today, i want to know why, if we want to, are not allowed to refi, get less of a burden, or bills right now. Or payment be adjusted, do to lost of income, cause i would still be working if it wasnt for the XXXX, at least until i retire. I would like, something done. To shorten, term, lower payment. 
I think right now, its bad to prey on the consumer. Elderly espescially.

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
On XX/XX/2020 XXXX XXXX with Radius Global Product called my mother, XXXX XXXX at XXXX XXXX XXXX, asking for XXXX XXXX XXXX XXXX. They were told this wasn't our phone number and were hanged up on twice. 

On XX/XX/2020 XXXX XXXX called Mrs. XXXX again. This time they were told that XXXX and XXXX XXXX were not there and that wasn't our phone number. Mr. XXXX said that he was collecting a debt for XXXX XXXX and said the estimated amount of the debt was {$30000.00}. 

Beyond asking for information about persons location a debt collector is not permitted in the Fair Debt Collection Practice Act to provide any information regarding the debt to any person other than the person they believe owes the debt. 

I called Radius Global Product to gather information about the caller. MrXXXX XXXX freely discussed the debt until I asked for the name of the person who called Mrs. XXXX earlier and provided information to someone other than person who they believe owes the debt. Mr. XXXX, once confronted with this question, began asking if I was XXXX XXXX. I advised that I would complain to FTC / CFPB, about this incident and again if any other persons are contacted. 

The phone numbers used by Mr. XXXX for the calls were XXXX XXXX XXXX and XXXX XXXX XXXX.

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 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
On XX/XX/2020, I went to the HSBC bank branch located at XXXX XXXX XXXX, XXXX, VA XXXX to close an old checking account I had at HSBC. The account contained {$1700.00} and had been at that balance for over a year. I asked the representative at the branch if I could withdraw the money and close the account. He said yes, withdrew the money, provided a receipt of the transaction showing an ending balance of {$0.00}, and told me the account was closed. I left the branch and deposited the money in another bank. 

Recently I received a letter in the mail addressed from HSBC stating : " Subject : HSBC Bank USA, XXXX. 
Account Number Ending In : **** Amount Due : {$15.00} Dear Customer, We would like to thank you for being a valued HSBC customer and we hope you are enjoying all the services and benefits. 
We recently notified you regarding the overdraft of your HSBC checking account. Please deposit the amount above to cover the overdraft as soon as possible. 
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Evidently they have made an error while closing the account and never did so, then charged me an overdraft and/or low balance fee on the account which they said was closed. I even specifically asked at the branch if the withdrawal could be made, and the account closed, without triggering any of these fees, and their representative stated that it could. So now HSBC has made a mistake closing an account I no longer have, erroneously charged me fees, and sent me harassing letters about a nonexistent debt which I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am disputing some accounts in my credit report but I have not received a response from the bureaus. 

I will attach the letters sent to the credit bureaus.

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 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am disputing some accounts in my credit report but I have not received a response from the bureaus. 

I will attach the letters sent to the credit bureaus.

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 2020-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I would like a thorough reinvestigation, i sent my license social card bill a affidavit to Transunionn. They recieved it, i sent it with return reciept priority. I asked them to fix and delete all old adress, alias. My name is XXXX XXXX XX/XX/1976. I live at XXXX XXXX  XXXX XXXX XXXX nc XXXX phone # XXXX XXXX XXXX. No other po box or names shall appear on my credit report. Please Delete several inquiries .i do not remember making o my report with no permissible purpose. XXXX ( 4 ). PLease send proof under the FDCPA to accuracy. Please send originnal application with wet ink signature. To substantiate accuracy. I know what a inquiry is i do not rmember givig permission. Plaease send permisible purpose. There is no address on report to contact furnisher making information inacurate. That is a violation. I should be able to contact them to defend myself. Please respond promptly with facts and law. I already contactacted them to resolve this. They have no signed application on record.

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 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
The last complaint I filed was closed and unresolved. The company DID NOT in any way answer the REASON for my complaint or certified letter, so here is a new complaint. 

I have explained clearly, multiple times now, that we put in a request to remove the PMI on our property due to SUBSTANTIAL HOME IMPROVEMENTS. 

Flagstar 's PMI Removal Request has three ( 3 ) reasons to submit the form ( quoted word for word from their form ) : 1 ) " Principal balance reduction '' 2 ) " SUBSTANTIAL HOME IMPROVEMENTS made to the property increasing the value '' 3 ) " Appreciation of property value '' For the love of all things that are holy or cursed : WE. SUBMITTED. THE. PMI. REMOVAL. REQUEST. FOR. REASON. NUMBER. TWO ( 2 ).

Gon na spell it out slow : W-E M-A-D-E B-I-G I-M-P-R-O-V-E-M-E-N-T-S T-O T-H-E H-O-M-E. 

We remodeled several parts of the home, thereby increasing its value. 

Why XXXX, WHY does Flagstar keep ignoring the actual reason we requested to have the PMI removed?? 

Their denial letter to my form didn't answer this. 
They ignored my certified letter completely. 
They once again didn't answer it in my first complaint through CFPB. 
So here we are again. 

How is it possible for these people to literally keep ignoring over and over and over and over, the actual reason for my complaint and the reason we asked to have the PMI removed?? This is insanity. C'mon Flagstar, read the XXXX letters and give me a straight, non-BS answer. 

All they keep saying is our LTV % is " too high ''. The number they keep giving is the appraisal divided by the balance owed. THE HOME IMPROVEMENTS WE HAVE MADE HAVE NOT BEEN FACTORED IN ONE SINGLE TIME BY FLAGSTAR. 

What is sounds like, is they are trying to force us to get a new appraisal ( reason # 3 on their PMI removal form ). However, we submitted the form for reason # 2 ( substantial home improvements to property ). This has STILL not been addressed.

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 2020-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I sold my house in XX/XX/XXXX and am owed an escrow check of {$290.00} I did not receive a check until XX/XX/XXXX and was unable to cash it because the check was expired. I was told a replacement check was reissued XX/XX/XXXX I have called 3 times to ask where the check is they keep putting me on hold and hanging up. 
The Company is loan Depot, my loan number is # XXXX my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/2020, my daughter XXXX ( XXXX ), lets me know she can't find the credit card she shares with me. She believes it's misplaced and we order a replacement from Citicard. 
After a tumultuous 2 months during which I lose both my parents to XXXX, on XX/XX/2020, I check my credit card statement and spot XXXX fraudulent transactions for a total of {$10000.00}. 
I immediately contact Citicard, cancel the card and order a new one. I am told to fax a copy of my statements, circling the fraudulent transactions. The fax is sent on XX/XX/2020. 
Without any news, in XXXX I re-contact the fraud department. It seems they have not received my first request to reverse the charges. Over the phone, we go over the fraudulent transactions. I am told they should be reversed within XXXX cycles. 
In late XXXX, Citicard informs me the investigation is closed and deems the transactions valid, because my daughter had the card in her possession. 
Over the phone I contest this point to no avail. 
The fact is my daughter was visiting XXXX, NY. She believes the card was stolen at a restaurant there, on XX/XX/XXXX. She never filed a police report because she didn't think, at the time, that it was stolen. 
The fact that I kept using the card while my daughter 's card was also used fraudulently is interpreted by Citicard as " we had the card ''. 
I explained at length that we didn't know my daughter 's card was stolen. To no avail. They refuse to hear my explanations. 
The pattern of fraudulent transactions clearly shows a very unusual pattern and could/should have been spotted by Citicard. 
At this time, Citicard refuses to listen to my explanations and keeps charging me interest on the fraudulent transactions. 
I have been a Citicard customer for XXXX years. It is the first time I have a similar issue with this company.

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 2020-12-23 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: CITIBANK, N.A.
State: IL

Complaint narrative:
A couple of years ago I filled out for a Citibank card at Costco thats when the problem started I never did use the card the following year I did pay the annual membership and then ask them to close the account as I dont use credit cards however it never got closed someone from Washington got a hold of it continue to use it and it sat and sat and sat on my credit report as a late fee over 120 days plus I believe now all three credit scores have gone down Ive always been in the XXXX and now in XXXX Ive asked account to be closed at citi

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