vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
This company has started reporting on my XXXX  as of XX/XX/2020, and XXXX as of XX/XX/2020, exact date of being added I dont know but was on my credit as of XX/XX/2020. I only discovered the placement of these derogatory items from this company that I have never heard of prior to seeing them on my credit file. I have never heard of this company before spotting them on my credit files, never entered any agreement with them, and never had a communication from them. 
I researched this company upon seeing them on my credit files and see that they have many countless violations of the law and complaints issued about them. This is a serious concern to me in that I find it troubling to have a company with such a shady track record to have access to my information and files about me. They have not established their permissible purpose under the FCRA in accessing my credit files. 
This company opened these accounts more than five  days before I typed and sent this complaint and yet has not mailed me a validation letter of such debt. So they have made an initial contact by placing this derogatory information and yet they are violating the law in disregarding the Fair Debt Collection Practices Act by not fulfilling the validation of debt requirement offering me the chance to respond by demanding validation from them, denying me that lawful right. 
I am demanding of this company all documentation they have on file regarding this alleged account ; signed contract showing the existence of an account, the accounting showing the amount they are demanding, or the full and total deletion of this account from all of my credit files Credence is placing the account on, and their deletion of any and all personal information they have in their possession regarding me, and not to resell this alleged account. I have also demanded verification of this alleged account through the credit bureaus the account is placed on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 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: CA

Complaint narrative:
I have never signed a contract with XXXX XXXX XXXX They have failed to provided any debt validation on this account.

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 2020-04-28 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: CA

Complaint narrative:
I have never signed a contract with XXXX XXXX XXXX They have failed to provided any debt validation on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
suntrust closed my account more than 7 months ago and my money has not been returned.

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 2020-04-28 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

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 2020-04-28 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

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 2020-04-28 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: Conn's, Inc.
State: TX

Complaint narrative:
On the XX/XX/XXXX a fraudulent account was open at Conns XXXX in XXXX Texas using my stolen identity. 
On the XXXX of XX/XX/XXXX, I reported this fraud to Conns Fraud department. I was contacted by Conns Fraud, who assured me that the fraud account would be closed and removed from the Credit reporting Agencies. 

On the XX/XX/XXXX I once notified Conns XXXX  and again requested this delinquent account be removed. 

I also wrote a letter to XXXX XXXX supplying both an affidavit, email correspondence from Conns XXXX to substantiate my claim. 

XXXX has not investigated my dispute. Conn XXXX has not notified XXXX  of the fraud. XXXX  sent me a " fraud kit ''. I did not request a Fraud kit, I disputed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 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: OH

Complaint narrative:
I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, WV XXXX XXXX XXXX XXXX, XXXX, NY XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX , XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: OH

Complaint narrative:
I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, WV XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX , XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.

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 2020-04-28 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: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-04-28 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
The balloon payment condition in the modification was under duress. I had no option at the time but to accept it. The balance went from XXXX to XXXX and took away any realistic chance I had of ever actually owning the home. JP Morgan Chase also had the option to just reduce the principal to get me into an affordable payment and that was not their choice. Therefore, they took advantage of my vulnerability at the time to increase their profits!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
My account was reported 90 days late with Nissan Acceptance Co starting XX/XX/2018. I knew my account was coming up to be paid off so when the payments stopped being automatically deducted from my account I thought nothing of it since I was set up with the creditor for automatic draft. I received a notice in the mail about 2 months later that the account was delinquent. I immediately called and paid the remaining balance and asked how that was possible. They said apparently my payment didn't amortize over the life of the loan. I've never heard of that happening. During the financing it doesn't make sense why they wouldn't have covered the whole loan. I told the representative that I did not feel that this should be held against me and I was told it would not be reflected. I had my credit checked not long after the incident and sure enough there it was. I filed a dispute and was told it was resolved yet it is still on there. I have worked in the mortgage business for over 20 years and know how important credit is and how embarrassing it is let alone the affects it can have obtaining good rates. This has had a negative effect and would like it rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I would like to transfer money from my PNC checking and savings account to a savings account with XXXX XXXX. Unfortunately PNC is not allowing for accounts to be linked with any outside accounts. XXXX XXXX XXXX only allows money to be transferred through XXXX, which PNC is blocking. I feel as though PNC is holding my money hostage with this action, and forcing me to stay with their savings account that has extremely low interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This final t refuses to call me their executive office always calls me instead they email me Im not happy with their response they have not taken care of my concerns I recently applied for a credit line increase on my Exxon Mobils account and was declined for ridiculous reason which has nothing to do with my credit even though it was pulled without my consent the reason on the letter insufficient time since last review which doesnt make any sense since I never requested a line increase in last 6 months I never got this I dont understand them I called customer service they refuse to help me and their executive office too

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 2020-04-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
My grandmother passed away last year and I have been trying to purchase her home via a short sale as the heir of the estate for the entire past year. I have a mortgage broker in place who has been trying to negotiate with the reverse mortgage company with no success. The home is falling apart yet their appraisers only appraise it at almost exactly what is owed to them. After a year of negotiating and submitting all the paperwork they required multiple times because the file kept being " misplaced '', they tell my mortgage broker that they are no longer the bank and to submit everything again to the new lender, which we do with no response. All of a sudden at the beginning of the pandemic, the original lender begins contact again because they wanted to do a new appraisal. I refused because my wife and I have been XXXX  as mandated by the state and did not wish to have a stranger come into the house. They came and did an exterior only appraisal anyway and deemed the house to have gone up {$20000.00} since their appraisal one year prior. Both appraisal, one year apart, almost match what is owed on the home. The roof is falling apart, kitchen as well and the plumbing is bad. No repairs have been done. They wasted all of last year purposely and the foreclosure date was set for XX/XX/20. Due to the pandemic, the foreclosure was delayed but now they are the ones that are pressuring for appraisals and for us to purchase. In the middle of the pandemic. And very well knowing that the home has not gone up another {$20000.00}, especially now and will not have the same value when this is over. They are constantly sending harassing letters to their customers and are looking for any reason to foreclosure on the elderly. I know because I saw my XXXX year old grandmother go through it and my XXXX year old mom has a reverse mortgage with them too and is dealing with the harassment as well. They are one of the most unethical businesses I have ever seen and someone needs to step in and regulate them and hold them responsible for their actions. The home has been in my family for over 30 years. I will not just sit back and have it taken away when I have followed all proper procedures. I am including as much documentation as possible. Documents showing where this year they told me it was a new bank and where to submit my offer to, their two appraisals one year apart and the statements from those months showing how the appraisal to loan balance is almost identical, the harassing letters to obtain flood insurance, even during these trying times of the pandemic. 
Please try to help. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Complaint- our loan servicer is not abiding by the Borrower Protection Act or Program in time of crisis for Americans. They have stated it is the investors that own the security that are telling them what they can do. 

XXXX and XXXX XXXX FHA Mortgage Loan, monthly payment {$2000.00} Loan number XXXX Servicer Caliber Home Loans XXXX We are both in XXXX XXXX and with the COVID we would like some assistance. My wife and I called our loan servicer and asked to have 3 months mtg payments deferred to the end of my loan. We told them we do not want a forebearance where we have to pay 3 months payments all at once it does not make sense to even ask that because everything is shut down. Caliber stated the only forebearance program they are offering is one where all three payments would be due at one time and if we couldnt pay it our loan would go delinquent. 

I went to your website and found this article which specifically states there are other options for anyone with XXXX or XXXX backed loans : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-fhfa-announce-borrower-protection-program/ The missed payments will have to be paid back by the borrower. Mortgage servicers are responsible for working with borrower to set up a repayment plan that works for both parties. The missed payments can be added to the normal monthly payments, paid back all at once, tacked on to the end of the loan, or the borrower can have the term of the loan extended. 

https : XXXX If a homeowner requests a mortgage-payment delay and XXXX XXXX or XXXX XXXX backs the loan, the bank cant require a lump-sum payment after their hiatus ends. 
WASHINGTON To combat ongoing misinformation, the Federal Housing Finance Agency ( FHFA ) reiterated that borrowers in forbearance with a XXXX XXXX  or XXXX XXXX ( the Enterprises ) -backed mortgage are not required to repay their missed payments in one lump sum. 

Both of these links specifically mention the types of services that should be available to us and the rest of the citizenry. Please look into this at once, we would like some relief. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
OK SO I WAS XXXX  BACK IN XX/XX/XXXX TO BE EXACT. I WAS XXXX   WITH XXXX XXXX XXXX XXXX XXXX. TO MAKE THE STORY SHORT. GOT XXXXXXXX XXXX XXXX XXXX XXXX XXXX. BASICALLY SPENDING XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. ENDED UP BEING IN IN XXXX  FOR YRS STRAIGHT. MY EX-BOYFRIEND NOW BUT BOYFRIEND THEN WAS ABUSIVE, CONTROLLING, VIOLENT AND A THEFT. HE WOULD ALWAYS CARRY MY ID SS CARD AND YOU NAME IT. SO WHEN I CAME OUT OF XXXX. ON XX/XX/XXXX I TRIED TO FILE TAXES FOR THE XXXX TAX YEAR. WAS TOLD THEY HAD BEEN REJECTED BY THE IRS. LOOKED INTO IT AND SURE ENOUGH SOMEONE HAD FILED THEM UNDER MY INFO. SO I CONTACTED THEM AND THEY SAID THEY COULDN'T HELP ME BECAUSE THEY HAD NO PROOF THAT I WAS REALLY IN XXXX AT THE TIME OF TAX FILLING SEASON. SO I SAID OK WHATEVER. DID DO ANYTHING ELSE BUT THIS YR WHEN I TRIED FILLING THEM AND THEY WERE REJECTED. SINCE I USUALLY WOULD FILE AS SOON AS THE SEASON STARTED THIS HAD NOT HAPPENED BEFORE. BUT THIS YEAR I WAS LIKE HA I AM GON NA TRY AND FILE THEM MY SELF SO IT TOOK ME LONGER TO FILE THEM. CALLED IRS ALREADY SENT IN THE DOCS. THEY ASKED ME FOR. BUIT AFTER THAT I START TO REALLY DIG INTO ALL MY INFO AND FOUND BANK ACCOUNTS PREPAID CARDS AND OTHER ACCTS THAT I HAD NOT OPENED. PLEASE HELP ME RESOLE THIS ISSUES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 explanation