vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 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:
Consumer Financial Protection Agency : On XX/XX/XXXX, I discovered a discrepancy on my Equifax and XXXX  credit reports that indicated several delinquent activities during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was associated with a XXXX XXXX  ( Card Number XXXX ) account that I was listed as an authorized user on. I never consented to or authorized myself to be listed as a user, nor did I utilize this individual account during this time. The account was opened in XX/XX/XXXX ( when I would have been three years old ) by my parents, XXXX and XXXX XXXX. At some point, they added me as an authorized user without my consent or approval. I have had similar experiences in the past where I was able to dispute such items and have them removed from my credit report. I can assure that XXXX does not have my signature on record indicating my consent. 

On XX/XX/XXXX, I filed a dispute with both EquiFax, XXXX  and XXXX. On XX/XX/XXXX, XXXX informed me via letter that they are unable to update the credit report as an " authorized user must be removed from the account first ''. They then directed me to contact the Customer Service phone number on the back of the card ; however, the card or account has since been closed as of XXXX. 

On XX/XX/XXXX, I received notice from EquiFax that they conducted an investigation and deemed that these items belong to me. Again, I dispute this as I never provided approval, nor was ever asked, to be added as a user on this account. How can they deem that I should be responsible for these delinquent activities when they can not furnish the proof that I authorized to be on the account in the first place? 

I request that this be investigated so that the XXXX XXXX  ( XXXX ) account is removed entirely from my credit report or that these delinquent activities are removed. 

I appreciate your consideration of my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
We refinanced our home with XXXX XXXX in 2020 and it was sold to AmeriHome Mortgage. We set up our monthly mortgage draft so that we would pay the specified amount to escrow each month with our mortgage payment. AmeriHome was supposed to be taking money out of escrow and paying our home insurance with it. They were taking money out of escrow but it was not being put towards our insurance. Last week, our septic broke and flooded gallons upon gallons of septic water back into our home. I contacted our insurance company to file a claim and found out that AmeriHome had not been paying our insurance company out of our escrow, so they canceled our policy and we were not covered for the damage. It took days to get a response from Amerihome and once we were able to we were told that they were " working diligently '' on a solution. Meanwhile, our family of four with small children including a baby sat in a category three disaster home. Disaster Relief couldn't start removing the toxic waste from our home because they didn't have anyone to send the bill to. They came to our home this morning to access the damage but could not start the process of removing the damage because they do not have an insurance company to bill. We are going on a week with no solution, and have been unable to contact XXXX XXXX, who is supposedly handling the issue at AmeriHome Mortgage. We are desperate for a solution but can not get the help we need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 I sent out disputes to the bureaus pertaining to several accounts and 2 specific accounts that are just being updated but no changes. The bureaus are just updating the account as investigated but not providing any documentation pertaining to their investigation or providing their method of verification. XXXX XXXX and XXXX XXXX  show different last active dates and XXXX XXXX  have been re-aged by 5 years so if your are verifying these accounts then how in the heck are you and clear violation of the FCRA with all these inaccuracies and errors and not removing these accounts from my credit profile. Please remove these erroneous accounts from my credit profile immediately! Attached are the disputes and proof of my identity for authorization to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: DISCOVER BANK
State: VA

Complaint narrative:
This account has been paid in full and not in a derogatory status. XXXX  Has not made an update to the account since XXXX. XXXX  has not updated this account since XXXX. XXXX has not made an update on this account since XXXX. All Of the credit reporting agencies are reporting different last payment dates for this account. As well as the date that this account was opened is reporting differently on all three credit reports. All Three credit reporting agencies all have different Information that does not accurately report this account. XXXX  Is reporting that this account was 120 Days past Due where the other two credit reporting agencies are reporting that the account was never late and is Current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed
State: TX

Complaint narrative:
Problems started from the very beginning with trellis. They gave me the option to consolidate and add a ton of interest or threatened to mess up my credit and keep me in default and take my money from my work. They even locked me out of my account so I couldnt pay. They didnt let me in until I threatened to get a lawyer. I was not about being forced into adding $ XXXX to my loans so they took the money from my checks. They will not let you pick how its applied so they put the money towards the low I retest loans first leaving the high interest. I have finally gotten to below {$1400.00} and they stopped cashing the checks and threatened to give my money back. Because they Have been charging illegal interest against covid rules and still taking my money. I wrote them and called them. Then emailed what they told me to. I emailed them to keep the money and apply the illegal interest towards the loan. Instead they have now sent me a refund and put all my balances back to $ XXXX on the higher interest loans. I know they did this so they can do collection and interest again. These people should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: NJ

Complaint narrative:
This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. According to Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. Since it has been 50 days they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am demanding removal of this collection from Jefferson Capital Systems. My debt is not with them. I do not owe them the {$820.00} that is reflected on my credit report and it is deeply impacting my credit score. Jefferson Capital Systems claims that the debit is from XXXX XXXX, but can not show proof that I owe them this debt or that I have ever had any contractual obligations to them. I have requested validation of this debt but have received no response from Jefferson Capital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal took money out if my checking account without authorization. I chose PayPal credit as my funding source for a transaction, they informed me immediately that it was approved ; however, 2 days later the money was removed from my checking account without authorization. 
In the past, I have been informed that PayPal credit isn't available and to chose a 2nd funding source, in this case, PayPal took it upon themselves to remove the money from my bank, unauthorized and they refuse to correct the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
( 1 ) XX/XX/XXXX, I refinanced my mortgage with Nationstar Mortgage LLC d/b/a Mr. Cooper in an effort to decrease my interest rate. 
( 2 ) From XXXX to XX/XX/XXXX I continued to make monthly payments ( {$2000.00} ) on time. 
( 3 ) In XXXX I became aware that one of my payments was not applied to my mortgage balance resulting in a higher than expected balance and fees. However, my bank verified that all checks sent to Mr. Cooper were processed and deducted from my bank account. 
( 4 ) I immediately reported this discrepancy to Mr. Coopper and requested that they investigate the issue. At first, Mr. Cooper indicated they had technical issues with processing ACH payments but that this will be resolved shortly. This did not occur. I followed up with Mr. Cooper weekly, by email and/or telephone but they were unable to locate the source of the discrepancy until XX/XX/XXXX. 
( 5 ) On XX/XX/XXXX, after months of calling, Mr. Cooper verified that my checks were being applied to my previous loan number, which closed as a result of the refinance. Although they received and processed my XXXX mortgage payment, they issued a refund check by mail. After further diligence, I uncovered that I did receive a check from Mr. Cooper however because that check was not marked I presumed this may have been an overage from our Escrow account or refinance closing payment. Subsequently, I re-paid the XXXX mortgage payment. 
( 6 ) During the time while Mr. Cooper was investigating the issue, they purposefully applied my current mortgage payments to the previous month and deceptively applied a late fee to the current payment. For instance, our timely XXXX payment was applied to XXXX, our timely XXXX payment was applied to XXXX, our timely XXXX payment was applied XXXX, and our timely XXXX payment was applied to XXXX. In all these instances we were assessed late fees each month and Mr. Cooper reported a derogatory remark to the credit bureaus ; resulting in a substantial decline in our credit rating. 
( 7 ) We asked Mr. Cooper to remove the late fees of {$79.00} and derogatory remark, especially given the delay in resolving the issue around the missing XXXX payment was due to their inability to research and resolve the issue. We were told this was not something they can do. 
( 8 ) This practice of applying current payments to the previous month and then assessing a late fee to the current month is unfair. It is especially unfair when the delay in resolving the underlying issue is the fault of the lender. Mr. Cooper took 3 months to verify that although they did receive and processed our XXXX payment they issued us a check which arrived without any notice that it was a refund of our XXXX payment. The 3 month late fees assessed is purely Mr. Coopers fault and as such we demand that these fees be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone used our ATM debit card information and processed following fraudulent activities. 

XX/XX/2021 {$74.00} at XXXX XXXX XXXX in XXXX, MI XX/XX/2021 {$1.00} at Vending XXXX XXXX in XXXX, NY XX/XX/2021 {$2.00} at XXXX XXXX in XXXX, MI We live in XXXX XXXX and have never visited these cities. 
We do not have any friends or family members who we live in the states. 
We have never authorized anyone to use our ATM card information. 

We called Bank of America Fraud Customer Service and reported the fraudulent activities. The rep advised that my wife 's ATM debit card information was used. 

Bank of America was not our primary bank and we had rarely used the ATM cards. 
We noticed that my wife ATM card had been expired a few months earlier and had received a new ATM card, however, the card was still in the envelope and we had not even activated the card prior to the fraudulent activities. 

Bank of America gave us temporary credits for these fraudulent debits. 
However, Bank of America informed us that they had determined conveniently that " the charge was authorized by you or someone who has permission to use the card and account. '' They are reversing the temporary credits as they determined that our claim was false. 

We were stunned by their reasoning and the decision. 
We appealed twice, however, Bank of America is demanding support documents for our claim if we want to pursue further, but these were fraudulent activities which we were simply the victims of Bank 's inadequate security system. 

Again, we have never visited there, do not have anyone who live there, and have never authorized to use our ATM card information. 
The fact was that someone stole our ATM debit card information and committed fraudulent activities. 

We strongly believe that the bank does not have adequate security check system to preventing from hackers and protect their customers. 
The bank also has improper practice to just deny claims without sufficient research. 
This is highly dishonest business practice and very irresponsible. 

We were probably not only ones as victims of Bank of America 's dishonest business practice. We are deeply stressed out as we had become victims twice, first by the fraudulent charges, and then by the bank. 

Bank of America was a defendant of recent class action law suit, which a federal judge ordered the bank to stop auto-denying California EDD fraud claims. 

Bank of America failed to prevent fraud and denied claims when the fraudsters attacked.

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 2021-07-06 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: MS

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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:
Regarding Account # XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, I settled with XXXX XXXX XXXX regarding the XXXX  XXXX XXXX XXXX  Account for {$150.00}. The account is paid in full and is closed. The charge off for XXXX  XXXX XXXX XXXX was not updated when I reviewed my Equifax and XXXX  Credit Report in XXXX of XXXX. XXXX  was the only credit bureau that removed the account in its entirety. 

I contacted Equifax and XXXX  on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. XXXX  sent me an alert XX/XX/XXXX innforming me that XXXX XXXX has sent information stating that the account is a chargeoff and it will not be updated. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. 

I spoke with a representative on XX/XX/XXXX from XXXX  and they stated that they are unable to update the chargeoff as Paid. l have attached the XXXX XXXX Letter for payment, Settlement Letter from XXXX XXXX XXXX, and a Receipt to USPS for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX I discovered that my PayPal account had been charged for a cloud camera subscription I never signed up for. I had used the service under a one time charge in the past and there was no disclosure from the company that this was an annual subscription. 

PayPal gave access to the subscription signup to the company without my knowledge or consent. I filed a claim with PayPal and they denied it saying it was an authorized charge. The company actually agreed to refund money but never did. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Center Inc
State: CO

Complaint narrative:
I have a medical debt on my credit report for a service i never received. I went to emergency room but was looked at and let go after 15 minutes and now i have a collection company selling it to a law firm saying that i am in default of the visit. Please assist in helping me to get them to stop attempting to collect a debt that is not owed as i never received any service.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-06 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: UPGRADE, INC.
State: WY

Complaint narrative:
UPGRADE INC I have paid this account off and it was never late or missed a payment ; I called upgrade and they sent me a letter stating that I never missed a payment and was never late, XXXX  and XXXX  are reporting fraudulently that a missed/late payment happen XXXX of 2020. I have sent XXXX  and XXXX  this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.

Company response to consumer: Closed with explanation