vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was not able to make a payment on my Quicksilver Capital One credit card due date on XX/XX/21. So I called them up and told them that I can only pay them in two days. I asked them if they can put a note on my account and if I can avoid the hefty XXXX dollar fee. I made the payment as promised. Today I checked my account and saw that they still charged me the fee. 

I called them up to complain and the rep ( XXXX ) said there was no way for her to remove it because the system is not letting her. I asked to speak to a supervisor. I spoke to XXXX and she said the same thing. It's outrageous. First of the amount of XXXX dollars is outrageous but also that they blame their system for not being able to credit me back. Capital One is clearly NOT a consumer friendly bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
I've sent numerous letters to the credit bureau with affidavits and they have not removed the incorrect items from my credit report. I specifically asked WHO is the person that is verifying as accurate and I have yet to receive a reply. I would like to escalate the problem but can not receive the proper information. This is a violation of my rights as they have not responded and has been longer than 30 days as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NY

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown findings on my credit report. 30 days have elapse since sending my letters to the Bureaus and to my surprise I still have not received an update on status of investigation. Although I am not an expert on the subject matter, I do know that Section 611 ( a ) of the FCRA states that failure to investigate these items within 30 days gives reason for immediate removal of disputed items. I am now DEMANDING these accounts be removed and the Bureaus be held to their fiduciary duty. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong individual. 



Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
An account was opend on XXXX with XXXX XXXX which I did not open. 

All inquires made by XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was not made by me ( 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 2021-05-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company JPMCB CARD account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I lost my job in XX/XX/XXXX due to Covid. My husband and I contacted Amerihome Mortgage to advise that we were unable to make payments on time but we were continuing to make payments in full on our mortgage. The only relief that was presented was a forbearance. We decided in XXXX to apply for the forbearance. Our account at that point was up to date. We were advised that the full late amount would be due at the end of XX/XX/XXXX. We decided to sell our home and paid in full for the debt secured by Amerihome prior to the due date. We noticed 90 days after delinquent payments and open account were still showing on our credit report. We contacted Amerihome on numerous occasions, emailed, and faxed our documents to their credit and satisfaction department with no help. To date, our credit report still show open and delinquent payments from XX/XX/XXXX-XX/XX/XXXXWe were on time on the mortgage payment in XX/XX/XXXX and the previous payments were made late but notified to our lender ( Amerihome ) prior to due to Covid ( loss of my job ). We are currently trying to purchase a new home and this is greatly affecting our credit and preapproval for a new home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX CARD account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04 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: AmeriCollect
State: PA

Complaint narrative:
I am unaware of this bill including the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Of The Main Line for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until this 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. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. AmeriCollect keeps reporting to XXXX which is illegal without show validated proof and authorization that I even signed off on this account. This 3rd party Debt Collector has been a hassle. I want this account deleted immediately. The balance is {$230.00} which does not belong to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: LEXISNEXIS
State: WA

Complaint narrative:
I was denied auto insurance through XXXX and was sent a letter dated XX/XX/2021 stating that I was denied due to information obtained from LexisNexis Risk Solutions. On Tuesday XX/XX/2021 at XXXX XXXX PDT I attempted to contact LexisNexis by phone to obtain the information/reports that caused my denial for insurance coverage. After a series of automated messages I am given the option to press 7 to speak with a live representative. I press 7 and I am told that representatives are available Monday through Friday from XXXX to XXXX Eastern time, and it then says that I am also able to obtain information by going to XXXX and then the phone disconnects. As I am calling on a Tuesday at XXXX XXXX PDT ( XXXX XXXX EDT ) I should be able to contact a live representative to obtain my report without getting immediately disconnected. I also attempted to visit the provided website and selected " I received an adverse action letter '' where it then provides the following information and directs to call the number I provided earlier : " If you received an Adverse Action Letter An adverse action letter is sent when a carrier has not given a consumer the best rate for insurance or taken any of the following actions : Denied you insurance Increased your rates Limited your coverage Cancelled your policy If your insurance company has sent you an adverse action letter, please contact the LexisNexis Consumer Center at XXXX to request the information related to the adverse action. Please be ready to provide your first and last name, Social Security Number, drivers license number and state in which it was issued, date of birth, current home address and phone number. If your insurance carrier provided a reference number on the adverse action letter you received, please be ready to provide it, as well. This will help expedite the process. '' This is extremely frustrating and it feels like I am directed in circles to obtain the information on why I was denied coverage. I have also been the victim of identity theft so I am concerned that there may be possible fraudulent activity/information contained within my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX, I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: WI

Complaint narrative:
I received a debit card from Chase and a letter saying it was attached to a checking account, and that I should activate the card. I do not have a Chase checking account. I called the number on the card to ask them to close that account. She said I was a victim of fraud and that I should get a credit report to be sure there aren't more accounts open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 I opened secured credit card in Capital Ona bank. I put {$200.00} security deposit as a transfer from my XXXX XXXX deposit account. It was accepted by Capital One. On XX/XX/XXXX, I received credit card. I followed instructions to activate it online, but activation failed. I called customer service and they told me they need to verify my ID. I have SSN, valid US EAD and valid XXXX passport but none of these documents were recognized by Capital One. They said they need driver license or state ID. I do not have these types of ID and asked to close my account and return {$200.00} security deposit back. They said it will be returned in a term of 2 billing cycles. My money were never returned to me. No update was provide ether. 
Today, XX/XX/XXXX, I called Capital One and they said they can not return my money because my account is locked and they need to verify my ID. I provided photos of front and back of my valid EAD but they refused to recognize it again. They refused to return my money back. I tried to escalate but was a dead end. They said they use barcode reader and it doesnt read EAD barcodes .... This doesnt sound like valid legal argument. Basically they refuse to recognize government issued ID. Please help me to get my money back. 

My customer number : XXXX XXXX XXXX Capital One case number : XXXX XXXX Employee ID I spoken to : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
Received a letter from Amerifinancial Solutions advising of collection amount in {$630.00} and not verifying the debt was owed by me.

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 2021-05-04 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company SYNCB/PPC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
They said they contacted the mortgage company and gave them only the relevant information my complaint. and the company said they would update as necessary. I have not seen anything in writing with my name on it between myself and this company. no inquirers nothing. all I asked them to do is show me something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Seterus sent my mortgage portfolio to mr. cooper management. Seterus sent the mortgage portfolio minus the escrow account funds to mr cooper. Then went out of business for bad practice. Mr cooper could not retrieve the escrow account money due to seterus being out of business. Mr cooper decided to get the money from me. Meaning I paid seterus in full and mr cooper in full. Contacted mr cooper explained there was no shortage on my end, but they did not care and continued to charge extra from the escrow account for one year. At the end of the year XX/XX/2020 now having collected XXXX dollars. Mr cooper collected XXXX extra in escrow account payments and traded me to XXXX in XXXX. XXXX continued to charge double in escrow payments. I brought it to there attention that I was overpaying after 4 months of talking with XXXX they sent me a check for a XXXX dollars in overpayment to my escrow account. The XXXX had charged me XXXX lowering my payment back to the original amount. What I'm after is the overpayment in XXXX dollars from mr cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
In XX/XX/XXXX, I received notice from my town of unpaid property tax from XXXX. I then contacted Freedom Mortgage about the issue, and they assured me that my property tax had been disbursed from my escrow on XXXX. In XXXX of XXXX, I then received another delinquency notice from my town, advising that my XXXX taxes were still unpaid in the amount of {$150.00}, and now with a late fee of {$56.00}. The notice advised me that if my taxes remained unpaid, additional fees would be assessed, and eventually my home would then be seized for sherriffs sale. I continued weekly dialog with Freedom Morgage, who said they would investigate. As of XXXX, my town property tax was still unpaid, at which time I paid the full {$210.00} ( {$160.00} in taxes+interest and {$56.00} in fees ) by writing a personal check to my town hall. Since then, I have continually been in communication with Freedom Mortgage demanding a refund of the out of pocket costs that I had to pay, a total of {$210.00}. They refuse to reimburse me, and continually tell me " the issue is still being investigated ''. I have submitted proof of my payment to them, and they still refuse to resolve my complaint. This has been ongoing for over 12 weeks, and there is no reason why they can not reimburse my expenses.

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 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-05-04 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: CL Holdings LLC
State: GA

Complaint narrative:
I have contacted Jefferson Capital Systems many times. The account is completely incorrect. Account is listed as open when it should be closed. Incorrect dollar amount. Company refuses to send any documents of proof to me. XXXX customer service reps who refuse to be of any real help. The 3 credit agencies claim they have investigated, but everything remains the same on my credit report. Please help my get this account removed asap. Thanks.

Company response to consumer: Closed with explanation