vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Can not unfreeze equifax credit report to refinance home. Website says to call, call and can't reach a live person, automated system asks questions about things that I don't have so it says to fax in proof of identity. No response from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: MD

Complaint narrative:
I have been working to improve my credit since XXXX in order to qualify for a VA home loan. I have attempted several times to have the credit reporting companies to update two specific accounts, of the three major agencies, only XXXX XXXX has been keeping up to date. Experian and XXXX  are both lagging. Experian has even denied a dispute despite having records of payment in full. I have been working with a lender and realtor who are helping me improve my score and as of XX/XX/XXXX, I have decided to start the process of buying a house. Nobody can do anything until these scores are updated. I was instructed to settle these specific accounts, as doing so, will boost me over the minimum qualifications for several loan originators. It takes mere hours for a negative report to show, but it can take over a month or more to show an improvement which is unacceptable.

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 2021-04-08 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: SC

Complaint narrative:
I sent the information required by the credit bureau to remove inaccurate information on XXXX, 2021 and they have not removed or even responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/2021 I made a transfer in American dollars from my account at XXXX Merryll Lynch to my account in XXXX. However, this transfer was not made and the money was not deposited in my account in XXXX. I was instructed after 20 days to resend the money. There was a charge of USDXXXX plus a fee of USDXXXX which I do not agree with. The responsibility for the error was not mine. The transfer was redone, but I was still unable to receive the money in XXXX. I have been waiting for 60 days to solve this problem.

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 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XX/XX/2021 I called GLA collections about a {$320.00} debt I had the lady told me it was deleted when she realized that she had lied to me and it was still on my credit asked to speak to a supervisor and she had hung up very quickly on me turn around and I called and left a message on XX/XX/2021 I never received a call backI called XX/XX/2021 and spoke to a supervisor he was very rude said there was no documentation of the phone call I told him that the lady must have altered it to cover her own XXXX and he said maybe then when I called him on saying that he tried to re-cant the statement and say he never said that.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
During the COVID crises I put several deferments on obligations such as student loans, car loans and credit card debt that subsequently showed up as delinquent on my credit report, thus exacerbating my ability to seek and secure employment. I would like to use get help from the CFPB to assist me with getting the most accurate and updated reflection of my financial history presented. Like many of us, I've faced some challenges due to COVID and would like to have a fair shot with presenting my employment profile.

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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
It came to my attention that my mortgage loan servicer ( BSI Financial Services ) failed to pay the real estate taxes when they were due at the end of 2020. I received a notice from my local tax authority ( on XX/XX/XXXX or XXXX ) informing me of the delinquency, at which point I immediately called and reported the issue to BSI Financial Services. They looked at the records and confirmed that the money for real estate taxes was never disbursed from the escrow account. They claimed they would resolve the issue. I have called BSI Financial Services every week to check on the progress, but after nearly a month of informing BSI Financial Services of the issue, they have failed to pay the overdue real estate taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter requesting an investigation about questionable accounts on my credit report. I received investigation results saying that the account was accurate so I decided to follow up with the creditor. The creditor sent me a letter saying that they could not locate the account. I then mailed your company back and forwarded this information to you asking for a deletion because they couldn't have verified it if the creditor can't locate the account. However, it has been almost 4 months and this account still remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reported to the credit bureaus that information on my credit report was wrong and full of fraud but they have yet to correct this information or update it. Its been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been working to improve my credit since XXXX in order to qualify for a VA home loan. I have attempted several times to have the credit reporting companies to update two specific accounts, of the three major agencies, only XXXX XXXX has been keeping up to date. XXXX  and Equifax are both lagging. XXXX  has even denied a dispute despite having records of payment in full. I have been working with a lender and realtor who are helping me improve my score and as of XX/XX/XXXX, I have decided to start the process of buying a house. Nobody can do anything until these scores are updated. I was instructed to settle these specific accounts, as doing so, will boost me over the minimum qualifications for several loan originators. It takes mere hours for a negative report to show, but it can take over a month or more to show an improvement which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
NewRez mortgage company has used predatory language and tactics seemingly in an effort to intimidate us and force late payment charges on us. 

On XXXX we contacted NewRez customer service to make the XX/XX/XXXX payment in XX/XX/XXXX. The representative, XXXX informed that he would need to turn off our automatic payment for a few days in order to make the payment early. He said that he would turn automatic payment back on in 4 ( four ) days. 
On XX/XX/XXXX we received an email from NewRez stating that we had missed two payments. That same day we logged on and made the payments. We called customer service and were told by XXXX that because earlier in the year we had responded to multiple NewRez emails regarding 'lowering our interest rate, ' the rep we spoke to, stopped our auto payment. We were told that was because we used the term, " Loan Modification ''. 
Later in XXXX, after we had made our loan current, we received a letter threatening foreclosure. We called ( XXXX ) and the rep was hostile, threatening to collect the debt and foreclose. She informed us that we would be reported to the credit bureaus and our credit would be damaged. It was frustrating, unnecessary and demeaning. We explained what we had been told by XXXX and then were told that a XXXX would get with us within 48 hours. No one called. We called back and the service rep was hostile again, reminding us that we owed a debt and they were collectors of debt! I asked for a XXXX. The XXXXXXXX said they would review the previous calls and I would have to call them back. They have made no effort to help. He also told me that our auto pay was still off even though we had logged in and turned in back on. We called again XX/XX/XXXX and spoke with a supervisor. The supervisor said that they were updating the report to the credit bureau. He also said that our auto payment showed to be 'on ' and working. 
Today, XXXX our payment should have auto paid. We checked and it did not. We called customer service. We were told that they could see that the auto payment was set to on but did not work today. We were also informed of 'past due ' penalties that have been charged for late payments. The late payments happened because NEWREZ is inept or their system does not work or worst of all, they are predatory.

This has been a horrible experience. NewRez has messed up our auto payment system, has treated us like criminals, and now they are charging us late charges. We always pay our mortgage payments. There was no advantage to us to skip or delay a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a balance of {$15000.00} with Barclays Bank Delaware. This debt was transferred over to XXXX XXXX XXXX in XX/XX/XXXX. I made an agreement with them to settle the total balance for less. The settlement amount was for {$4600.00} in 3 installments of {$1500.00} as follows : due dates : XX/XX/XXXX {$1500.00}, XX/XX/XXXX {$1500.00}, XX/XX/XXXX $ XXXX these were to be AUTOMATICALLY deducted from the bank info I provided them. 
See attached agreement letter and first payment deducted from my bank. 
They deducted the first installment. Mid agreement they sent this debt back to Barclays Bank Delaware. For some unknown reason they refused to deduct the other 2 payments. I contacted Capital and they stated the account was no longer with them and I have to contact Barclays, when I contacted Barclays they gave me the runaround and told me the account was with XXXX XXXX. I had no other choice but to mail Barclays the 2 payments, with a letter of explanation ( see attached ) that they did not deduct, in the hopes that they will accept it. They ended up taking those 2 payments which should've then satisfied the balance as per agreement with XXXX XXXX, yet they still claimed I had an open balance minus the difference of the 3 payments made.

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 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Last year I was furloughed from my job due to the XXXX pandemic. 

I was called back but it was only part-time until XXXX of last year. 

I was also affected by the XXXX storm that hit Texas ( I lost time from work because the business was closed ). 
I am behind on some of my bills, but I have tried to make a payment once a month. Last month I made a payment on my account on XXXX, and on XX/XX/24 I received a call from the business at XXXX calling me about my account, telling me they need another payment even though I had made on jus 5 days earlier.

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 2021-04-08 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. And as a result, false and inaccurate information was posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
Discovered this account on my credit report. I have never done business with this company or the company they are allegedly collecting for. I never received any type of communication from them. This account just popped up on my credit report. I sent a debt validation letter. I never received a response to my letter. It has been well over 60 days. How am I supposed to rectify the account if I don't know what it is? I want this account removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In response to CFPB complaint XXXX XXXX XXXX XXXX XXXX a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from Capital One N.A. A direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). Because XXXX XXXX XXXX does not believe that a consumer can be aware of their rights under federal law they have assumed and falsely claimed attorney retention. At this time I am acting pro se and have enacted my right to refuse to pay this debt buyer. XXXX XXXX XXXX XXXX has been contacted by certified mail ( 3 ) times the last being XX/XX/2021 and have not once provided the information proving I am contracted to pay them an alleged debt of {$1600.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX XXXX XXXX has complied with none of this statute. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with Capital One Bank. Capital One Bank illegally gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Capital One Bank N.A was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer, a natural person not a corporation. XXXX continues to knowingly and willfully violate my rights as a federally protected consumer. Once again XXXX XXXX XXXX debt claims are refuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
I mailed a letter requesting an investigation about questionable accounts on my credit report. I received investigation results saying that the account was accurate so I decided to follow up with the creditor. The creditor sent me a letter saying that they could not locate the account. I then mailed your company back and forwarded this information to you asking for a deletion because they couldn't have verified it if the creditor can't locate the account. However, it has been almost 4 months and this account still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened a checking account with HSBC in XXXX of XXXX. The bank disclosed a {$50.00} maintenance Fee if the monthly deposits didn't meet a certain minimum. At the time, I was unconcerned since under normal circumstances my monthly and daily balances would exceed the minimum requirements. 
The COVID hit and my deposits ground to a halt. 
On my statement ending XX/XX/XXXX, I noticed a {$50.00} fee for maintenance. I called customer service on XX/XX/XXXX and was advised this in acknowledgement of difficulties due to COVID, the fee would be refunded and that no additional maintenance would be charged to my account until XX/XX/XXXX. 
On XX/XX/XXXX the fee was indeed reversed, but on XX/XX/XXXX another fee was assessed ( contrary to what I was told on XX/XX/XXXX ) This fee put my account negative by {$2.00}. 
Then on XXXX another fee was assessed resulting in a negative balance of {$52.00}. 
Then on XX/XX/XXXX, they simply and abruptly closed my account and sent it off to collections. 
On XX/XX/XXXX I called them and explained this issue and was told to expect a refund check for {$47.00}. 
A month passed and i didn't receive a check so i called again on XX/XX/XXXX and was told a manager would call me back, but no one ever called. 
I followed up with 2 subsequent calls on XX/XX/XXXX and XX/XX/XXXX respectively and each time I was told that a manager would call me, but still no one called. 
In the interim, they still have my account in the recover ( collection ) department. 
I sent a final letter in XXXX and again was ignored. 
This is despicable behavior under normal circumstances,, but for a worldwide institution to do this to someone like myself in the middle of a pandemic is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio is reporting on my credit as though there is a balance. This was settled through a debt settlement company and there is no money owed. This was actually resolved in XXXX of last year. The difference of what Portfolio is reporting is the difference from the original amount and the settlement. I have attached proof that everything was settled through the company. Portfolio needs to honor the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The said account had been settled and is now closed. This item should be verified and removed/deleted from the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation