vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
THIS IS URGENT. VIOLATION OF MY RIGHTS. I, XXXX XXXX, am submitting this document myself and there is no third party involved. I have reported an unauthorized account to Equifax. They had then processed an investigation with the creditor XXXX XXXX. The creditor is saying that, what they are reporting is accurate. Equifax continues to report this closed account. Section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states items that are supposed to be excluded from my consumer report. It states that ANY transactions and/or experiences between the consumer and the person making the report is to be excluded from such consumer report, yet Equifax continues to willfully neglect this law bought under the FCRA by continuing to report this experience between I, and XXXX XXXX which is the person making report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital one is violating 15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. They are reporting late payments and they didnt have any procedures in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
In 2017, I moved with my husband and XXXX young children to the XXXX XXXX apartment, Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, we did a 12-month lease. Within 10 months of reading, the condo became infected with Mold, many of the apartments in the condo had to close due to the infection. Our apartment got mold infected as well. The condo 's maintenance department hired an agency to clean up the mold, they closed our apartment, for weeks, we had to go to our parents ' house. In the process, all of our furniture, clothing, and other items had to be thrown away due to the infection. Our children got sick from the infection. We require the condominium to close the contract, to rent elsewhere due to the high volume of infection. After 3 weeks, the condo informed us that due to the mold, we could leave without problems, because there were only 2 weeks until the expiration of the lease. and that it was not required by law to sign any document to complete a lease. We left the condominium, with many material losses, but, 2 years later, a debt for the value of {$5800.00} appeared on our credit report. We never received notification from the condo, any calls, or emails to tell us there was a problem. We contacted the condominium about this problem, they told us that all the staff had been fired and they had no information, that we should contact the management of the condominium. We contacted the central administration, and after 1 month, the general manager asked us if we had proof of the problem to solve it. We emailed him photos and videos of the mold, the apartment closed due to infection and after 2 months of waiting they cut communication and sold the debt to a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I entered into forbearance with Shellpoint mortgage. However, I paid {$10000.00} on that date. On XX/XX/XXXX shellpoint advised although I was in a continued forbearance I should make payments if possible. From XX/XX/XXXX to XX/XX/XXXX I made approximately {$32000.00} in payments. During which I constantly asked for my total balance due and owing to become current. I was always given a repayment fee that includes foreclosure fees. This fee made in impossible for me to become current. On XX/XX/XXXX I paid {$13000.00} and was enrolled in 6 month repayment period for rears. My request for what total fees went unanswered. In XX/XX/XXXX I was offered and accepted a lump sum repayment offer of {$5700.00} to be paid on of before XX/XX/XXXX. I again, as in my other 11 requests, for an itemized break down of what the {$5700.00} included. I was told audibly the fees were as follows {$3800.00} XXXX & XXXX {$370.00} late fees {$40.00} insufficient funds {$2300.00} foreclosure fees Be advised my account is not in foreclosure. On XX/XX/XXXX I received legal documents filled in my county court titled DISMISSAL from Shellpoints attorneys. The documents reports no injury or cost to any of the parties evolved. 

I reported this information to Shellpoint mortgage and again requesting an written itemized list of what the fees are. Shellpoint response was the the {$2300.00} foreclosure fee can be paid at the end of the loan. Shellpoint mortgage representative reports they would forward the aforementioned itemized document of rears. They have not as of this complaint letter. On XX/XX/XXXX I again contacted Shellpoint mortgages XXXX XXXX, and asked for a written itemized documentation of rears, she refused. However, she was able to provide the answers verbally on a taped and recorded line. At this point the original fee of {$2300.00} marked foreclosure fees, she explained they were divided into two fees. Those fee 's are as follows : {$930.00} legal fees {$1300.00} other fees When I asked what " other fee 's '' are defined as she could nit answer. I then reminded here of their attorneys legal documents reporting no cost incurred. 

I am convinced Shellpoint mortgage has willfully charged ambiguous fees to my account. As in foreclosure fee 's, legal fee 's, and other fee 's in an attempt to keep me in the rears. Having me in a vicous cycle of paying late fee 's, foreclosure fee 's and other fee 's that are not applicable. To date I have not been given written itemized accounting of my rears. 

I ask for a complete audit and itemized list of all fee 's explained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft. Upon review of my credit report I discovered inquiries that were not authorized or initiated by me. The inquiry that is fraudulent is : CITIBANK NA., BEST B on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have several accounts on my credit reports that continue to show inaccurate information and the companies have yet to rectify this situation even though they provided letters to me that state that they are reporting wrong info. They have failed to update the credit bureaus with the correct info and now my credit has been severely affected. I am attaching the letters sent to me by these companies as proof of their wrongful reporting.

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 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
My account was frozen with all of my funds in it. I reached out saying that I need the money to pay my bills and they have done nothing. They will not let me transfer the money out of my account and all of my money is inside it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc.
State: NJ

Complaint narrative:
i purchased a car from this " dealership '' in XX/XX/2021, the day i purchased the vehicle the check engine light came on, i alerted the dealer immediately and he assured me he would fix the problem. Over the next 3months i had to take the car back and forth to the dealership and each time he claimed the mechanic was fixing my car and it was never fixed. the car broke down on me in early XXXX, i got a ride to the dealership to talk to him about what happened and instead of having the car towed from my house he sent an employee to my home to put water in it and drive it back to the dealership. about 3 days later he called me and assured me the car was ready and fixed and he alleged he had taken my car to a XXXX dealership to be repaired, when i asked for an invoice or diagnostic paperwork from him he could not produce it. after driving the car get the back home it broke down again in a parking lot. XXXX ( the dealer ) finally had the car towed to him on around XX/XX/2021. he called me to state the engine was blown and had to be replaced. i have had no contact with the dealer or anyone from the company since, he has stopped answering all calls or text messages. he has been holding the vehicle since this incident. i have spoken with sever representatives from the finance company and have been advised he is avoiding any contact with them also and that the only recourse is to get the dealer to buy back the loan so my account can be closed. i am currently stuck with an open loan for a car that doesn't run and has not been in my possession for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft. Upon review of my credit report I discovered inquiries that were not authorized or initiated by me. The inquiry that is fraudulent is : CBNA on XX/XX/2021.

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 2021-12-27 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: Experian Information Solutions Inc.
State: NY

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 I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
First, I'd like to say that according to House Joint Resolution 92 of 1933, that all currency, such as federal reserve notes, are debt instruments and promises to pay and only gold and silver can pay debts according to the constitution. Next, National Credit Audit Corporation is a third-party debt collector and not a creditor. I don't have an agreement between myself and NCAC for any alleged debt yet, the third party violated 15 USC 1692c as the debt collector does not have any consent from me to have my information or to contact me. Also, NCAC violated 15 USC 1692f by selling my information to consumer reporting agencies despite not having an agreement between me and the third-party debt collector as well as abusive language stating I owe NCAC despite there being no money of value in the United States XXXX Do not disregard my rights and ignore the fact that I am exercising my rights as a federally protected consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
i was in a car accident in XXXX XXXX i had full coverage insurance and gap insurance on my vehicle so it was covered and the finance company was paid in full. this account is being reflected on my credit as a REPO instead of a paid off account. i am now unable to get another auto loan because of this. i have spoken to several reps from the company and they told me they could not provide me with verification of a credit dispute sent on my behalf and all they could give me was the payment history showing my car was paid off. i was also told i now have to go through the credit bureaus to get this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received notification that this law firm ( Pressler Felt & Wars Haw LLP ) somehow obtained a judgement against me ; without my consent ( proof of service ). I reached out to the Superior Court of NJ in reference to this judgment # ( XXXX, Case Number : ( XXXX  XXXX XXXX, docketed XXXX, I believe this is way past the ( statute of limitations ). Can this law firm be investigated to make sure they aren't illegally attempting to collecting on debts that past the statute of limitation? This debt is over 10 years old. More importantly I don't ever recall receiving proper notice ( proof of service ) for this so-called debt. Also, I have no idea who XXXX XXXX is. I spoke with an attorney who mentioned perhaps filing a motion to vacate, since there is not proof of service. We want to make sure the law was properly followed in order to obtain this judgement. I know that ( proof of service ) is required with the court. I have also reached out to the court to see if they have my signature on file for proof of service of this ( so called debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
I tried to gain access to my cash app account but it's associated with my old phone number. I tried to verify my identity but they refused to allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
An account was opened fraudulently in my name, using my personal information. I was traveling when the account was opened and used the same day, despite receiving another letter in the mail stating that due to my credit, they could not offer me the card. It appears as though the person was somehow able to nearly max out the card the same day that they applied for it. The amount is comprised of two purchases made online for {$2100.00} and {$900.00}. Neither of these purchases were made by me. 

I was made aware of this new card from my XXXX XXXX alerts I have set up. As soon as I was made aware of this fraudulent activity, I placed a fraud alert on my credit report for all agencies and froze my credit for all agencies. I also reached out to the credit card company that issued the card to make them aware that this card was opened fraudulently and have submitted a fraud report in writing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
Hi, I have an account with chime that has been closed. I owe a balance of about {$47.00} and they give me no way to pay this amount. They assure me that this debt does not have to be paid and will not affect me in anyway. I dont believe this is accurate and makes no sense that a debt you owe a company wont affect you in say, going on your credit report or being in XXXX system where other banks can see it. They refuse to give it to me in writing stating that I dont have to pay them. This whole situation doesnt make any sense. I just want to pay what I owe!

Company response to consumer: Closed with explanation