vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: CA

Complaint narrative:
On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the Equifax data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA Violation XXXX WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX  XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX experian? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX experian? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX experian? XXXX XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately experian? <<<<<<<<

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Finance System of Richmond, Inc.
State: CA

Complaint narrative:
Finance Systems of Richmond is still reporting a collection account and balance on my credit reports even though they agreed to remove it fully from my reports for a settlement in the amount of {$240.00} which was 50 % of they amount they claimed I owed. I dispute that I even owed the debt, but was advised to offer a settlement in return for the deletion of the collection from my reports as the quickest way to resolve the issue.

Finance Systems of Richmond has cashed the settlement check, but not honored their agreement to remove the account fully from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a bank card from Citi Bank. I called they said a bank account was opened on my name online with my ss #. I never did This

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: CORELOGIC INC
State: NJ

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, CREDCO add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery Associates, LLC has filed a court case, without any prior written or verbal notice for a charged off credit card debt with XXXX XXXX. Not only is the debt amount completely inaccurate, they spoke with third parties upon trying to serve papers to my residence, including my neighbor. 

I was not provided any documentation prior to court filing, and had a dispute with the credit card company prior to any action being taken. This was a disputed account with fraud on it that the credit card company refused to take in to account. 

They have filed a court case without any written notice that they were attempting to collect a debt, and have a debt that is already in dispute, and that ultimately the credit card company charged off because of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: CA

Complaint narrative:
XXXX XXXX false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call XXXX XXXX and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting XXXX XXXX we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that XXXX XXXX sold our loan to XXXX XXXX. This was around XXXX/XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to Experian in XXXX. How can you have a late payment that month? I was not even able to pay XXXX XXXX anymore, my payment were to go to XXXX XXXX. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: MIDFIRST BANK
State: CA

Complaint narrative:
XXXX XXXX false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call XXXX XXXX and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting XXXX XXXX we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that XXXX XXXX sold our loan to midland mortgage. This was around XXXX/XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to Experian in XXXX. How can you have a late payment that month? I was not even able to pay XXXX XXXX anymore, my payment were to go to Midland Mortgage. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: OK

Complaint narrative:
on XXXX I deposited a check into my business account. No hold was placed for this deposit. Later same day deposited another check into another business account, from same check account and was told hold would be placed. Later that day was told a hold would also be placed on original check deposit of {$1500.00} because bank said had information check would return form issuing bank. This was after deposit made several hours before with no hold. I then provided proof of funds to bank manager XXXX XXXX. He said would release funds on XXXX.On XXXX check still on hold. I then provided copy of front and back of check showing it cleared my account on bank letter head from issuing bank. XXXX XXXX from Bank of the West Said would not release hold. On XXXX sent proof funds and copy again of check on Bank letter head showing it cleared, no reply. On XXXX called Bank manager XXXX XXXX, said he could not release because back office had inside information about my account???. He also said proof funds and cleared check would not work. I then put him on three way call with issuing bank and they verified funds cleared on XXXX. Mr. XXXX then told issuing bank must send letter on their letterhead providing statement funds cleared. Issuing bank also told XXXX XXXX Manager of Bank of the West that TFCU does not verify checks via phone and does no know How Bank of the West got their information. So after four business days and three verifications on bank letter head proofs of funds where good and conference call. Bank released funds and and charged me retuned check fees and caused my tax payments to bounce knowing my funds where good from the very start. I feel I was charged fees when bank is at fault and valid verifications of funds where provided .I also feel i was discriminated against on personal level. I had to go beyond standard banking practice to provide proof of funds to get a check hold released. Bank of The West put my business at risk by not being able to make tax payments. They further had more than enough documentation x 3 showing funds are good and cleared. This is not the first time the have done this to me. It not standard bank practice to provide three separate verifications on bank letter head for proof of funds and payment.Not counting all the time, stress energy to be put into this

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 2020-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: AZ

Complaint narrative:
I contacted HP SEARS requesting debt validation. They sent over only a bill with late fees and charges that say retail product unknown and different fee amounts. They also violated hippa which a complaint was already filed. Im requesting this to be removed from my credit due to company not being able to provide actual proof these procedures were done to me and can only sent a breakdown with nothing showing services actually completed. Thank you so much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
Coinbase. I had XRP cryptocurrency in Coinbase Vault. When I try to transfer funds to the wallet so I could trade/sell it will not let me. I am able to click approval links in both my primary and secondary emails but only the primary email link registers. The secondary email link just glitches and says I have already performed this action yet on the vault details page it says the approval is pending. It has been 4 days with numerous attempts with no real reply whatsoever. They initially sent me an email to verify my ID ; which I did ; but since then have heard absolutely nothing. I need access to my money and they are obstructing access to my personal property. This is absolutely unacceptable to withhold customers money without even contacting us with any situation report. I am beyond upset about this and something needs to be done about Coinbase. Apparently they were having this issue 3 years ago and still to this day have not fixed it. This is either extreme laziness and contempt for their customers or its criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC

Complaint narrative:
On XX/XX/XXXX, I sent an email to my point of contact Mr. XXXX XXXX at XXXX, in order to request a refund of {$7800.00} USD that I was told by XXXX XXXX XXXX which is the company that initially processed the loan. 

I have tried to communicate with Shellpoint several times by email and phone calls in order to get an answer. However, I have not received clear information. They say they have not received the requested document ( Settlement Statement attached to this complaint ), but I am sure I have sent them this document 3 times. 

Please, I request that the money mentioned above be refunded. Also, I would like to know why the regular payment of the mortgage increased from {$2400.00} to {$2900.00}, because as I understand, this amount was going to be fixed during the life of the loan. 

I really feel uncomfortable with this situation and I would like to make a formal complaint Best regards, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NC

Complaint narrative:
I received a Brinks prepaid card in the mail. I didnt not request one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: UNITED GUARANTY CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020, we respectfully served XXXX XXXX  XXXX XXXX, owned by parent company United Guaranty Corporation with a RESPA inquiry, see attached proof herein. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ), a loan servicer or financial institution must provide consumer acknowledgment of request within 5 business days of receipt. 

As of today XX/XX/2020, the company XXXX XXXX  XXXX ( owned by United Guaranty Corporation ), have failed to even acknowledge our request. This is a clear violation of RESPA under section 6 of the Real Estate Settlement Procedures Act. 

We are asking for a copy of the HELOC loan note. Under Florida statutes we have every right to make such servicing request. We have no idea who the company is and how they obtain our account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A checking and savings account was opened in my name at a suntrust bank from online. I Have never had any type of account with SUNTRUST BANK! NEVER! How i found out i went to my old address to check mail box because my family and i just moved about three weeks ago and all of our mail have not been forwarded to our new home. So when i checked the mail i had a letter from Suntrust Bank with a debit card. I contacted Suntrust customer service spoke with a rep on the phone who got my personal info to verify and was told a checking and savings account was open in my name online and the only thing he could of tell was it was open this month XX/XX/XXXX. XXXX the Rep he couldn't tell us the exact date only the month. That i have to to a branch to get the info that inquired from the actual bank. To no avail so i had the account closed immediately. Went to Suntrust Bank today XX/XX/XXXX and was told they can't give me any information and that the account is already closed. They took my email to inform if anything else happens.

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