vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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: EQUIFAX, INC.
State: ME

Complaint narrative:
On XX/XX/2020 I decided I wanted to start working on my credit score. I was able to create an online account with both XXXX  and XXXX  with no issues. When I tried to create an account with Equifax I got this message : " We can't complete your request at this time. Please call the Customer Care team and mention error code NH. '' The number listed to call was XXXX. 

I called that number and after spending 10 minutes with the automated system answering different questions I finally spoke with a gentleman who only spoke very broken english. He told me that in order to create my account I needed to fax my driver 's license and social security card to Equifax 's fax number at XXXX, and to include a brief description with my name and why I was sending it in. I did that immediately following our phone call. 

Quite some time had gone by with no further contact from Equifax. Today, XX/XX/2020 I decided to call Equifax. Again, I spent 10 minutes with the automated system, and again spoke to a woman with very broken english. She looked into my account and could not find my documents. Naturally, this is very concerning to me considering the nature of the documents I had to fax in. I did confirm with her that I had changed my full first, middle and last names a couple years ago which explained why I needed to do this in the first place. 

She told me that there was no way for her to track down where my documents ended up. She could not provide me with a department name or phone number to call. When I asked to speak to a supervisor she put me on hold and never came back to the line. 

Normally I would not be upset however this encounter is really disturbing for me. I have no way of knowing if an employee at Equifax stole or misplaced my very sensitive documents and there is nobody in the call center who can help me track down where they might be. I know for a fact that my fax was delivered and received because I still have my fax confirmation. If it had failed to send I would have gotten an error instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC
State: FL

Complaint narrative:
I did a refinance of my mortgage with Sprout wholesale. It is a conventional loan. The loan was XXXX on XX/XX/2020 and the lender scheduled the closing for XX/XX/2020. Because it is a refinance, they were supposed to fund this loan on XX/XX/2020. As of today XX/XX/2020 at XXXX XXXX they have not funded the loan and what is worst, they are not even telling my mortgage broker when will they fund the loan. I am attaching an email chain between my mortgage broker and them. What will happen if my current lender decides to report me to the credit bureaus because they have not receive my payment from XXXX? 
According to my mortgage broker, Sprout is doing this all over the US, so it seems to be a problem with their credit lines. In the meantime they keep receiving new applications from clients that do not know what is going on with that firm. Avoiding this type of ponzy schemes and protecting the consumer, isn't what the CFPB is for? 
Please help, it is not right for a financial firm to behave like this and do not correspond with their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I requested that TransUnion investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX ( Acct # XXXX ) As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX ( Acct # XXXX ) 3. XXXX ( Acct # 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 2020-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
Company still reporting on my credit after it sold it to another company. Already paid the other company and keeping this negative item on my credit is stopping me from being able to provide my kids with a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all XXXX, Equifax, and XXXX  credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX XXXX  and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX  's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WY

Complaint narrative:
My friend talked me into to switching to Chime from XXXX XXXX  about 2 months ago. I made the switch, withdrew money from and closed my XXXX account. Then, I deposited all of my cash ( over {$5000.00} ) into Chime and redirected my XXXX benefits to direct deposit into Chime. After several weeks of using the account without issue I made a {$700.00} cash deposit into the account and they suspended it 20 minutes later claiming suspicious activity on the account. They asked for a slew of documents and pictures of me with my ID, BC, SSC, etc. All of which I submitted within an hour. They then held my funds in limbo for over a week before telling me my account was closed and I was not eligible for a refund. They literally stole all of my money from me, everything I have! They are refusing to refund my money and continue to redirect me to their Account Agreement, Section 9 which specifically states that I am entitled to a refund. They also refuse to elaborate on how I violated their terms of use policy. This is not an isolated incident, they have thousands of complaints such as this all over the internet. 

My balance at the time my account closed should have been XXXX I also had a XXXX XXXX account that should have had nearly {$300.00} on deposit. 

I can not get exact balances as they have refused to give me any information regarding the account/ The suspension was placed on XXXX and the account was closed on XXXX with an e-mail telling me I am not going to be refunded. 

I reached out to them and they told me to send an e-mail to XXXX which only generates scripted responses that are not helpful in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX continues to fail to report two of my XXXX  XXXX XXXX accounts ending in # XXXX and # XXXX respectively and both open many years. In XXXX of 2020, XXXX XXXX opened up case # XXXX and continues to confirm that each month, they report both of these accounts to EQUIFAX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
This debt was paid through XXXX XXXX XXXX over the phone payment. On XX/XX/20 Tracking number for this payment is Tracking Number : XXXX. I spoke with some one from allied collection service a few weeks later ( Cant Remember the date or the name of employee i spoke with ) and asked them did they receive the payment confirmation from XXXX XXXX that this account was paid in full. They stated that did not received the email confirmation letting ( Allied Collection Services ) that it was paid. I Then again Spoke with XXXX and they stated that, they tried to reach ( allied Collection services ) over the phone and email. They haven't heard back from anyone from there offices. I Checked my credit report and Allied Collection Services is still reporting this account is not paid in full. Which it is. I Should not be responsible for paying allied collection service a extra {$89.00} for mistake. THIS ACCOUNT WAS PAID THROUGH THE ORIGINAL CREDITOR XXXX XXXX XXXX. I WOULD LIKE IF ALLIED COLLECTION SERVICE WOULD DELETE THIS OFF MY CREDIT REPORT. TO WHOEVER THEY REPORT TOO. There is two attachment attached 1. From XXXX XXXX XXXX showing the money coming out my account. 2. Email from XXXX XXXX XXXX stated the money was paid in full.

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 2020-10-02 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: TX

Complaint narrative:
I have disputed this information several times with equifax and even tried using XXXX to help get this off but they refuse to get it off of my report for some reason. It is old outdated child support that information is incorrect on. I believe even the dates are wrong in it also says it was opened on XX/XX/1969. I wasnt even born then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
Suntrust ( now Truist ) is advertising " no origination fee '' refinancing. 
https : //www.suntrust.com/home-mortgages/current-rates There is indeed an origination fee ( relabeled as a " processing fee '', {$980.00} in my disclosures ). 

I was also unhappy that after I uploaded my taxes and bank statements as part of the application process, I was required to sign an agreement to allow Suntrust/Truist to share these sensitive documents with other companies for various reasons, including marketing. It is within 3 days and I wish to rescind this agreement and cancel my application. It seems there is no way to do this, as the sole contact person has no idea how this would be done. I have been unable to reach anyone at the company that can help.

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 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I tried to open an account online but couldnt so I called the bank. I was told to come to the bank to open one and set an appointment. I went there and was told that I can not open one and that I need to call the number that was given by the bank employee. He didnt give me a reason why I could not. So I called from home and was told the same thing that I am not allowed to open an account with no specified reason. Also the bank representative stated that I had an account opened back in 2016 and that it was closed. I asked why was it closed. I asked if there was money owed or something happened. They couldnt say. I was very young during that year and dont recall opening that account in 2016. So hence why I asked for reason for account closure. The representative couldnt give a reason and said it was an internal information and unable to access the internal information on the closure and hung up. That was very rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
They keep stating I owe them and I don't owe them anything. The address they have for that account is not even mine. they keep telling me to pay or ill be taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I attempted to contact Equifax to temporarily unfreeze my credit file so XXXX XXXX  can review my credit file so I may apply for a {$100000.00} Personal Line of Credit. I was unable to access MyEquifax.com and was instructed total XXXX XXXX Note : I called 5 other telephone numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX all to no avail. I called and answered the automated identification questions and was told that I could not be identified and to either fax or mail in my full name, address and former addresses, drivers license, social security card, date of birth, utility bill and description of my concern. On the same date, I drafter a cover letter memo with all of the above-mentioned requirement and faxed to XXXX ( Note : that on XX/XX/XXXX, I called Equifax and spoke with XXXX, CSR and she said that the fax number was old and gave me fax number XXXX ) so I resent the fax. I also mailed the same information by certified mail return receipt requested. Today XX/XX/XXXX, I received correspondence from Equifax stating We were unable to locate a credit file in out data base with the identification information you provided and that The documents you provided were illegible. All of the documents that I provided were in color very large and clear. The correspondence is also asking me to provide ALL of the identifying documents that I just faxed and mailed. Also on my credit report dated XX/XX/XXXX, my birth date and the town that I reside in is incorrect which may be the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management continues and has violated my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$3000.00} to be paid via check for 3 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Midland Credit Management. This has caused me mental and physical distress. The certified return receipt was received on XX/XX/XXXX at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I purchased a computer for XXXX XXXX XXXX back in XXXX that started having problems with the hard drive, that eventually died. I received no response from XXXXXXXX XXXX XXXX, so I contacted the XXXX XXXX XXXX   and filed a complaint. XXXX XXXX XXXX  responded and I was given a {$51.00} credit so that I can purchase a new hard drive for my computer that has been sitting here in non-working condition. My work has been behind for now four weeks and finally my complaint was resolved. Now, the credit was put on my Bluebird/Amex card for the {$51.00} as of XX/XX/XXXX, but now it is on hold and I really need to purchase my hard drive, because I can't afford to be any more behind. I have attached documents showing screenshots of what is seen on my Bluebird account with the transaction information. A rightful return now being on hold after having to deal with this fiasco for the last few weeks, is completely unacceptable. I noticed online, there has been a lot of complaints about Amex/Bluebirds practices. Months before they were not doing this, and now they are getting really crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: NV

Complaint narrative:
I XXXX XXXX, submits this complaint against TCF Bank ( hereinafter TCF ) for allowing unauthorized automatic draft from my checking account. 
On XX/XX/XXXX, a merchant unknown to me doing business as XXXX XXXX XXXX withdrew {$49.00} from my checking account. I have no knowledge or no business with this company. This was the first unauthorized withdrawal. Second XX/XX/XXXX for {$49.00} this caused an overdraft fee of {$15.00}, on XX/XX/XXXX another fee for {$49.00} was withdrawn caused an overdraft fee {$15.00}. 

I became of aware of these fraudulent transactions after I attempted to make a ATM withdrawal. I contacted tcf Bank they informed me of the bank that was making these alleged withdrawals. They also claimed that it seemed suspicious according to their records. Whereas, I have never authorized any automatic payment from account since opening on or around XXXX. The bank representative informed me that they suspected some illegally activity but refuse to XXXX XXXX my account unlike most banks and credit cards company. I also believe that someone from within TCF who is authorized to monitor my account. Is fully responsible for my hardship. 

This fraudulent transaction has brought hardship and stress as a senior citizen living on a budget, I can not afford any overdraft fees that I am not responsible for. TCF failed to notify me of these illegal transactions and too safeguard my identity. They refuse to start a complete investigation to have the bank in question to refund those illegal withdrawals. TCF also allowed for my identity to be misused and abused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I HAVE DIPSUTED THIS ACCOUNT SERVERAL TIMES. ALSO PROVIDED A SECURITY BREACH FROM THE XXXX XXXX XXXX XXXX. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS. IT IS VIOLATING MY RIGHTS AND HINDERING MY CREDIT BUILDING PROCESS.ALL THE OTHER BUREAUS HAVE REMOVED THESE ACCOUNTS FROM MY CREDIT REPORT EXCEPT TRANSUNION.

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