vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: PA

Complaint narrative:
Have been disputing a XXXX account of {$150.00} TransUnion credit reporting agency and they have yet to remove the account from the file. Even after several attempts to dispute directly with XXXX, XXXX still has not verified nor validated this alleged debt. I have sent communication to XXXX just recently XX/XX/2020 by USPS certified mail, E-Receipt asking they verify and validate the debt and notice went ignored. TransUnion, will not remove this XXXX account from the file even after multiple communications with them I have yet to get any response showing that I am the one who the debt belongs to. I have sent communication to XXXX on XX/XX/2020 requesting verification and if not remove the account from the TransUnion file and they have not done so, in fact my first letter sent to XXXX ( XX/XX/2020 ) stated that if they could not verify/validate the alleged debt they would need to close the account and remove it from all three CRA. They closed the account but never removed it, by them closing the account they agreed to the terms of the XX/XX/2020 letter and should have removed it from the CRA file as well. Now disputing the matter with Transunion they still remain to keep the account on the report. It was never proven to belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I do not know what this account is in the amount of XXXX is for. I do not even know who to contact. I am requesting that this company please provide me with documentation supporting that this debt is owed.

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 2020-10-05 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: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

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 2020-10-05 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Per Customer service Bank Of America CHANGED Program and  they only taken out minimum payments. I have for the last several years had additional money taken out towards principal. After new programs installed by Bank Of America. Tried to resolve this issue since XX/XX/2020 to date it has NOT been corrected. Try to contact CUSTOMER SERVICE AND THE BANK no one seems to know how to resolved this issue.

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 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
My dispute is with Honda Financial Services. Account Information : Account # XXXX XXXX XXXX   VIN:XXXX XXXX In XXXX of this year, we moved from XXXX XXXX XXXX. to XXXX XXXX XXXX XXXX MA, XXXX. 

I called and reported my move to Honda Financial Services in late XXXX. By the time I called and a bill had been resent, the account was overdue. 

I received a call from collections sometime in XXXX/XXXX  about the delinquency of the account. Collections requested a payment over the phone. I explained that I was not going to give my credit card information out to anyone over the phone, that I had moved and to please send me a bill and I would pay immediately. 

While no bill had come in the preceding week, I took it upon myself to create an account with Honda financial services and paid over the internet. I have had the lease for 3 years and have never paid late. 

This delinquency caused my credit to drop significantly. 

So i called Honda and explained the case. They said that bc collections called me then they were absolved from any dispute. I explained that I pleaded with collections to send a bill immediately but no bill was sent. That the forwarded mail as well as the XXXX/XXXX   statement arrived yet the account was already overdue. 

Collections for Honda does not send account statements out and I was uncomfortable making a payment over the phone. They believe that just bc collections called me and I answered then I was responsible for the bill as well as reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
My loan # XXXX was transferred to Rushmore Loan Management Service XX/XX/XXXX. During this transition, my ACH payment that I had set up with my previous servicer was cancelled. On XX/XX/XXXX I was contacted and was made aware of this. I made two payments over the phone to bring the account current and gave the representative my account information to set up the ACH drafts again to be effective for the XX/XX/XXXX payment. In XX/XX/XXXX I received another call saying my mortgage payment was 30 days past due. They said the ACH for XX/XX/XXXX payment was set up incorrectly and did not go through. They advised me to go online and set it up in which I did. I brought the account current and set up the ACH draft. On XX/XX/XXXX, I called Rushmore to see about receiving a curtesy removal of the late mark on my credit as it was not my error. The representative assured me that this would done. In speaking to Rushmore today, XX/XX/XXXX, I was told that the request was denied but that representative only noted that the borr requested it to be removed, no notes in regard to what had actually occurred. This late mark was solely in error on Rushmore 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical & Professional Collection Services, Inc. NC.
State: IN

Complaint narrative:
On XX/XX/XXXX I contested alleged debt because Plaintiff refuses to provide anything in writing. The Plaintiff 's attorney yelled, harassed, bullied me, and told me I could not dispute " so close to the hearing '', which is not true. 
I made her aware this is also beyond the statute of limitation. 
In XXXX, a judgment for {$11000.00} was granted on debt I am still unaware of, I was not properly served and did not know about this hearing. Plaintiff is now alleging I owe {$19000.00} and refusing to validate the debt. No hospitals have any debt on record under my name.

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 2020-10-05 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: MS

Complaint narrative:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party.

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, XXXX  and Equifax are in violation of my rights and is subjected to a law suit under these laws/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: MS

Complaint narrative:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. 

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, XXXX, Experian and XX/XX/XXXXare in violation of my rights and is subjected to a law suit under these laws/

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 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I am filing an official complaint regarding Planet Home Lending , LLC | NMLS IDXXXX, regarding the refusal of returning an unauthorized withdrawal from my checking account. 

Friday, XX/XX/XXXX, XXXXPlanet Home Lending withdrew two payments for {$2400.00}. 
- My wife called Planet Home Lending, and they asked for a wire transfer form and bank statement to show proof. My wife and I worked to get this to Planet Home Lending and submitted documents the same day. 

Monday, XXXX XXXX XXXX XXXX the manager, expressed that she received all documentation and will submit to having the money transferred within 1 to 3 days. Per XXXX, " She will call back today or tomorrow latest to confirm. '' Tuesday, XXXX XXXX XXXX never called back, my wife called, and Planet Home Lending and the representative stated, " XXXX said, everything was submitted, and I have to wait up to three days to get money back. '' Friday, XX/XX/XXXX, No money was received. My wife called back. The Planet Home Lending representative said XXXX was in training, but she confirmed that she submitted everything on Thursday, XX/XX/XXXX. Also, the funds should be there within three business days. 

Tuesday, XXXX XXXX I called again to XXXX XXXX and she said she submitted everything on her end, and for sure, it will be there by tomorrow. 

Wednesday, XXXX XXXX-No money was received. Continued to wait. 

Friday, XX/XX/XXXX, my wife called and spoke with XXXX, Manager XXXX XXXX XXXX. He was incredibly insensitive to the matter. My wife told him that she has bills due and she needs HER money. She told him that she would be left to scramble over the weekend. XXXX XXXX, " I don't know what to say to you. I have completed the paperwork. You are just going to have to SCRAMBLE. " Monday, XX/XX/XXXX, I checked my bank account. No pending wire transfer. Called XXXX, he stated that he completed the paper, and the wire will be transferred within the next 1-3 business days. I asked XXXX for a confirmation number of the wire transfer number, and he said he does not have it. I asked to be transferred to his supervisor, and he said, " No, I have taken care of it. The buck stops with me. There is no one higher than me regarding this situation ''. I asked again to be transferred to his supervisor, and he said no. I then requested eight more times, and he said no, and the phone disconnected. 

I still do not have my money, and I am still scrambling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
on XX/XX/2020 I received an email from PayPal ( Ref ID - XXXX ) that my paypal business account will be limited going forward which means I can not use it anymore They are also holding my balance of approx {$110.00} for 180 days which I can not withdraw now. 

I reached out to them for resolution and know the reason but I got the same response over a secure message from them. 

Paypal business account is very important for me to run my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I applied to refinance my mortgage Quicken Loans and requested cash out to consolidate debt. I informed the loan officer that I wanted to stay at or below 70 % LTV. The loan officer provided an estimated home value of {$87000.00} and created a Loan Estimate based on this amount. This would provided me with approximately {$60000.00} for debt consolidation, and home improvements. 

I was required to pay {$500.00} for the appraisal up front, using their affiliate. The appraiser used inappropriate comps and valued our house at {$820000.00}. I subsequently received a new loan estimate with a {$5000.00} increase in closing costs due to the LTV now being over 70 %. 

I disputed the appraisal to no avail. She continued to use a home vacant for nearly a decade, and a house that is currently being gutted as a comp to our updated, move in ready home. There was also a slight discrepancy in square footage. I showed them other comps, and the appraisal value in XXXX, but they did not take either into consideration. 

I told Quicken I was going to pull the application, but they tried to convince me not to cancel since I had already invested so much time and money out of pocket. I told them that I was not willing to pay the additional closing costs. They then sent me an updated Loan Estimate with a cash out estimate of $ XXXX far less than what was originally presented, or what we needed. My options were to pay the extra {$5000.00} to get the money out that I needed, or settle for less. 

I have since cancelled my application, though I don't know if they have yet, because I am still getting notifications and requests.

Company response to consumer: Closed with explanation