vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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: IL

Complaint narrative:
On XX/XX/2021 I sent XXXX, Equifax, and XXXX  a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and Equifax never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact XXXX, but still not providing the method used to verify the information. Equifax never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: IL

Complaint narrative:
On XX/XX/2021 I sent XXXX, XXXX, and Experian a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and XXXX  never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact XXXX, but still not providing the method used to verify the information. XXXX  never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2021-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Since XX/XX/XXXX, Flagstar Bank has been placing my mortgage payment into a suspense account instead of applying it towards the mortgage. After paying my mortgage payment, I have been successful every month since XXXX to get the payment out of suspense and put toward my mortgage. 
However, since my XX/XX/XXXX payment, Flagstar shows that I haven't paid my mortgage. 
I have paid XXXX and XX/XX/XXXX payments. Flagstar collections and loss mitigation are sending me letters and calling me non-stop for my XXXX and XXXX payments although they have been paid. We will pay XXXX 's payment once this has been resolved.

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 2021-05-17 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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: AL

Complaint narrative:
My family and I was looking for a cabin in XXXX XXXX, Tn. We were unable to take a trip last year due to COVID. We decided to search for cabins on XXXX or through the XXXX XXXX Owners Page. After doing an inquiry on the owners page I received an email back the next day which was XX/XX/XXXX telling me that he owner a lot of cabins in the area and that he would be more than happy to find us a place. Our booking dates were set for XXXX XXXX. He gave us a total of {$3000.00} for a 12 bedroom 12 bath cabin that slept 56 since that was within our budget. He told us that {$1500.00} had to be paid ASAP and the remaining needed to be paid 5 days before arriving. We paid everything and he informed me that he was looking forward to meeting and greeting my family upon our arrival. We left around XXXX XXXX from our town in Alabama and made it to the cabin around XXXX XXXX on XX/XX/XXXX. Upon arrival at XXXX XXXX  we noticed that the cabin the man gave us the address and passcode to already had someone staying there. We then went to the check-in office and showed the lady at the desk the contract that included the information for the rental. She called the property manager and the manager over XXXX. And he informed her that my name was not in their list for check in nor did they have any knowledge of the man that took our money. We called Called the company that we made the payment through ( Xoom powered by XXXX ) and was told that nothing could be done because the payment was already completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CREDIT MANAG XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX Have mention about a lawsuit maybe issue to me if the balance is not paid on a certain day {$930.00} the collections account. I will send in the documents what the dates I have receives these letters plus phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I pulled my report an noticed unauthorized inquiries reporting on my credit report. These inquiries are unverified and unauthorized, I've contacted the creditor and they have advised for me to contact your office with this matter. I extremely upset with this matter and need these unauthorized inquiries removed immediately. 

1. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/2020 2. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. XXXX XXXX Date of inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I requested Ohio Revised Code SCRA benefits two years ago. The accounts were removed from my credit report so I assumed they honored my request. The week of XX/XX/XXXX I received a call from Portfolio Recovery Services attempting to collect the debt. I contacted XXXX XXXX to inquire about the debt and was told my SCRA request was incomplete and they would send me a letter requesting missing documentation. I received two letters. One letter stated that my account was sold to a third party and I needed to contact them. The other stated that I was ineligible because the account was opened on XX/XX/XXXX and I enlisted in XXXX. I am a resident of Ohio Note that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I have attached documentation of the revised code and the letters sent to me from XXXX XXXX denying the benefits. I do not have the total amounts owed on the card however I have have both case numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
i sent 2 Validation Letters To national Adjusters asking them to send me Proof or any Kind of Documents to showed me that i owe that Money they never sent a Single Document i called them and asked them to sent me proof Never Did i Finally File a Complain with XXXX XXXX XXXX 
i do not know this people they Violating My Rights and been Hurting My Credit Scores it Time for them to Stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Prior cfpb complaint went unaddressed. Complaint where Nissan failed to make l scheduled payments and claimed we did NOT. Now and once again even though regular payments automatically scheduled and confirmed with them. You-the CFPB and they do nothing to correct the problem while we continue to get calls we did not pay!!!! Big farce!

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 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I received alert notifications from XXXX and XXXX. I have NEVER received a notification in the mail nor phone call from this company. I have no idea who they represent and they are adding derogatory to my credit report every day. I would like to take this investigation further as I am trying to rebuild my credit. I want to have an attorney involved as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened TD XXXX Credit Card on XX/XX/XXXX. In the credit card terms and conditions there was no foreign transaction fee listed. Today when my statement closed I noticed that TD Bank had started charging me foreign transaction fee since XX/XX/XXXX. TD Bank didn't send me any notifications about changes in fees. When I called TD Bank customer service looking to have this issue resolved, they confirmed the change in fees but refused to refund any of the fees charged. I believe that my consumer rights have been violated as TD Bank has added new fees without informing me as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and I want to report 3 accounts on my XXXX credit report that are and derogatory that do not belong to me and 2 on my Equifax that also do not belong to me as.I have been a victim of identity theft. I need to know why these are onn my credit report and why after sending 4 rounds of letters for dispute I have not receieved anything back from the bureaus I also opened an FTC for these accounts and yet they are still on my report. I will upload my ID. This is identity theft and I need this taken care of ASAP Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I have a home loan with PennyMac. Below are the details of the company XXXX. XXXX XXXX XXXX XXXX, CA XXXX Web : XXXX XXXX XXXX : ( XXXX ) XXXX Settlement Claim Checks : ( XXXX ) XXXX Customer Service : ( XXXX ) XXXX I have two issues to report regarding how PennyMac processes my payments. 

I have tried to make additional payments to principal reduction couple of times in last few months. This is apart from my original biweekly payments, which I have been making on time. PennyMac sometimes will move my principal reduction payment to suspense account and will apply along with normal biweekly ( which actually is monthly as they combine two biweekly and apply monthly ) cycle. This way they are not giving me benefit which I should receive by making principal reduction earlier on the day of settle date of payment. Their reasoning is, sometimes my principal reduction payments falls too close to biweekly payment date and their system gets confused. But I have specifically selected principal reduction on their website for these extra payments. Every time principal reduction payment gets stuck in suspense account, I have find out and send email to them and they keep giving same reason for delayed application of principal reduction payment. I feel they are doing this purposely to delay my principal reduction payments. 

PennyMac usually puts my first biweekly payment into suspense account and after receiving second biweekly payment it applies the total to the principal and interest. I am not sure this practice is valid. I was expecting them to apply each biweekly payment directly as it is received, so my principal gets reduced for every biweekly payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
American Advisors Group ( AAG ) fails CFPB compliance ( concrete evidence have been witnessed by current/former employees over the years and ongoing ) : Does NOT serve the mortgage lending needs of American seniors in an ethical manner. 
Does NOT treat all seniors equally. 
Is NOT honest with seniors. 
Does NOT give full disclosure about all terms and conditions of the mortgage loan during sales process. 
Instruct loan officers to mislead and manipulate seniors, and use knowledge to take advantage of seniors. 
Does NOT adhere to CFPBs code of ethics or XXXX XXXX XXXX XXXX XXXX ( XXXX ) s guideline.

Dishonesty and No Integrity : AAG management members conduct business in a manner reflecting systematic bullying, dishonesty, dishonor, and no integrity. 

Personal Misconduct : AAG loan officers mislead and manipulate unsuspecting seniors in signing up for reverse mortgages without disclosing all loan terms. Loan officers are instructed by management to lie, manipulate, and deceive seniors. Those of us who raise questions about AAGs steering behaviors and misleading information or speak out against the companys unethical and illegal business practices are placed on administrative leaves or have been fired due to fictitious reasons. 

Dishonesty in Advertising : AAG provide misleading information in their advertisements and solicitations. The TV ads by XXXX XXXX and mailed flyers to seniors asking them to call in for a DVD, but in reality loan officers are trained to persuade and manipulate seniors to sign up for reverse mortgage when they call in. The DVD is just a bait and switch sales technique. 

Non-Compliance with Law : AAG is an unethical company that has been scamming seniors with reverse mortgage under the protection of the Federal Housing Administration ( FHA ). They bride employees to go online and give glowing reviews on XXXX and XXXX, but in reality many employees are being bullied and harassed by management. AAGs business values are contradictory to their business practices. AAG training and workplace environment reflect systematic bullying, manipulation, and deception at the lowest to top management levels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: UT

Complaint narrative:
In XX/XX/2013 a car was illegally purchased As a result of identity theft by my sister XXXX who used my information to get quite a few things prior to her going to prison. The account number according to my 3 credit reports shows XXXX but I will provide my social security number. My reports are frozen so there is no harm putting them. It is XXXX.The original loan amount was {$36000.00}. I mailed American Honda copies of signed police reports. Statements from officers showing I did not even live in colorado where this car was purchased, as well as a affidavit from my sister admiting to the investigators she did get this vehicle and other items. I will no longer wait any longer for this item to be removed.My attorney instructed me to file this report, and he will file suit in local court to make them remove it and seek fcra damages for reports this on my credit reports if it is not off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank stole about {$1200.00} from me from my mutual fund, locked me out of my account. I have never been late with a payment and this is simply stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
At one point I had 2 credit cards with American Express, all in good standing for a long history. Due to the COVID-19 pandemic I fell behind on my debts, and was enrolled in various good faith programs offered by AMEX to offer amnesty. Once I fell further behind and was unable to maintain regular scheduled payments, both accounts fell delinquent. AMEX would call both my phone numbers on file multiple times a day, even outside the protected hours. Repeated attempts to contact anyone inside their organization goes unanswered to call centers around the world. My calls get dropped and I have all my conversations recorded on my end of what is actually being said. Supervisors are never available, and nobody takes ownership of their numerous Federal Trade Commission violations. Now they send threatening letters from attorneys demanding collection, and negative consequences associated. Currently I have a CEASE & DESIST on my file against American Express to stop them from repeatedly contacting me. Even with this, they still have attempted to contact me. They even called my father-in-law, a non-blood relative whom is NOT named anywhere on my file with them in regards to debts owed.

Company response to consumer: Closed with explanation