vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had put my card payments on hold during covid. The guy I spoke with at capital one advised me I could put them on hold for 90 days. So 90 days goes by then capital one sends me to credit bureau as late so then became my word against the guy I spoke to on the phone who advised me I had 90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
two companies continue to report late payments on my consumer report that are inaccurate. i spoke with two representatives and both said they'd removal the late mark, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/2021 at approximately XXXX I received a voicemail from the following phone number XXXX XXXX XXXX XXXX XXXX claiming that they are representing the department of the treasury XXXX 

This is an important message from Pioneer credit recovery Incorporated this is XXXX I'm calling on behalf of United states department of the treasury the law requires we notify you that this is a debt collection company this is up to collect a debt and any commission obtained is used for that purpose call us back today at XXXX and when calling back please reference ID XXXX once again the call back at XXXX I have searched the phone numbers for any relationship to the department of treasury but I can not find anything related to the government but I was able to match it to a debt collector XXXX : XXXX. I believe these are scammers and they are impersonating the department of treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have requested for any and all security freezes and fraud alerts on my consumer credit profile to be deleted by Equifax on numerous occasion but they have adamantly been unwilling to cooperate with me. This is hurting my credit profile and prevents me from being able to access credit. i feel they are taking my rights for granted and intend on continuing to perpetually violate my rights under the FCRA guidlines of the UCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I WOULD LIKE THE STATUS OF THIS ACCOUNT TO BE REMOVED. I HAVE SETTLED THIS DEBT WITH THE DEBITOR AND THE ACCOUNT IS NOT ACCURATELY REPORTING. 

XXXX XXXX TransUnion Account # : XXXX XXXX  Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've been a Bank of America credit card customer for over 10 years. I had debt on my credit card that I've been paying for five years and never missed a payment. Two years ago I added two people to my credit card. XXXX XXXX and XXXX XXXX. Recently I added three more people to my card and I was about to remove the two other authorized users that I had for over two years. I was out of town for 22 days and when I return home I had this letter from the bank. it said " unfortunately we made a decision to close your credit card we carefully reviewed your account history, credit report provided by the credit reporting agencies '' then they continue to say the current economic loss trends we decided to close your account for the reasons, Irregular authorize user activity ''. When I called Bank of America to fix this issue. They said there's nothing that can be done now because too many days have passed since I got the letter on XX/XX/XXXX when I asked them further questions they told me I had added five people in one month and that's why they made this decision. They continue to also say the decision also was impacted because of one of the credit bureaus. First I never put five people in one month so there was a misconstrued information. Second of all my credit is impeccable it's at XXXX and climbing and it's also frozen. These decisions seem very cold and unlike the Bank of America that I'm used to. I've been an excellent customer with excellent credit and on-time payments. The reason why I could not clear this up sooner was that I was out of town and if I was able to communicate this a week after I got this letter I would not be here making this complaint.

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 2021-08-05 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: NC

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was the victim of a scam in 2019, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank 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 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I WOULD LIKE THE STATUS OF THIS ACCOUNT TO BE REMOVED. I HAVE SETTLED THIS DEBT WITH THE DEBITOR AND THE ACCOUNT IS NOT ACCURATELY REPORTING. 

XXXX XXXX XXXX  Account # : XXXX Equifax Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: NY

Complaint narrative:
According to my credit reporting service the following - unapproved - inquires are on my account. Currently the following are on my account : XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Back in XX/XX/XXXX, I filed a chapter XXXX bankruptcy. For XXXX of XXXX, I owed Fay Servicing ( Mortgage company ). In XXXX I started making payments to the courts for the bankruptcy which included arrearage for the past three months plus the current months. My mortgage was {$1600.00} a month plus an extra {$300.00} of the {$4900.00} that was owed. When the bankruptcy went to verify what my arrearage was Fay Servicing came back with {$10000.00} for arrearage. I requested from the bankruptcy to get approval to speak to my mortgage company which was approved in XXXX of XXXX about the {$10000.00}. No one could tell me where the {$10000.00} came from and the mortgage company told me to talk to bankruptcy and vice versa. No one could give me a straight answer as to why or how I owed so much. This went on for months, In XX/XX/XXXX I took my current mortgage payment out of the chapter XXXX and started making payments on my own of {$1600.00}. Got statements in the mail that I still owe $ XXXX I called Fay Servicing and started talking to my account manager XXXX XXXX XXXX She requested a payment history which we never received, which went on for 6-7 months. She didn't understand how I owed the {$10000.00} as well. Recently she requested a payment history that we never received until XX/XX/XXXX, she sent me someone else 's personal documents. I asked her to explain the information to me and she put me on hold to get her manager and hung up and never called back. I called ack and she didn't call back after that. I've left several message and never got call back. On XX/XX/XXXX got an email from XXXX XXXX which was a payment history statement form XX/XX/XXXX until XX/XX/XXXX. I stll don't understand the payment breakdown and I've Ms XXXX back and no answer from her or Ms XXXX at all from XX/XX/XXXX and XXXX. I want them to explain how I owe {$10000.00}. I feel as if something is going on with my mortgage that I'm not aware of sneakily. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX - phone was stolen at XXXX XXXX and {$390.00} was transferred out of account through XXXX by unknown party. Phone was ditched and later found. 

XX/XX/XXXX - fraud complaint filed with bank after researching what my actions should be XXXX - bank has claimed unusual activity and has frozen all my remaining money and after contacting them, closed my account. later has denied the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: ID

Complaint narrative:
AFNI INC has been placed on y credit as a collection account for the amount if {$5000.00} Acct # XXXX that has been disputed and report to FTC and CFPB and police report was filed. I t was removed and it now has been report it to my XXXX  credit report, This account is fraud and im requesting it be removed from XXXX credit report. f

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
contacted the company and credit bureaus regarding reporting issues.

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 2021-08-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: OR

Complaint narrative:
I currently have a XXXX XXXX loan serviced by XXXX lending / aka mid america mortgage. We completed a refinance of our loan through this lender/provider in XXXX of XXXX. We received an amortization schedule for the loan that revealed the removal of the annual premium ( essentially the PMI ) on a date of XX/XX/XXXX. The reason the premium fell off at that time is because the rules for the calculation of the LTV on a Section XXXX loan are simple. As stated in the federal register : " This annual premium will continue until the unpaid principal balance, excluding the upfront loan guarantee fee, reaches 78 % of the lower of the initial sales price or appraisal value based on the initial amortization schedule. '' This was a refinance so there was no initial sales price associated with the loan so the basis of the LTV was against the appraisal " excluding the upfront loan guarantee fee '' that was paid when we closed on the loan. 

XXXX/mid america continues to state that our LTV is calculated based on the remaining principal balance divided by the appraisal value provided during the refinance. 

However the calculation should be the remaining principal balance, excluding the upfront loan guarantee divided by the appraisal value provided during the refinance. 

We even have an amortization schedule that was included in the closing documents that validates this threshold value XXXX the one that excludes the upfront loan guarantee fee that we paid XXXX. Despite presenting this evidence to their escrow department we received the following email from them : " Hi, We have received confirmation regarding the information in removing the PMI. The correct amortization schedule is from section XXXX. I have attached the amortization schedule showing the XXXX ( 77.9 % ) is on XX/XX/XXXX. 
Thanks Escrow '' Not surprisingly, nothing was attached to their email response. 

The math is simple ( per my attached documentation ). The original principal balance - {$360000.00} MINUS the loan guarantee paid upfront ( {$5400.00} ) / the original value of the appraisal of {$450000.00} is how the threshold value for the premium drop-off should be calculated.

This is my 2nd complaint with this organization ; I am unable to contact their escrow department in any other way other than email ( which is ridiculous ) and their inability to explain their bizarre servicing of my loan is extremely suspect at best. I suppose we don't have a lot of options when it comes to groups that provide Section XXXX loans but the ability to have a conversation around details like this are pretty basic things in my opinion and limiting the ability to communicate to only email is unprofessional and disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG

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 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
CONVERGENT OUTSOURCING bought an old debt that is already reporting on my credit with XXXX XXXX making this a duplicated account. Convergent Outsourcing RE-AGED the account. I sent a request to Convergent asking for validation and they just ignored me. They never responded. This has been going on for 90 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 2021-08-05 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: TX

Complaint narrative:
Hi. 

I have been trying to get my account balance restored due to an error on PayPal end. I have done everything I can to proof that my account was flagged in error. I am now being told that I have to wait until 180 days is up from when my account was limited which is XX/XX/XXXX. That date is completely over 180 days as my account was limited on XX/XX/2021. So if PayPal is not going to release my funds now. The correct date of release should be XX/XX/XXXX. I would like PayPal to review all documents and release my account ASAP or correct the release date to XX/XX/2021 as XX/XX/2021 will be well last 180 days. 

PayPal has caused a financial burden on my end and I hope they act in good faith and release my funds earlier. This will be my 3rd attempt to show them that I should not have been flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021, I received a request for a wedding photography booking from a XXXX XXXX via XXXX XXXX XXXX. She said her boss was going to send the down payment {$500.00}. On XX/XX/2021, when I received the check, it was for {$2700.00} instead of {$500.00}, and she said her boss had accidentally included the XXXX XXXX XXXX XXXX  in my check. Instead of voiding it and telling her to resend my payment as I should have done, I tried to be gracious and deposited the check into my USAA savings account, then followed her request for me to send {$1600.00} to the makeup artist and keep {$1100.00} instead of {$500.00} for myself ( as a larger downpayment towards the {$2200.00} total fee for their wedding photography bill ). On XX/XX/2021 I sent {$1000.00} from my bank, through XXXX, to a XXXX contact she gave me ( XXXX XXXX  ). XXXX would not allow me to send more that day, so the next day on XX/XX/2021 I sent {$650.00} to another XXXX contact she gave me ( XXXX XXXX, XXXX ). 

Later in the day on XX/XX/2021, XXXX texted me and saying that the wedding venue canceled the venue because they are unable to have the wedding due to covid19 regulations. She said they would like to give me {$150.00} for inconvenience fees but needed the rest of the money sent back. I tried sending to the XXXX  accounts they wanted but XXXX kept flagging those accounts as suspicious, so I told them I would sent via XXXX. On XX/XX/2021 I sent {$850.00} to them via XXXX, to the XXXX XXXX contact. On XX/XX/2021, she said they needed me to only keep {$150.00} as an inconvenience payment, and send the remaining {$100.00} back to me via XXXX. She asked me to change my settings to get around the XXXX flags. I sent {$100.00} via XXXX, and on XX/XX/2021 they asked for all the money back so I sent the final {$150.00} through XXXX with my XXXX XXXX XXXX XXXX account ( XXXX was maxed out so they asked me to go that route with PayPayl ). The XXXX {$150.00} was sent to a XXXX XXXX ( XXXX ) and XXXX was to XXXX XXXX ( # XXXX ). 
On XX/XX/2021, I realized their {$2700.00} check bounced when my savings account went into the red. And it all clicked. I feel so stupid but have a tendency to believe the best and trust people. This whole experience has helped me set up a better plan in place for payments to my company. 

{$1000.00} XXXX to XXXX XXXX {$650.00} XXXX to XXXX XXXX {$850.00} XXXX to XXXX XXXX {$100.00} XXXX  to XXXX XXXX {$150.00} XXXX to XXXX XXXX = {$2700.00} taken. 

My USAA bank will go after the scam but will not refund me the lost funds. I am looking to try and get the money back!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation