vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from Bank of America on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by Bank of America and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with Bank of America as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. Bank of America still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.

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 2020-12-02 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: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC
State: SC

Complaint narrative:
Between XXXX, 2020 up to the present time, I have been making deposits between {$25.00} and {$100.00}, at least bi-weekly to a JPay account in the State of Florida XXXX XXXX XXXX System. According to Customer Service Representatives of JPay, whom I have spoken to on the phone, I am told that once I make that transfer, then the funds are not mine any longer and they now belong to the account of the XXXX that I have made the deposit to. This part is understood by me. However I am objecting to the fact that I can't access that account to check on the balance remaining in this account. The only acces that is given to me is a list of the transactions that I have made. As I am the XXXX  of this XXXX, and I'm sure that most parents and family members who make deposits, also would feel that we should know what the balances are. We have to wait for our loved one to actually tell us that there is no money left in their accounts before we feel comfortable about adding more funds. We are also charged {$11.00} as a service charge to deposit {$100.00} into an account. There are also deductions for JPay that are deducted from purchases made by the inmate and a weekly service charge to maintain the account. JPay LLC is licensed by the Georgia Dept of Banking and Finance, their ID is NMLS # XXXX. We as the depositors of these funds feel that we have the right to know at anytime that we choose to know what the balance is in our loved ones accounts. We know the balances of our phone accounts. That is how we know when to refill our XXXX  phone accounts. We know our stamp balance account. That is how we know to buy more stamps so we can continue to email our loved ones. Why can we not know the cash balances in their accounts? This is not, and does not sound right to me and many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I started an online chat with my Mortgage servicer ( Flagstar ) asking about how to remove the PMI from my loan. At that time my LTV ratio was 81.596 %. 
On XX/XX/XXXX I started another online chat with my Mortgage servicer asking more info on options/ways to remove the PMI. One option they indicated was if we had made significant improvements to the property, thereby increasing its value. We had done this, so I submitted the paperwork with full details on all updates we made ( full kitchen remodel and a bathroom remodel, plus an office added ). 
On XX/XX/XXXX I submitted the paperwork to Flagstar via email, per their instructions. 
On XX/XX/XXXX I received a robotic denial letter from Flagstar. In the letter, they indicated my LTV ratio was too low to allow for the PMI removal. They indicated my LTV was 81.3 % - or, exactly my loan balance divided by the original XXXX appraisal value. It was clear that they did NOT even look at or factor in the substantial home improvements we made. We put {$25000.00} in improvements to the property and they ignored this on my request and apparently just did an instant reject. 
On XX/XX/XXXX I wrote a letter attaching all proof of what is listed above ( chats from Flagstar, my original PMI removal request and the updates we did, and their reject letter ). In my letter, I showed them that we put {$25000.00} in updates, and even if we used 100 % of that total, 75 %, 50 % and even only 25 % of the money we put in to fixing it as " added value to the property '', our LTV ratio would indeed be well below 80 %, qualifying us to have the PMI removed. 
I sent this letter via certified mail on XX/XX/XXXX. 
On XX/XX/XXXX I also sent a copy of the certified letter to the email address that assesses the PMI removal requests. 
After a month had passed, I still had not received any reply to my letter. 
On XX/XX/XXXX I sent a follow up email indicating I had received no reply to my certified letter. 
I am submitting this formal complaint, as I feel we have been completely ignored and unfairly denied the PMI removal. Unless I am missing something else here, the mortgage company has been unhelpful, making me jump through hoops and ignoring my requests and letters. I have to continue to take time out of my day to keep following up, or putting evidence together, only to have no replies or answers.

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 2020-12-02 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 — Was not notified of investigation status or results
Company: Capstone Credit & Collection, LLC.
State: RI

Complaint narrative:
I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
This company : " CEDARS BUSINESS SERVIC at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX or ( XXXX ) XXXX '' has reported a fraudulent collection to my credit report without notifying me. When I have disputed it they have " confirmed '' the debt was correct without speaking with me. When I redisputed the debt they tried to get me share personal information about myself without any verification of who they are of who they represent. I have numerous times asked them to send me a letter verifying what debt that I allegedly owe but they have not done so. This has been a dispute that has been over a month and they have still not verified my alleged debt or given me written notice of such a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
MoneyLion Inc. has been reporting on my credit file a collection account I have no knowledge of. I have disputed this collection account via XXXX dispute center several times, most recently XX/XX/2020 and XX/XX/2020. My disputes are going ignored and I never receive either the debt verification letter I ask for or a debt validation letter. Instead they continue reporting this account which I never opened and they report different balances after every dispute. For example, they reported a balance of {$290.00} in XXXX, 2020 but later updated it to {$260.00} on XXXX, 2020 and they have been reporting a balance of {$300.00} since XXXX 2020. I do not own this account and this company is avoiding the law continuing to report it to my file without verifying and/or validating this debt. after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: RI

Complaint narrative:
They called and said I owed XXXX XXXX {$270.00} for a place I lived at 3 years ago. I called XXXX XXXX. I have no bill in collection for my old or current address.

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 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: ME

Complaint narrative:
This morning on XX/XX/2020 I received an update on my credit report of a new derogatory remark from a company Jefferson Capital Systems LLC whom I have never heard of. They had opened an account on XX/XX/XXXX without my knowledge stating they had bought debt from XXXX XXXX in my name to the tune of {$100.00}. I have never been contacted via mail, phone, or email by Jefferson Capital Systems LLC to make me aware that I in fact owed them any amount of money. Instead they put my account in to collections putting a negative remark on my credit report, and driving down my credit score. 

If I am correct, this goes against the Fair Debt Collection practices act subsection 808, as well as subsection 809 showing that they have to make contact with me about debt owed to them. I have contacted Jefferson Capital Systems LLC today XX/XX/2020 to speak to them about why my account with them is in collections on my credit report. They repeatedly said that what they did is within their company guidelines, and completely ignored what I had to say when I brought up the Federal Fair Debt Collection Practices Act. 

I don't see any way that shows what they did as being legal, how was I supposed to know I owed Jefferson Capital Systems LLC money if they never contacted me saying so? What they said is that if I pay the debt, the remark will be removed, however I truly believe what they did is technically against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Equifax. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX  and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-12-02 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my Credit Report. It has been well over 30 days and I haven't received any investigation results.

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 2020-12-02 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my Credit Report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I've applied for an Apple Card provided by Goldman Sachs, multiples times, but each time I've applied ( through the XXXX XXXX  app on my XXXX ), I've been denied. On a constant basis, I get e-mails and ads from XXXX suggesting the I apply for an Apple Card. Each time that I launch the XXXX XXXX app on my phone, a message pops up to suggest that I apply for the Apple Card. These ads pop up all over my XXXX whenever I attempt to complete a financial transaction or use the wallet. 

I shouldn't be bombarded with these ads from Goldman Sachs in reference to the Apple Card if they are not going to actually give me the card. Because this company is partnered with Apple for this venture, I shouldn't have to keep getting these constant ads for something they are not allowing me to have, each time I use an app on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Ive been working on my credit and got a lot of items deleted Or paid off and my score only moved up 1 point called to ask them about it they said something about factors something is not right with that 3 things on my credit was taken care of and my score only moved 1 point thats not right and they are also reporting and account thats current delinquent

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