vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I HAVE CONTACTED CALIFORNIA XXXX XXXX TO DISPUTE THIS ACCOUNT. 

I HAVE REQUESTED PROOF/DOCUMENTS FROM XXXX THAT I OWE THIS DEBT AND THEY CAN NOT PROVIDE ME WITH ANY. 

I ALSO SENT MY CORRESPONDENCE BY CERTIFIED MAIL AND THEY DID NOT INVESTIGATE MY DISPUTE AND RESPOND WITHIN 30 DAYS I FOLLOWED UP WITH A PHONE CALL AND THEY STATED " THEY DID RECEIVE THE LETTER '' MY CREDIT REPORT WAS NOT UPDATED AS DISPUTED. 

I THEN APPLIED FOR A MORTGAGE AND RECEIVED A A HIGHER INTEREST RATE. 

GIVE THE AUTOMATED UNDERWRITING PROCESS, THE FACT THAT XXXX DID NOT UPDATE THE ACCOUNT AS " DISPUTED '' IMPLIES THAT " I AGREE '' THAT THIS ERRONEOUS MEDICAL COLLECTION BELONGS TO ME AND ALL THE INFORMATION IS CORRECT. WHICH IT IS NOT. 

THIS ACCOUNT MUST BE REMOVED FOR REPORTING FALSE, ERRONEOUS AND MISLEADING INFORMATION. 

ALSO, UNDER THE XXXX THIS COMPANY " XXXX '' IS REQUIRED TO REPORT UNDER STATE LAW, ACCURATE, OBJECTIVE INFORMATION WITH MAXIMUM POSSIBLE ACCURACY BEFORE IT EVER EVEN DISPUTED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent the 3 credit bureaus letters dating back from XXXX and in XXXX and still heard nothing from anyone of them. I am reaching out to you because I need help before I take legal action. Thank you very much.

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 2021-04-14 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: MD

Complaint narrative:
On XX/XX/26, I sent a letter to the credit companies and ask them to verify that the accounts that I listed are correct and need them to send documentation of how these account were verified. It has been 30 days seen I sent that letter and still have not received anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RFNA, LP
State: TN

Complaint narrative:
I have tried to work out a payment arrangement with this company and the collection manager, refused to accept my payment arrangement. 

She has threatened to sue me on numerous occasions. She refuses to work out an arrangement with me because I can not pay what she has demanded from me. 

She have caused me XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NY

Complaint narrative:
I sent the 3 credit bureaus letters dating back from XXXX and in XXXX and still heard nothing from anyone of them. I am reaching out to you because I need help before I take legal action. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
First, i do not owe the original company any money because i did not do any businesses with them. I requested Validation of debt. The documents sent to me to validate the debt do not show my name nor my signature as the person liable for the debt. I informed SouthWest Recovery Services that this is a fraudulent debt and it needs to be removed from all 3 credit bureaus. I have sent Southwest Recovery services a notarized letter with my name ID and signature so they can see the debt they are trying to collect on does not belong to me. They still have not removed the debt collection from my credit report.

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 2021-04-14 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: MI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2016 of my XXXX  reports were removed from my credit report. 1 XXXX XXXX account and 15 ( all ) of my XXXX/Dept of Ed accounts were deleted. I recently just disputed with Experian because they haven't updated my report reflecting that the 16 accounts should be removed. After the dispute they STILL have not deleted it. THEY NEED TO DELETE IT. Them not having uniform information across all 3 bureaus is erroneous. DELETE ALL 16 OF MY REPORTS THAT XXXX  DELETED PLEASE AND THANKS.

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 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I received a call for a lady named XXXX who said she was from the fraud department about an account. She was asking very personal questions about where our money comes from and our spending habits and how we use our money. I thought these questions were non of her business. 

After this call I was locked out of all my accounts with not internet access also. I called them back to ask about this and they said my accounts were under investigation for fraud. I monitor my accounts closely and have not seen anything to indicate fraud. I am also the POA for my mothers accounts as we have had to put her in a XXXX XXXX because of XXXX/XXXX. I have been taking care of my mothers finances for over a year with out any problems, but now I can't access her accounts to continue paying her bills. 

I want to file a formal complaint against this XXXX person as she has meddled in my accounts and has caused a lot of hardships for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: IN

Complaint narrative:
I have disputed my complaints about certain credit as I listed in my letter and affidavit about them fraudulently placing their tradeline names on my credit report. I have shown the Experian how legally the alleged amounts, the trade line names, and alleged late payments by these FDIC banks all fraudulent based on laws and process that these alleged loans take place. All the banks and any entity that has purchased the alleged debt are doing so fraudulently. They act as if they have lent something of value to place their tradeline name on the credit report. FDIC banks can not lend their on assets or become surety of someone elses money. This would mean the banks are acting Ultra vires. Yet Experian has not done a legal verification of this alleged creditors and taken them of my credit report.

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 2021-04-14 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is reporting late payments for the year of 2020 and I would like them removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that America First Credit Union make a goodwill adjustment to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX I had a friend needing a cashiers check cashed because they did not a bank account or a proper ID I deposited the check via mobile deposit. 

Did not try to cash it in bank nor did i give the person money for check because i wanted to confirm the deposit and funds due to fake checks going around XX/XX/XXXX My account says the check is on hold Spoke with the bank and attempted to verify check with bank and the check turned out to be a fake. 

XX/XX/XXXX Entire account is Restricted and pending closing due to submitting the check No warnings, no calls, no emails I had the money in my account to cover the check I did not cash the check as I was waiting for confirmation of available deposit Chase has put a restriction on my account and closing it and all my funds are on the account. I am unable to access the funds until the account is closed and they mail a Cashiers Check with my balance to me. 

I can not withdraw the funds that were already previously in my account and that is what I live off of. 

I did not get a warning or any type of decent customer help for this issue. 

I would of preferred some sort of help from chase and not a immediate closure to my account or instead of immediate closure and holding my funds letting me withdraw my funds before closure. 

This account is my lifeline for survival. I have no money anywhere else, My bills are withdrawn from it and payments are sent to this account. 

So now I have to wait 20 days to get my money and make a new bank account to have my deposits go to. 

Chase should of handled this in a completely different way but instead they XXXX  a poor college kid out of all the money they have in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BTS Motors, LLC
State: TX

Complaint narrative:
Ibe asked several times over a period of a few months to have information properly updated, because the only information reported ; however incorrect is public information and used as such by any private parties.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Please see complaint XXXX. 

As part of the above complaint - providing private information to an unknown requestor, Mr. Cooper charged me XXXX to provide this information to whoever this was requesting my mortgage payoff. 

This fee needs to come off of my account ~

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I went to the bank with my paperwork trying to get a loan for a mortgage. The lady ( XXXX XXXX ) helped me. I went to the class for first-time homebuyers. I gave her my information showing I had taken the class. I found out my paperwork was never processed. She made her own decision to determine I wasn't qualified to purchase a home. She made me pay for a credit bureau report but she held on to my paperwork. I called and asked her to send my paperwork back and she never responded until I sent an email to her supervisor. # XXXX XXXX XXXX AVP Community Lending Specialist XXXX XXXX XXXX NMLS # XXXX XXXX XXXX XXXX XXXX, LA XXXX Thank you, XXXX XXXX XXXX, XXXX. 

My name is XXXX XXXX XXXX, XXXX. 
I can be reached at XXXX email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
i refinanced my house with XXXX XXXX. since then XXXX XXXX  transferred my loan to PHH Mortgage. Since the loan has been transferred i have paid the loan online via their website for the first 2 months ( 60 days ) went to pay on XXXX and i was locked out of the online payment section. website stated i need to contact a customer service rep. i did this and a " Note Amendment '' was required to sign from myself in order to continue to pay online. On XXXX i finally get the " Note Amendment '' and now there is a {$19.00} charger per payment to use their website to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, at approximately XXXX hours XXXX XXXX, XXXX NMLSR ID XXXX sent an email to XXXX. The email account belongs to XXXX XXXX. XXXX XXXX, XXXX coordinated the mortgage contracts require for the qualification of a home loan with the Wells Fargo Mortgage Department. The email XXXX XXXX, XXXX, sent altered the original terms of the agreement Wells Fargos loan officer XXXX XXXX discussed with XXXX. XXXX XXXX, XXXX amended the percentage for closing from 5 % to 10 %. He also altered the amount required to close to {$17000.00}. XXXX XXXX, XXXX requested that a transfer of funds from XXXX 's investment account become available for a cash sweep however, liquidation of the funds would not be required. XXXX complied with all of XXXX XXXX, XXXX 's instructions and requests. 

On XX/XX/2021, at approximately XXXX  hours, XXXX XXXX, XXXX sent another email again altering the previous terms of the agreement. XXXX XXXX, XXXX directed XXXX 's attention to The Closing Disclosure Contract. XXXX XXXX, XXXX altered the amount from {$17.00}, XXXX to {$20000.00}. XXXX requested to end the discussion and speak with XXXX XXXX, the supervisor for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX agreed to end the discussion and inform his supervisor of XXXX XXXX request. 

On XX/XX/2021, at approximately XXXX  hours, XXXX requested XXXX XXXX initiate a formal complaint against XXXX XXXX, XXXX for unethical behavior, failing to exhibit transparency and integrity. XXXX XXXX, XXXX 's inept instructions also cost XXXX additional expenses associated with mortgage insurance and additional funds liquidated from his investment account. XXXX XXXX accepted the complaint and informed XXXX a representative from Wells Fargo Complaint Department would contact him within 24 to 72 hours. 

On XX/XX/2021, no representative from Wells Fargo Complaint Department initiated any contact with 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 2021-04-14 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: IA

Complaint narrative:
EQ is reporting an alleged account from XXXX. I have disputed alleged accounts from XXXX prior and XXXX has been unable to provide any proof of an agreement between myself and XXXX, therefore if XXXX believes there is an agreement with myself this would be a fraudulent agreement as I have never agreed to any agreement of any kind with XXXX. XXXX has failed to provide any proof and the letter they provided as alleged proof was addressed to an address that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: SC

Complaint narrative:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I filed Bankruptcy in XX/XX/2019 but changed my mind and the case was dismissed. Affirm still lists the status on my account as " Debt discharged in bankruptcy '' - I filed a dispute with XX/XX/XXXXand Affirm stated the status was correct. I spent almost an hour trying to pay off the remaining amount with Affirm and at the end of the call they stated that I was in Bankruptcy and would not accept a payment. This is getting ridiculous.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX was taken from my XXXX account via a Bank of America debit card. I have contacted Bank of America more than ten times, the bank has refused to investigate the claim of fraud, then closed the Bank of America debit card account. Bank of America does not communicate with me. I have not received any information relating to the missing money ( XXXX ) As of today there is no information relating to my claim. Today I contacted Bank of America requesting any documentation relating to the fraud claim. The associate I spoke with refused to send the documentation I have requested relating to the missing money from my EDD 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 monetary relief
Consumer complaint received 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of XXXX and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.

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