vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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: NC

Complaint narrative:
I am XXXX XXXX XXXX and have recently been diagnosed with XXXX. When completing an application to lease a new apartment, I found that a security freeze had been placed on my account at Equifax without my knowledge. 

I enlisted my daughter 's assistance to help remove the freeze online on XX/XX/2021. Though I responded to all questions correctly, I was directed to call Equifax. I called Equifax on XX/XX/2021, responded to all automated questions correctly, but, despite the original freeze options offered XXXX add freeze, temporarily lift, or remove freeze ), was only provided the option to add the security freeze to my file. The freeze, which was already on my account, was confirmed as successful and I had no opportunity to make any changes or select any other option. 

So, I then called Equifax again on XX/XX/2021 to attempt to remedy the situation. I spoke to a representative and her supervisor, but I was advised to call back to go through the automated system once again or to mail a copy of my social security card and driver 's license to their office. I do not feel comfortable sending copies of this sensitive information through the mail ( or to this agency that does not seem to have accurate information on me ), so, as directed, I called Equifax again on XX/XX/2021. I responded to the automated questions and was again directed to call them back. 

Quite frankly, I feel that I am caught in a loop that I did not create -- and that I am unable to resolve. Any assistance that you can lend would be most appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
Hello I am trying to get help for a mortgage home loan release that was satisfied by the former owner who I bought my house from in XXXX. The mortgage was held by GMAC mortgage services but they never filed that the loan was satisfied, But it shows that it is satisfied in the electronic mortgage system. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 

I contacted PHH Mortgage Services who took over GMAC loans in 2013, but they did not all loans that were paid off prior to 2013 did not transfer to them but dissolved when GMAC filed for bankruptcy. In fact, no predecessor company has this loan. 

I am now selling my home and was to close on my house tomorrow but the title company is refusing until I can obtain a lien release. I contacted the FDIC who told me to contact your department. She told me that there were funds submitted by GMAC during settlement to handle things like this but perhaps there are other ways you can help me to resolve this situation in a timely fashion as I may loses the opportunity to sell my home to the buyer I have. Please let me know what can be done and if I can get a lien release? 

Warm regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Not Legal Validation & Re-ageing Debt I wrote XXXX regarding Portfolio ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. XXXX is refusing to remove an account that the original which is Portfolio RC refusing to Validate. XXXX is in violation continuing to report. 

Also the debt was Re-Aged by XXXX by XXXX which is a violation according to the FRCA. Debt should be reporting accurately with factual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. Had Knowingly and intentionally posted false negative information on my credit report, that FALSE information had impacted my credit score claiming that I owe the amount {$320.00} to a company named XXXX  XXXX XXXX XXXX, which I had never had any business with or ever contacted in my life. I called Congress Collection, spoke to XXXX 's account manager, who and requested this issue to be resolved. Congress Collection has Just been taking me in circles to force me to pay for something I do not even owe. When I asked XXXX for details, her answer was always, I don't know, that's all I have. Account Name : CONGRESS COLLECTION Account XXXX Account TypeXXXX XXXXl Date XXXX Status XXXX account. {$320.00} PAST due as of XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. This is violating my XXXX rights, and under XXXX I'm entitled to every single document prior to posting any negative item to my credit report, notwithstanding the fact that due to the COVID-19 epidemic, creditors are required to be more careful about verifying information prior to reporting delinquent incidents to credit bureaus. Congress Collection assuming that all they have to do is mail you a statement and you will pay immediately, no need to know who you owe what and why which is a clear violation of consumer rights to receive enough explanation about the charges. This was clearly an error from the XXXX XXXXXXXX XXXX XXXX, who solicited my information from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This problem has been going on for years and the employees have been disrespectful and unprofessional. I have said to them don't give me a courtesy refund fix the problem but they insist on giving me a courtesy refund. The problem still exists and now they are saying the only option was a refund. They have been moving the transactions, withholding debt card payments and then assessing fees, transactions that never were pending on the account. They are added to the account with a fee over a week later. A merchant fraudulently submitted a request for payment with my wife 's stolen debt card information and we followed the procedure and the bank still paid the merchant and refused to give us the proof they provided to show the transaction was not fraudulent. I have been monitoring my account and I see the bank has the ability to move the transactions around to fit the window so that they can claim the transaction was late. Just recently they added the fee amount to my account and then added the fee. I feel that I have been discriminated against by the bank and it's employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: MI

Complaint narrative:
I am a victim of identity theft and accounts were opened fraudulently, I contacted Experian and they told me to complete some sort of report, which I did. After waiting for 3 weeks, they have received it and have not done anything and continue to give me the run around. I need help and not sure where to turn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX IS REPORTING A MEDICAL BILL ON MY CREDIT. THEY ARE NOT REPORTING WHO THE COLLECTION AGANCY IS. THEY HAVE NO NAME LISTED FOR THE CREDITOR TOO. I HAVE MAILED OUT SEVERAL LETTERS ASKING FOR THIS ACCOUNT TO BE REMOVED. THEY REFUSE TO MAKE THE CHANGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My Wells Fargo account was closed with XXXX in it. Because I received my ppp loan itnto my account. 
Still have no received my funds from closed 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 2021-04-30 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: BC SERVICES, INC.
State: UT

Complaint narrative:
BC Services Inc is reporting a debt on my credit file that I do not owe. I noticed this collection reporting on my credit file and this is not mine. I am a trucker and my truck got totaled from an accident, I had to go to the hospital and get looked at. Insurance should have covered the total amount and I was told I had to pay nothing out of pocket. When I received a statement saying I owed {$1400.00} I called them and told them this was being covered by insurance. They said they would be looking into it and getting back to me. To this day, I have not heard back but nice enough I was sent to collections. BC Services also did not give me a 30 day right to dispute. That is a violation. This needs to be removed immediately from 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 2021-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I have never signed a HIPPA release form with the alleged creditor ; CCs Collections- Lab Corp.Therefore these are inaccurate and are HIPPA violations

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A few weeks ago, I disputed a XXXX charge to my Bank of America debit card in the amount of {$40.00}. My reason for the dispute was because I had cancelled the ride and, therefore, did not use their service. The Bank issued a credit while they investigated my dispute. Yesterday, the Bank debited my card for the {$40.00} and when I called to find out the reason, they said they had not received a response from XXXX and was going to go ahead and charge me the {$40.00}. How can they charge me the {$40.00} because they did not get a response from XXXX?! Also, I still havent received any response from another complaint ( # XXXX XXXX against them, and now this issue has arisen. I am going to close my account with Bank of America because they are no longer acustomer/consumer-friendly institution, but I need these issues resolved first before I can move forward.

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 2021-04-30 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: MI

Complaint narrative:
I have tried contacting Equifax about fraud accounts on my credit. They told me to fill out some form and I did and to mail it to them. I did and they have nothing. I do not know who else to help me but can someone please help with these fraud accounts, I am being contacted by people companies that i do not no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I initiated a mortgage refinance application with NewRez LLC in XXXX of 2020, after several months and many submissions and appraisal expenses they failed to provide the refinancing as promised ... and at the promised rate.. 
I was sent several messages indicating the loan was approved but after working with the 8th different person they informed me two weeks ago that I needed to bring {$18000.00} to closing if I expected the rate which was " locked-in '' in XXXX of 2020..or to approved a rate hike.. 
In the end and after almost 6 months, I withdrew as I need to get the refi accomplished.. 

I think this was very underhanded..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I PULLED MY CREDIT REPORT AND SAW THAT A COMPANY NAMED JEFFERSON CAPITAL SYSTEMS SAYS I OWE XXXX. I HAVE NEVER HAD A XXXX CARD. I AM ASKING THAT THEY REMOVE IT FROM MY FILE. THE ADDRESS THEY HAVE ON FILE IS NOT MY ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: NV

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 2021-04-30 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting a ridiculous debt on my credit file that must be removed. I recently talked to the XXXX XXXX XXXX who has been handling my account and they said they're sending me to collections over {$0.00}. I have no idea what this is for, and I am more than willing to pay {$0.00} cents but when I call Express Recovery they say I owe way more than I do for this account. When I spoke to the XXXX XXXX XXXX they said that all of my accounts with them are in good standing and that nothing in the last 2 years has been sent to Express Recovery. I have no clue what is going on here. I ask that Express Recovery remove anything from my credit file regarding this account, it is erroneous and I'm more than willing to pay the {$0.00} owed on this account but I need this validated to be. Please be advised that reporting invalidated debt on my credit report can constitute fraud under both federal and state laws. This is absolutely ridiculous please delete.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Complete Credit Solutions, Inc.
State: CA

Complaint narrative:
This complaint is related to existing complaint # XXXX, and its a revision to complaint # XXXX. Complete credit solutions outsourced a debt collection to XXXX XXXX XXXX XXXX on their behalf, I attached the original collection letter that was dated XX/XX/XXXX. 

I have listed the 3 problems below!

1. As you can see in the letter it has complete credit solutions listed as the current creditor. Complete credit solutions has never lended me credit, they are a debt collector not a credit lender.

2. I have attached the debt verification letter that I sent back to XXXX XXXX XXXX XXXX and Complete credit solutions on XX/XX/XXXX. NO VERIFICATION WAS EVER COMPLETED OR SENT by either company which is documented in the original complaint # XXXX. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) clearly states after ignoring a written request to verify the debt which they have 30 days, they can no longer continue to try and collect on that debt.

3. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) also states after receiving a written dispute the collector must stop collecting on the debt until verification is received. Complete credit solutions also violated this act by reporting a negative debt on my credit reports on XX/XX/XXXX. 

I spoke with a woman this morning XX/XX/XXXX from complete credit solutions via phone call. She confirmed that they were using XXXX XXXX XXXX XXXX to collect this alleged debt for them, this means the same rules and timeline that apply to XXXX XXXX XXXX also apply to complete credit solutions. XXXX XXXX XXXX XXXX has still yet to respond to CFPB complaint XXXX regarding this matter, which they are legally obligated to. Complete credit solutions and their hired partner XXXX XXXX XXXX XXXX have broken multiple rules and are continuing to act as if they are immune to the law.

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 2021-04-30 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/21 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. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
Midland Funding, LLC, committed multiple violations in the collection of debts ; - I was sued by Midland Funding, LLC, without providing required Original Account Level Documentation ( OALD ), filing false affidavits, and without notification of the lawsuit. On XX/XX/XXXX, I was sued for the amount of {$4200.00} and on XX/XX/XXXX, for the amount of {$2300.00}. On XX/XX/XXXX, I then requested by Certified Mail that Midland Funding, LLC, provide me OALD to verify both debts which Midland Funding, LLC, failed to respond. 

- Midland Funding, LLC, then attempted to seize my property on XX/XX/XXXX, by placing an order for garnishment of wages. On XX/XX/XXXX, and on XX/XX/XXXX, attempted to seize personal property by recording judgment liens. 

- Midland Funding, LLC, on numerous occasions used communication tactics of verbally abusive phone calls, making false statements, misrepresentations of the amount owed, and threatening to take negative legal actions they had no right to take. 

- Midland Funding, LLC, continues to falsely report to all three Credit Bureaus even after I made multiple disputes in writing that they refused to properly investigate. This has significantly damaged by Credit Score, resulting in me being denied on mortgage refinancing loan applications. Attempted to resolve matter over the phone where Employee demanded {$7200.00} be paid immediately or threatened further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Received a ppp loan to my chase account, shortly after receiving the loan chase froze my account thinking it was fraudulent. They have never contacted me about the issue nor have they been answering the phone or trying to see my paperwork. I received the loan XX/XX/XXXX account has been frozen since the XXXX and now theres a dda debt charge to both account for all the money in both account and they still have yet to contact me personally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I opened a Chase Amazon credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX ( unknowingly to me at the time ) took it upon themselves to automatically update the new Chase Amazon card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the Chase account after the balance had been paid. In my mind, the Chase card was zero balance and not currently being used by me. What is even more unfortunate is that Chase never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called Chase a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.

Company response to consumer: Closed with explanation