vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. 
I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-12-29 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:
The information listed doesnt belong to me.

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 2020-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Greetings, My mortgage loan originated on XX/XX/2020, with an Unpaid Principal Balance of {$230000.00}. However, LoanCare 's system shows that they have arbitrarily increased by UPB to well over $ XXXX ... Why? Why are you applying my payments to a higher UPB? Pull the Note and they can confirm the UPB. 

Please have my UPB updated correctly AND reapply ALL payments received and applied to the account thus far to the corrected UPB amount, with the correct effective date. Please request that they provide a formal response of their findings, and confirmation of the corrections. 

I have attempt to call their office to get this corrected ; however, the automated system leaves me on hold for long periods of time with no answer .... then hangs up on with. 

Attached is screenshot so you can see what I am seeing as well. 

Also- MY TAXES ARE PAST DUE from XX/XX/2020. When will they disburse for taxes ou of my escrow 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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I applied for a XXXX credit card on XX/XX/2020, was told that I don't have any existing credit account on my Equifax Account. I have checked with all of my credit issuers, and they're indeed reporting to Equifax. 

I called Equifax on XX/XX/2020, and was told the same thing and to fax/mail my documents to verify my identification, and was told that it should be received within 3-5 business days. 

I faxed over my SSC and DL on the same day. In fact, 3 copies in case one of them is lost. 

On XX/XX/2020, I called back Equifax 2 times to check the status. The first call confirmed the documents are received on XX/XX/2020, but the call was hung up later. The second call got escalated to a manager, who also confirmed the documents are received and read me my cover letter of the fax ( which is correct ), but they can't help me at the time because it was late and the specialists of the relevant department are already off work. I was given a confirmation number XXXX and told to call back again the next day. 

I called again on XX/XX/2020. 3 times in fact. None of the specialists who picked up the phone says they can find my document ( the one I faxed over ) nor the confirmation number that was given to me. Explanations were not provided and 2 of the calls were hung up. 

It is absurd that Equifax asked me to fax over my documents again when they have already received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I closed on a refinance on XX/XX/2020. The title company XXXX XXXX XXXX submitted payment for taxes in the amount of {$2300.00} and it has since been posted to the XXXX county tax assessor. The current lender NewRez ( ShellPoint ) also paid my taxes but when we contacted the county they advised that the lender 's payment was rejected and return via Batch number XXXX. Title and I have wasted many hours on the phone trying to get this resolved and my monies returned to me but we never hear back. My last call was on XX/XX/2020 with title and a New Rez Supervisor and they said they would personally call us back in 2-3 days and still nothing. It has now been over 2 months and with no resolution in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting the following items inaccurately. Can someone please look into this? Thank You ACCOUNTS XXXX XXXX XXXX  XXXX never late XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized US SM BUS ADMIUN ODA XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized

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 2020-12-29 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: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
OnXX/XX/2020, CAVALRY PORTFOLIO SERVIC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAVALRY PORTFOLIO SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: IL

Complaint narrative:
Equifax is reporting the following items inaccurately. Can someone please look into this? Thank You Accounts XXXX XXXX  XXXX  XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized EQUIFAX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
For the past 5 months, I have been trying to get my title from Ally Financial for a car that I financed through them. According to Ally Financial, they issued my car title to a car dealership in XXXX North Carolina called XXXX XXXX  XXXX after this car dealership requested the payoff. Hard to believe that a car dealership had my loan number and VIN number to make this request, it seems like they are running some kind of a scam if you ask me. According to Ally Financial, they have issued the title to my car for a payment of {$38.00} from XXXX XXXX XXXX, after I have paid $ XXXX in payments to Ally. Definitely looks like some type of fraud taking place between these two organizations. Ally has sent me a notarized letter of release of lien but the state of California will not issue title because XXXX XXXX XXXX has now taken a lien against the car. So now I have a car that I can't sell or drive because XXXX XXXX XXXX has liened the car out, if the car is totaled in an accident they would receive value of the car. 

XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX NC XXXX. 

The title rep at XXXX XXXX her name is XXXX, phone number XXXX, according to XXXX the company doesn't have my title. If you didn't have my title and VIN information how could XXXX XXXX be able to put a lien against my car. 

It is my belief that the Ally and XXXX XXXX have a scam going on, allowing XXXX XXXX to borrow funds against cars that they don't own.

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 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX has a collection of {$1800.00} on my report which has been disputed. I have no knowledge of this 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 2020-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XX/XX/XXXX, Congress passed, and the president signed into law, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, President Trump directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the secretary of education extended the emergency relief measures for ED-held student loans until XXXX XXXX, XXXX. 

In contradiction to federal law, Navient is forcing me to make payments during this extension period and possibly reporting on my credit files as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have had several conversations with PNC regarding how to set up overdraft protection of my accounts. On XX/XX/20, I spoke to XXXX who indicated that my mortgage account did not have any overdraft protection, directly contradicting my previous conversation with a PNC representative ( approximately XX/XX/20 ) in which I was told the mortgage account had overdraft protection added. Each time I speak to a PNC representative regarding this account, I receive different information about which how the accounts are set up. PNC has failed to follow my instructions multiple times. I asked XXXX to listen to previous recordings on this matter, and she claimed there was no way for her to look up this information. This poor communication has resulted in an economic loss as my mortgage company has charged me a {$50.00} NSF fee, and they require a statement for PNC to reverse this charge. PNC is refusing to give this statement, and they are avoiding investigating this matter fully by listening to previous recordings with CSRs which would corroborate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I sent MEDICREDIT, INC a debt validation letter on XX/XX/2020 and they sent back a letter on XX/XX/2020 saying they need additional infromation as they are currently investing the matter. I sent them my name and address and I have yet to hear anything back from them.

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 2020-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Made a transaction on a mistake to the wrong person. The company has refused to proved a refund are investigation request in violation of the Fair Credit Billing Act. Please consider this notice also as a : NOTICE FOR DEMAND OF ARBITRATION TO : Square, Inc. % Cash App, XXXX XXXX XXXX, XXXX XXXX, California XXXX ATTN : General Counsel To the company, although this is not a certified letter request this is sufficient due process notice of my intent to either seek arbitration are file a complaint in federal court are some other legal remedy if this issue can not be resolved. Thank you and have a great day. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I have two prepaid visa gift cards that l'am have trouble getting replaced. Some charges were made with out my authorization. the first charge I made later to find out the company was a f fraud.for the amount of {$190.00}. I contacted the company by email to see if the could help. They said I need to fill out a complaint form and I did with all the required paper. Which I know is my fault but wanted to see if they could help. But in the meantime another charge was made without my consent or the sum of {$140.00} .I recontacted the company filled out paperwork emailed it back to the company with all the documents they wanted they said it could take up to 90 days which I understand well the 90 days is coming gone. I have received several emails saying the case has been closed that I should receive the cards in the mail in 15 days that has come and gone. I also have a credit card that had a balance of {$8.00} on it that was removed also without my consent and when I contacted the company filled out more paperwork for that card and got the same results 15 days. I have a lot of emails from this company but I can't upload everything because it's only 10 MB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Trying to get refund to original form of payment from Citibank visa for a charge for XXXX XXXX tickets for XX/XX/XXXX thru XXXX. This flight was cancelled by XXXX XXXX not by us. Citibank refuses to refund or let us appeal. We will lose {$2000.00}

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 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I reached out to this company because I saw their name was listed on credit report and I wanted to try to rectify this instead of taking Bankruptcy. Upon calling Absolute Resolutions, I realized and was informed that another company is managing the debt and they are simply recording the information to my credit bureau. They stated that XXXX  XXXX  at XXXX is managing this, but I have never received any communication from XXXX  XXXX  or from Absolute Resolutions in reference to this debt. In an attempt to try to settle the debt for {$1000.00} XXXX XXXX stated that Absolute Resolutions would not accept this offer. This is highly confusing to me. I never received anything that stated anything about this debt. I never got informed who to contact or call. Even when I spoke with XXXX XXXX, they did not even know my mailing address and throught I still lived in XXXX XXXX, FL, which I have not lived in for over 5 years. 

I really wish to settle, close, and have this collection removed from my credit report. If Absolute Resolutions has done something illegal in this endeavor, they need to zero out the account and remove this from my credit report immediately/ The offer is valid for {$1000.00} and I will not offer a XXXX more. Absolute Resolutions must handle this debt and a 3rd party of a 3rd party is not going to be acceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XX/XX/2020, I XXXX XXXX purchased an XXXX XXXX XXXX from XXXX XXXX XXXX in the XXXX, Texas metro. They seem to have me approved with multiple lenders ( XXXX XXXX and Ally Financial ). I chose Ally Financial due to the terms of the loan. I put down a down payment of {$7000.00}. Everything was going good until Ally financial started reaching out to individuals not in my family network in XXXX. All of the payments have been made through their app. In XXXX they contacted my step mom ( never had her information ) then in XXXX my step uncle XXXX XXXX and asked for his SSN and Bank info. They then called my brother who is XXXX year old XXXX XXXX and now today they called my immediate boss. None of these people are listed on any contact of mine. I have asked them since 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 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I was contacted by Wakefield and associates on behalf of XXXX XXXX XXXX regarding a bill for {$170.00}. The bill is dated XX/XX/XXXX. I was first contacted by phone XX/XX/XXXX. this contact was made by Wakefield associates and I explain to them the bill is not me. Ive never been two or heard of the people they represent. At the time theyre claiming the service I was hospitalized at XXXX XXXX in XXXX Illinois with an XXXX after a XXXX  XXXX on my left hand. I was at XXXX for three weeks. It is impossible for me to even been where they claim to generate the charge. I explain this was identity fraud and they were not willing to help and correct their problem. I have fraud alerts and all three credit bureaus dating back to XXXX. Wakefield associates has refused to correct their records. That is why I am filing this complaint on top of my alerting all three credit bureaus of the new fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: IL

Complaint narrative:
I disputed innacurate accounts reported by your company in the file you maintain Under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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