vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: ID Analytics, Inc.
State: TX

Complaint narrative:
SageStream , LLC Consumer Office XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX Reported a credit score to a XXXX dealership were I was applying for a car loan which was XXXX points lower than XXXX, XXXX, and XXXX. I have tried to contact SageStream but unfortunately no one answers or no one is able to provide a detailed description of what they are basing my credit score on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: WA

Complaint narrative:
I disputed several tradelines with the CRA on XX/XX/2020 that came back verified XX/XX/2020 from Experian. 
On XX/XX/2020 another letter asking was sent for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Experian failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
On XX/XX/2020 I filed a complaint with the CFPB since Experian IGNORED the request for method of verification On XX/XX/2020 They respond back to CFPB saying they investigated it if I have documents to support the dispute to send them in. I called Experian and spoke to XXXX who told me they do not have to provide method of verification and he does not have a supervisor when I requested one. Also, he told me he does not have an id number this was at XXXX XXXX. 
" a description of the procedure used to determine the accuracy and completeness of the information obtained to validate the dispute '' - pursuant to 15 U.S. Code 1681i ( a ) ( 6 ) ( b ) ( iii ) ). 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. ''

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attached is a letter including several unrecognized inquiries, that I complained and requested removal to both the Credit Agency and the Companies. 
They accepted removal and the Credit Agency after weeks is not removing them from my Credit file causing financial damage.

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 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I opened this account on XX/XX/XXXX with the intention of using it as a checking account. I have maintained a positive balance since and have had several transactions since I opened the account. I have been nothing but transparent with your institution and do not agree with the closure of my account. Especially under the circumstances in how it was completed. 

On XX/XX/XXXX I found out that my account had been closed without my permission and without any notification via email, traditional mail or the Wells Fargo banking system. By law, banking institutions may close bank accounts, but they are required to notify account holders so they have adequate timing to seek another banking resource. In addition, a banking institution is required to notify customers when they intend to close their accounts so they can properly transfer their direct deposits. As a result of no notification, my payroll deposit was rejected and I was unable to gain access to my funds which are deposited on bi monthly basis. As a result, I was unable to pay for bills and everyday necessities. Following the call on XX/XX/XXXX, I contacted the branch manager ( XXXX XXXX ) at the same location that I opened my account. XXXX informed me that he looked into the situation and that his representatives at the customer service department couldn't explain why bank account was closed and that there was no logical reason either. His source couldn't explain why the account was closed even if it had a {$0.00} balance for 10 days and stated that other accounts with negative balances over for a longer period weren't even closed. During the past 90 days, it has been difficult near impossible to conduct in person transactions. In fact, it was against the law due to Washington 's Stay at Home, Stay safe order in reaction to COVID-19.

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 2020-06-01 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my 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 2020-06-01 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: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my 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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do not consent to authorize nor benefit the inquires

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 2020-06-01 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: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
This involves an auto loan with credit acceptance corp. In XXXX the vehicle was repossessed. The creditor obtained a judgment and I satisfied that judgement in XX/XX/XXXX. The creditor incorrectly reports an amount past due and incorrectly reports the amount paid on the loan ; this reporting shows an amount past due for the month of XX/XX/XXXX of {$1600.00}.

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 2020-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a bill statement from National Credit Adjuster collecting debt I never own. I am not owing this company or XXXX XXXX or any of their associates any debt. I just received a letter ( ( XX/XX/2020 ) from National Credit Adjuster saying that " is now servicing your delinquent account on behalf of National .... '' I do not have any account with XXXX XXXX. I am not owing this company or XXXX XXXX or any of their associates any debt. I put " Credit freeze '' on my account with the major credit reporting institution to prevent any company from opening any account on my name. I reported to XXXX XXXX XXXX ( XXXX  ), and when confronted, National Credit produced typed " Lender Disclosure agreement '' without ant money transaction record. I rejected their disclosure since I never opened an account with them or received any money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
To whom It May Concern : I am writing to express deep frustration and lack of communication on behalf US Bank regarding a hold or freeze on all my accounts. The bank never communicated this hold to me so I did not learn of it until Sat. XX/XX/XXXX when I went to use my debit card and it would not go through. Since then I have made several phone calls to the bank, both nationally and locally in attempts to figure out what is going on. Every banker tells me I can only speak with the e-fraud dept., specifically with a person named XXXX. Contact details for the e-fraud dept. are hard to come by and XXXX has not answered her phone. I've left two voicemails. 

What I have learned through my many phone calls to the bank is that XXXX in the e-fraud dept. put a hold on my account Fri. XX/XX/XXXX before she left the office for the weekend without telling me. Therefore, I have not had access to my money since the evening of XX/XX/XXXX and have not been able to get a hold of XXXX and was told from US Bank that no one else could help me but XXXX in the e-fraud dept. Come Monday, a normal bankers working hour, and she has not contacted me or returned any of my phone calls. Some bankers tell me XXXX was prompted by my local bank branch to put a hold on my account, but when I call the local bank, no one knows anything about the situation. 

I do not think it is right for the bank to put a hold on my money without conversing with me. I also do not appreciate the long duration of no communication. While I understand people to be busy with multiple business concerns, this is not an acceptable excuse to not give me access to my money without contact. You are an institution housing my money. While I appreciate the service I worked for my money and do not appreciate being blocked from it, especially without explanation. 

I am looking to hear back and quickly please as I have no access to my money for general living expresses, much less to have any fun. 

Thank you, XXXX 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 2020-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Subject : Care Act - Deceptive Forbearance Mortgage Practices by Carrington Mortgage. 

Carrington Mortgages Services, LLXXXX. are engaging in deceptive forbearance practices. 

Carrington Mortgages Services XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, CA XXXX United States Approximately 2 months ago I called Carrington Mortgage LLC that presently holds my VA Mortgage Loan to ask for assistance with my mortgage loan due to the financial national turn of events caused by COVID Virus. 

They agreed to a forbearance relief, and originally told me over the phone that my mortgage payments would be placed at the end of the loan. 

The original agreement was for only 3 months but they would be there to assist if I required more assistance. 

Again, I agreed. 

Most recently, last weekend after I checked my physical mail and I noticed that I had received a letter from Carrington, they illustrated that I was late on my payments. 

I tried calling them XX/XX/2020, which was the following day but their offices were closed. 

On the XXXX which was that following day, I finally got in touch with them and I was told the truth about this scam. 

On this call to Carrington Mortgage, I was told though I was on a forbearance the payments are accumulative and were to be paid in one full lump sum. 

I have no idea where to turn to, please assist. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VETERAN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX  intentionally refused to send debit card connected to checking account while I was a visitor in XXXX. Caused me to lose apartment approved for. etc

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 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
For over 2 months I've been trying to resolve an account issue with TD Bank. Please refer to CFPB Complaint ID XXXX - XXXX filed on XX/XX/XXXX. After this complaint ( also submited to XXXX  ) I received a response from the Bank stating that they will proceed to release my funds after I let them know in which way. On XX/XX/XXXX I contacted Mrs XXXX XXXX at XXXX after trying for almost a week leaving messages and expecting a call back. At that time I agreed with Mrs XXXX that my funds for a total of $ XXXX.- would be inmediately released in a form of a check send to my physical address and the account permanently closed. Two weeks after this call and the promise that would take " only a couple of days '' I still waiting for my money. Phone calls made to this lady and messages left haven't took me anywhere. This funds are from my Social Security direct deposit and have placed me in a situation to where some of my debts been left unpaid and charges being accrued. At this time they have kept my money for over 40 days and I expect to be compensated for this disruption against my will and good faith. My closest Branch it's about 50 miles away and since my Account still holds the status of " frozen '' I'm unable to do anything else in my power to have what belongs to me. 
Truly hope that CFPB and XXXX  will help me disburse this Bank practices and prevent future potential clients from going through this unfair and truculent procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX and Central Portfolio Control Inc. tried to collect a debt from me that I didn't owe. I sent over the creditors validation letter neither one of them Validated the debt in order to prove they were capable of collecting the debt in the 45 day allotted time given by the ( FDCPA ) Fair Debt Collection Practice Act. In fact, XXXX XXXX XXXX XXXX didn't answer back to my letter I sent them. Accordingly, to the Law when a collection company doesn't answer back with in 45 days they most stop all collection efforts and removed themselves from my credit report from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
The company Ally Financial claims I have a delinquent payment history with them and I still owe over {$1500.00}. In 2016 the car that is in this claim was in an accident. It was considered a total loss by the insurance company. I received the money from the company and fixed the car. Ally sent me the title to the car. Then I traded in the car to XXXX XXXX in XXXX Va on XX/XX/2016 with a clean title. I did not owe any money on that car.

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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC
State: CA

Complaint narrative:
Banking does not allow me to connect card to online platform I use to invest. I use the application etoro  which is powered by XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX  XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00}

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 2020-06-01 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX  XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00}

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 2020-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: CO

Complaint narrative:
In XX/XX/XXXX I ran a credit report for myself and noticed a collection from Midwest Recovery System ; collecting {$650.00} for XXXX XXXX XXXX. I took a payday loan from XXXX XXXX XXXX in XX/XX/XXXX, and paid in full on XX/XX/XXXX. I have had this account pop on and off of my credit report for the past few years ; and in trying to contact Midwest Recovery System I have received XXXX  replies from email correspondence and been hung up on when contacting via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not consent to authorize nor benefit tge inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I refinanced my loan with Freedom mortgage in XX/XX/XXXX. In XX/XX/XXXX I received a notice stating there was a shortage on my escrow account. Upon review of my documents I found there was {$580.00} that was was withheld for taxes in escrow, and only {$250.00} was applied towards the new loan. In addition, there was 2 fraudulent fees charged to my account AFTER the close of escrow, and were not disclosed on my final closing disclosure. There was a {$170.00} recording fee charge ( this is a duplicate charge as the recording fee of {$150.00} was paid through escrow ) on XX/XX/XXXX, and a final {$190.00} charge on XX/XX/XXXX with no description just states " fee ''.

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