vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX, Inquired on XX/XX/2019. 
XXXX XXXX XXXX, Inquired on XX/XX/2019. 
RELIABLE CREDIT ASSC I, Inquired on XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: American Credit Acceptance, LLC
State: WA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX, Inquired on XX/XX/2019. 
AMERICAN CREDIT ACCEPT, Inquired on XX/XX/2019. 
XXXX  XXXX  XXXX  XXXX, Inquired on XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB America continues to report erroneous information to credit reporting agencies in violation of the FDCPA. I have contacted USCB several times ( XX/XX/21, XX/XX/21, XX/XX/21 ) and they have not verified or removed the medical collection items from my credit report. This is causing HARM to my family as I can not secure credit. By not removing false information, they continue to be in VIOLATION of the FDCPA. I have provided USCB America with proof of my identity and have given them 30 days to verify the disputed debt, but they have failed to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
Did a refinance but the payoff was incorrect. Attempting to solve the problem, it went past the late payment date, normal. The amount the late fee they are trying to charge is {$52.00} on the Unpaid Principal Balance of XXXX. After citing guidelines, they have refused to adjust the payment to the correct percentage of the unpaid PITI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I've filed multiple disputes on an account that is inaccurate on my credit report with the credit bureaus, however they continue to report that the information has been confirmed as accurate by the collection agency. I've requested from Fidelity Crd to verify the information that they are reporting is in fact accurate, however they have failed to provide me with anything. As many times that I've disputed the account, advising of inaccuracies between the reporting of different bureaus, XXXX XXXX XXXX XXXX Type, request for FCRA Compliance Date and Date of First Delinquency/Last Activity, I haven't been able to obtain the information. The FCRA states that if an item is reporting on my credit report, that item must be accurate and verifiable. Fidelity Crd has failed on both of these instances. The Credit Bureaus have also failed their duty in " Conducting a Reasonable Investigation '' as they were made aware of the issues regarding the account. During my research, I've found that " Parroting '' isn't a legal way to conduct an investigation. When I requested the credit bureaus method of verification and to review the documents that they have physically reviewed to confirm the accuracy, they blatantly ignored my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX of XXXX, I took out a mortgage in the amount of {$360000.00} at 4 % with my father in law. My father in law unexpectedly passed away in XXXX of XXXX. I only make around {$49000.00} annually and have struggled to pay the {$2100.00} per month mortgage because my take home pay varies but is always no more than {$3100.00} per month. After I pay the mortgage I am left with less than {$1000.00} per month for all of my other living expenses. 

I submitted a request for a loan modification to Wells Fargo. I am hoping for a lower interest rate so that my payments are more affordable. Wells Fargo 's answer is to extend my mortgage to add an additional 40 years onto the loan!!! So rather than helping me solve my issue, they are acting in a predatory manner. Accepting a new loan for an additional 40 years after I have already paid on the loan for 4 years is XXXX  Wells Fargo stands to make an additional $ XXXX in interest on my loan if I accept the terms of their " help. '' This is ridiculous. They refuse to help me except to offer terms which are conducive to them XXXX me and making over {$100000.00} off of a XXXX XXXX XXXX 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 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: SC

Complaint narrative:
I submitted an application to refinance my personal home mortgage. Wanted to take advantage of the lower rates and refinance for 15 year term instead of the curent 30 year term. I have excellent credit, a good job, plenty of cash in a savings account, and more funds in a XXXX I have very little personal debt. No credit card debt and one car loan for approx. $ XXXX. 

After submitting all of the documentation, I was told my loan was approved and just waiting to schedule closing. I sent several emails inquiring about the closing date. I travel frequently for my job and wanted to schedule closing so it did not conflict with my work travel plans. 

XXXX has so many loans to close, they basically didn't have time to get my loan closed. Now they claim the rate lock has expired and I need to lock my rate again, of course it will be higher. It's not my fault the rate expired, they caused the delay. I feel that they should honor the original rate and I should not be forced to accept a higher rate due to their delay. 

I don't even know if they would have told me. I just kept emailing them and asking about when the loan could close, magically the rate needed to be locked again. 

I can provide any documentation that you need. I have all the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent a dispute letter on XX/XX/2021 and I have not received and response from anyone, ( Dispute Item ) Claimed Amount Owed ( Insert Dollar Amount ) XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$9300.00} XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$840.00}

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 2021-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I was notified by a third party service that my account was closed. I havent used the card recently and when I called to find out whats going on I was told to call XXXX. They would obviously have no idea why the account was closed. When I spoke to a XXXX she said it had to do with my outstanding balances on other cards and my mortgage hasnt reduced this year. My family and I were affected by XXXX and our mortgage is in forbearance. My credit card debt did go up a bit around XXXX but Im making my payments and I just made really large payments that havent been reflected on my credit report yet. I personally dont think this is fair and Im really angry I wasnt notified by synchronyBank. Im not XXXX the card, Im not making an excessive amount of disputes or really anything to be considered a bad customer. Im terrified that my other accounts with SynchronyBank are going to get closed and no one at the customer care centers can help. Ive spent so much time trying to talk to someone and no one has any idea what to tell me. My payment history with the company is great and I rarely carry balance on these cards but closing the account hurts my credit unfairly.

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 2021-03-26 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I checked my Equifax score it was XXXX I checked it again 4 days later ( I have paid off bills and I am waiting for them to hit my credit report which at this point they had not ) NO significant change happened in those 4 days yet my score dropped XXXX points. And I can find no way to contact them directly to ask them why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
Robinhood intentionally imposed barriers to transferring assets out of their accounts. They stopped a transfer of assets out of my account and provided no notice or explanation. I had to cal the receiving company for an explanation because Robinhood customer service is useless. There is no live support and they only send emails which take days and are not responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial
State: NC

Complaint narrative:
I noticed a charge that was debited out of my bank from Preferred Lease in XXXX, TX. someone had purchased furniture TWICE in XXXX, IL. I put a stop payment on both charges and I also filed a dispute through XXXX I received notification from XXXX that the account " the account belongs to me ''. I live in XXXX, NC, where I've been ALL my life. I have tried to contact Preferred Lease numerous time and the information they provided was erroneous. I need this XXXX charge OFF 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 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renton Collections Inc.
State: WA

Complaint narrative:
On XXXX XXXX, 2016, RENTON COLLECTION added a derogatory mark 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. 
Signature for this account debt at all. 
Please provide me with the following. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noticed reporting chase in my credit report. 
I disputed with them, and their collections companies they hired all collection companies and Chase failed to provide documentation verifying the debt. 
this. problem has been happening for 1 year. they have failed to provide documentation neither delete the accounts. 

By law statements of a bill or a print out of a bill does not constitute verification of the debt. chase has failed FCRA & FDCPA law. Also failed to mark the account disputed within not within 30 but never. 
Please help me clear this matter with them before filing locally to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Sir I already attached the all documents please be verify XX/XX/XXXX New balance. {$54.00} Charge of account interest. {$280.00} Late fees. {$39.00} Transaction date XX/XX/XXXX Post date. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
My XXXX XXXX XXXX suffered catastrophic engine failure in XX/XX/XXXX. I need a copy of my loan satisfaction letter from Kia Finance XXXX so that I can clear the title and sell the car to a company that made me an offer for it. Over the past month, I have made numerous calls to Kia Finance and was promised that they would send me a copy of my loan satisfaction letter, however, at this writing, I have not received it. I tried e-mail also and received no response. I also tried to get our Kia dealer to help to no avail. I would like a copy of my loan satisfaction or an explanation as to why I can not get one. I am emclosing a copy of the title with the lien attached and the vin number. Thank you in advance for your help in this matter

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 2021-03-26 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: FL

Complaint narrative:
These accounts and inquires are not mine. Its identity theft. Someone used my personal information. I am very distressed that due to Identity theft, bureaus have included the below information ( accounts and inquires ) in my credit profile and have failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports they publish. I can not understand why this misleading info is still reported in my credit profile and why I have to suffer due to this fraud? Please help me and apply investigation as I can not handle that anymore! I want you to help me and delete these accounts and inquiries. 

Thank you for understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I discovered upon checking my credit that my mortgage servicer ( Mr. Cooper ) has been incorrectly reporting to credit agencies that I am behind on my mortgage. Upon investigating, it appears they had taken my payments and wiring them out of my account into someone else 's account without instruction or authorization, or explanation. They initially did not provide an explanation of this, and I have spent over 2 weeks so far trying to get my money back, and late fees refunded. They manage the They have admitted to wrong doing on their part and that the mistake was theirs. Despite me flagging this as a problem, they continued to report derogatory data to credit agencies. I asked them ( on a recorded line ) whether I need to write a physical letter to them to serve as a " Qualified Written Request '' per RESPA section 6, and they assured me no, a phone call is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In mid-XX/XX/XXXX the bank froze my accounts ( checking and savings ) and confiscated all my funds ( {$16000.00} XXXX and have refused to discuss their actions with me. I do not know why they took this action but in working with the Assistant Manager of my local branch it appears it has to do with a former client of mine ( I am a XXXX XXXX ) and all the wrong doing, if any, was done by that client. We can discover no wrong doing by me. The bank refuses to discuss their action with me. The Assistant Manager has sent at least 5 inquires to the " higher ups '' asking that my accounts be unfrozen, but has not recent a response. The bank 's Fraud Resolution Group has sent three messages to the office who imposed the freeze and they to have not received a response. I have made two written submissions to the bank setting out all the details of my former client 's actions. I have not received any response. 

In addition the XXXX Federal Stimulus monies ( {$1200.00} total for my husband and I ) were sent to our joint account at the same bank by the IRS. The bank has retained the funds and has refused to release them to us or to refund them back to the IRS. The bank gives no reason for this theft of our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc
State: IL

Complaint narrative:
I received a threatening phone call from Stuart-Lippman and associates , INC Located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXXXXXX XXXX XXXXXXXX. Telephone number XXXX XXXX, regarding a outstanding debt of {$3800.00}. I was never notified by the original insurance company of an outstanding balance. After I contacted them that the insurance company stated that the balance was {$3000.00}. This is an insurance that was provided by XXXX XXXX XXXX XXXX XXXX for malpractice insurance. I have been receiving harassing and threatening phone calls from this debt collector. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: MA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation