vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: PA

Complaint narrative:
On XX/XX/2021 I received many phone calls to my cell phone from The General Revenue Corp. I was finally able to answer one call and reached XXXX ( I am not sure if that is the correct spelling of her name ) ; however, she is a collector and I advised her that my phone number ( XXXX ) had been dialed two times to her and I speaking and that it was a violation of the FDCPA. I advised that the times that I was called were XXXX, XXXX, and then at the time that I was speaking with her which was at XXXX. She became combative and defensive and made me seem as if I was a liar. I advised that I would be able to supply proof of it and requested to speak with a supervisor. I was transferred to a senior representative that has manager capabilities. He did not provide his name when asked but he did provide the complaint numbers of XXXX and also XXXX. I was able to leave a message on both. Neither the senior representative or the initial person ( XXXX ) verified my information either. I advised to place my number on the XXXX ( do not call ) list. I left a message at the complaint numbers but there has not been any response on this. I felt as if I was being harassed because the calls were coming in constantly from this agency while I was at and it affected my ability to be productive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: AFNI INC.
State: MS

Complaint narrative:
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weber & Olcese, PLC
State: TN

Complaint narrative:
I was sent a letter from Weber & Olcese, P.L.C. had been retained by XXXX XXXX XXXX which is a violation 15 USC 1692e ( 3 ) the false representation or implication that any individual is an attorney or that any communication is from an attorney. The letter stated this communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose which is a violation of 15 USC 1692 b ( 2 ) not state that such consumer owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Some one opened a Capital One account in my name. This account was sold to XXXX XXXX XXXX. I don not owe this debt. I contacted the company several times to rectify the matter, but have found them uncooperative. I've asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened up the fraudulent account in my name. They have not provided validation. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I contacted Transunion regarding an unauthorized inquiry on my report from XXXX XXXX XXXX via XXXX XXXX XXXX made on XX/XX/2019. I informed Transunion that i do not recognize this company/ inquiry, i did not apply for anything with XXXX XXXX XXXX via XXXX XXXX XXXX and for them to please remove it from my report because this is false and there for is indeed fraud. Transunion refuse to remove it, Stating that i need to contact the company directly to get it remove. I do not wish to contact a company who already committed fraud by using my information without my permission ( breaching my privacy ). This request is fraudulent and is negatively impacting my credit report causing me a lot of 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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Today was to be the closing date of our first ever refinance on our familys home. Your assigned Notary called my cellphone approximately XXXX XXXX. for an XXXX closing appointment, that we were grilled over about sanitizer blue ink pens and masks attendance signatures contact numbers etc.not a problem, we get it. We were asked several times to verify that my spouse and myself make arrangements to not miss this closing date via email no problem we get that too. 


On said phone call, half hour before closing if we have the proper 50 page document for closing. First we have heard of this and the answer is no. My spouse advised her we have only received documents via email and a Disclosure via XXXX  one for me one for my wife. We have responded accordingly same day to all subsequent emails even the duplicate emails to make this a smooth process all around. 


The notary calls again half hours 45 minutes later we appreciate her keeping us in the loop and now its almost XXXX. She states she is finally able to access the appropriate documents and will be here in 20 minutes. Another hour passes we havent left our home havent ran our errands havent eaten lunch nothing because were waiting, our off days are the weekend and thats when we care for home errands etc. Your notary then calls our home one more time stating she is having difficulty accessing/printing and will try to schedule us with another individual for todays closing. Its almost XXXX XXXX and nothing has happened no contact whatsoever from anyone. It has us to the point of questioning accreditation and are we really closing on our refinance? Is this in fact a legitimate process? 


I am requesting you all call us ASAP. This is very frustrating and unbelievable on the part of USAA as we have met all your requests demands, arrangements etc for both of us to be available. Signed everything we have received. We have been loyal members of USAA for many years. We have insurance, IRAs and some of our Banking with you even our children Bank with you. This behavior is unacceptable and something i never thought i would experience with USAA my family and myself have always spoken highly of USAA but to this there are no pleasant words, its poor customer service pertaining to my familys Dwelling, Mortgage and Home. 


I know things happen but this refinance process has been the most difficult I have ever experienced. Please advise when we can reschedule closing at your earliest convenience.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am writing to inform you of an account that is inaccurately reporting false information. The account in question are related to the creditor, American Express. I have contacted the credit bureaus ( XXXX, XXXX XXXX XXXX ) on numerous occasions along with contacting the creditor, American Express. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

American Express has yet to provide a response to my initial complaint. However, XXXX XXXX XXXX XXXX continue to report these accounts as derogatory on my credit report due to late payments. I have provided all supporting documentation to XXXX XXXX XXXX XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : ( 1 ) Correspondence to the creditor ( American Express ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have sent experian, XXXX XXXX XXXX dispute letters for my negative accounts over 30 days ago they still have not received investigation results on my dispute I disputed 3 negative account XXXX XXXX, XXXX, XXXX my name is XXXX XXXX SS 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 non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My money still has yet to be sent to me a d they are taking their time giving me my funds back fir my XXXX claim and my for XXXX and XXXX one of those are approved already and says resolved but its not currently checkin my account and nothing and anyone can look in my account and see that I need my funds and this bank needs to be sued and shut down but also I need my situation fixed and attended to now I cant wait any longer I. Fought the bank over 6 months and my credits are permanent so can I please get my funds before I take every legal action I can take on this matter against Bank of America once claim is approved funds should be sent back to our accounts the negative balances is on the bank once claim is honored and approved I want my money and not In the next month I need them now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 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: MA

Complaint narrative:
On XX/XX/2021 I mailed documents to Experian documents including a police report stating someone used my identity. On XX/XX/2021 I attempted to upload my ID and Police report to experian.com/upload. 
the upload process is close to impossible. I made many attempts to first upload the 2 page police report. after 10 attempts to upload the police report and ID I was still unsuccessful. I then split the PDF document into 2 pages and attempted to upload the police report. This time it was successful. Why doesn't Experian inform people that they must upload each document seperately? I then attempted to up load my ID in black and white as Experian requested and i have still been unsuccessful. 
On XX/XX/2021 I called Experian to confirm that the at least received the police report and they said there was no files they received. I explained to Experian that I have screen shots stating that my upload was SUCCESSFUL. I was told they would call me back

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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Closing process was horrendous and so unprofessional.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX Capital one Credit Card multiple calls XX/XX/XXXX Capital Credit Card XX/XX/XXXX ask on multiple occasions to lower my rate. I have perfect credit score. I have 2 accounts with them one with a really low rate and high limit. One with low credit limit and high rate 19.99 % I asked many time over the last few months and get the same response we do not lower rates or negotiate them. No reason why ie pandemic. Every single credit company i have business as standard practice negotiate interest rates based on credit worthiness. I esclated this up the management chain to supervisor same scripted response no explanation as to why its is so high. No what would i need to do to lower it. When i mentioned I was filing this complaint they did not follow guidelines for who it need to be forwarded to within capital one. After holding for 15mins I was disconnected. Called back on hold again for 10min. Then hold again for 10min for supervisor then 10 again so 40min to resolve something that should have taken 5 to 10mins tops. This complaint is they seem to be acting out of bank standard without offering options. That and now following established bank compliance 's on how to handle complaint that gets to this level. The time i was disconnect no call back. Considering what people are going thru with pandemic this horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon ordering a credit report from Experian in XXXX i called multiple times because i notice Experian is reporting fraudulent addresses and information on my credit file ... ... on XX/XX/XXXX i spoke with an employee by the name of XXXX and told her that my information such as my name, date of birth and social security number was hack and stolen in the XXXX XXXX XXXX back in XXXX and those addresses are fraudulent and i do not live there and the information is inaccurate and its a violation of FCRA ... ... XXXX told me that i could not dispute inaccurate addresses and i would need to wait 7 years until the address removes on its own, so i ask for an email, address or fax to experian so that i can provide supporting documents, she told me Experian does not give out that information and the addresses cant be disputed. 

on XX/XX/XXXX i called and spoke with XXXX and ask to speak with a supervisor and was told there is no supervisor to talk to, then i ask XXXX can he provide me with Experian hXXXX office phone number, email or address because i wanted to file a complaint, he told me its against experian policy to give out the companies information. 

I believe Experian is knowingly reporting inaccurate information on 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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX  XXXX XXXX XXXX added a derogatory mark to my credit report per Experian. This account was transferred/sold and the collection agency is attempting to collect on a debt that states it was opened on XX/XX/XXXX. I am not responsible for the account. Debtor 's creditor did not verify this collection and there was no written form of communication, contract, or written signature for this accused debt. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to inform you of an account that is inaccurately reporting false information. The account in question are related to the creditor, XXXX XXXX. I have contacted the credit bureaus ( Transunion, XXXX, and XXXX  ) on numerous occasions along with contacting the creditor, XXXX XXXX. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

XXXX XXXX has yet to provide a response to my initial complaint. However, XXXX, XXXX, and Transunion continue to report these accounts as derogatory on my credit report due to late payments. I have provided all supporting documentation to Transunion, XXXX, and XXXX  requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : ( XXXX ) Correspondence to the creditor 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 2021-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I closed my Axos XXXX account on XX/XX/2021. I originally had my funds with them as my " new house '' fund. I have made an offer that was accepted on a property so now I am trying to withdraw my money. They told me, originally, that the ACH would go out by the XXXX, it did not. They then said it could take up to 10 business days which would make it the XXXX. It still has not been sent. Now they are telling me it will take 5 more business days. I am afraid that they will keep telling me " just a few more business days '' for a long time. And I need my money for my house, or I will lose it. There is definitely something suspicious going on here.

Company response to consumer: Closed with explanation