vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
1. Foreclosure without proper notification. 
2. Foreclosure without the borrower being notified. According to the foreclosure laws of WV. 
3. My wife left on XX/XX/2020, I contacted the bank to set up auto-withdraw. The lady at the bank said the house had been foreclosed on and sold already that there wasn't anything I could do to rectify this situation. They told me to call my local courthouse so I did, they told me to contact the foreclosure department for my bank and gave me a number. I did that and they told me the house would be given to a realtor in XXXX so call back then and she would be able to give the realtor 's name and number, so I did and didn't get the same lady and the other lady said it was with HUD, not their bank so I contacted them they told me it was with FHA dept. I have an attorney if you would need to see the documentation for all of this. It isn't an attorney for this situation but they have the information. My ex-wife had put holds on the mail, changed the contact information to a phone number we no longer had her email and any certified mail or personal notification she received and disposed of or hid. I never recieved any notice at all I worked full time as a XXXX  XXXX and started my XXXX XXXX at this time I worked 14 to 16 hour days 6 and 7 days a week. I had the money it just wasn't being paid. Had I known I would have fixed this before it ever got to this I put XXXX dollars into this house while it was being foreclosed on. 
4. Huntington National Bank, HUD, FHA, and my ex-wife

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Pentagon Federal Credit Union forced us to pay into an Escrow account when signing on to our home mortgage, making the bank responsible for paying our property taxes and insurance. Both in XXXX, XXXX and XX/XX/XXXX, our lender has not paid our property tax bills, forcing us to pay while still having to contribute to the Escrow account. Pentagon Federal Credit Union has been unresponsive to our requests to waive escrow given the two notices of error.

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 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-03-02 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report 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 2021-03-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Statebridge Company
State: MD

Complaint narrative:
On XX/XX/XXXX, I received the attached document dated XX/XX/XXXX from Statebridge Company , LLC demanding payment of an alleged debt in the amount of {$70000.00} ( see Attachment A ). 

On XX/XX/XXXX, I sent Statebridge via USPS Priority Mail the attached letter deputing the alleged debt and requested validation, pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Statebridge received the request for validation on XX/XX/XXXX ( see Attachment B ). 

On XX/XX/XXXX, I received the attached letter from Statebridge dated XX/XX/XXXX, stating that they verified the alleged debt of {$70000.00} and that the debt was due and owing to Statebridge ( see Attachment C ). 

On Saturday, XX/XX/XXXX, I received another correspondence from Statebridge dated XX/XX/XXXX, attempting to collect the {$70000.00}. On XX/XX/XXXX, via USPS Priority Mail, I responded to Statebridges incomplete validation of the alleged debt, and gave Statebridge Notice that I would be filing a FDCPA complaint against their company for not validating the debt and for its false, misleading, and deceptive practices in attempting to collect the alleged debt ( see Attachment D ). Statebridge received the XX/XX/XXXX correspondence on XX/XX/XXXX. I did not receive any further correspondence from Statebridge for the remaining of XXXX regarding the alleged debt of {$70000.00}. 

On Thursday, XX/XX/XXXX, I received the attached IRS 1099-C from Statebridge alleging to be the creditor of the allege debt, which Statebridge knew was discharged in the United States Bankruptcy Court, for the District of XXXX on XX/XX/XXXX ( see Attachment E ). Further, Statebridge was not a party, nor creditor in the XXXX bankruptcy case. I believe Statebridge is attempting to file the fraudulent 1099-C with the IRS, in order to receive an illegal {$70000.00} write-off. 

On XX/XX/XXXX, I sent via USPS Priority mail a Notice demanding that Statebridge rescind the 1099-C, within 20 days of receipt of the Notice. Statebridge received the Notice on XX/XX/XXXX ( see Attachment F ). To date, Statebridge has failed or refused to respond to the XX/XX/XXXX Notice, nor did I receive any documentation from Statebridge that they contacted the IRS and withdrew the fraudulent 1099-C. 

Lastly, on XX/XX/XXXX, I received my credit report from TransUnion and noticed that Statebridge illegally pull my credit report on XX/XX/XXXX. I use the term illegally because Statebridge did not have my permission to pull the report. This was an impermissible pull and also a violation of the Fair Credit Reporting Act ( FCRA ). 

I am reporting Statebridges numerous illegal acts and is requesting an investigation from the CFPB in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/21 I noticed someone had hacked into my cash app & attempted to send themselves {$120.00}. It wasn't available in my account or my cash app balance so it didn't take any money out this time. I immediately sent cash app an email request to dispute this. Cash app will warn you NOT to block the individual until you get a resolution from them. This process takes 10 business days. 8 days later on XX/XX/21 ( mid investigation ) the same person sent themselves {$330.00} from my account. This caused me not to be able to pay my rent on time, my account is currently still in overdraft. I've sent them multiple emails as well as tried reaching them via twitter & they give you the same response of waiting 10 days & then stop responding. No one has refunded me yet or reached out with any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have been an American Express Serve cardholder for five years without any problems. On XX/XX/2020 {$710.00} was stolen from my account in what Im assuming was a skimming crime. I have never given my pin or card to anyone, never lost my card, and was not negligent in any way. I received text notifications that money was being removed and by the time I could get my card shut off, {$710.00} total was stolen from two XXXX XXXX XXXX XXXX ATMs in XXXX stores across town from me ( I live and was in XXXX CO and the money was stolen in XXXX CO ) I reported to police and have filed multiple disputes with American Express who refuse to give me my money back. Apparently the ATMS had no cameras and I feel this is not my fault- these big banks are not protecting my money without cameras or without honoring my insured funds or fraud protection. I feel extremely victimized and this is not right. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I requested a credit line increase last week, they told me theyll notify me of the decision in a few days in the app. Ive been getting random missed calls throughout random times of the day when Im at work. I tried calling the number the representative answered claiming its capital one and demanding my personal information. Sounded like a complete scam, hes demanding my full social, card number, and DOB and refuses to tell me where hes calling from and why. I called the capital one number on my card, and demanded to speak with a supervisor who told me whoever is calling me is leaving no notes on the account as well but they do see outbound calls going out to my account. Fast forward I got an email from capital one stating they denied my credit line increase request due to not being able to get in contact with me to verify my account. How am I supposed to know who and why someone is trying to contact me if theres no voicemail and when I call in your representatives are acting like theyre running a scam?! Then they tell me to re-apply to go through the same scammish procedures and hope for the best that they call me when Im not at work. I have an XXXX and XXXX credit card and never heard such ridiculous nonsense before. If this is the customer service capital one have to offer I will be closing out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2021 I received a letter with a debit card for a checking account opened with Chase Bank. The problem is that I never opened this account or have any accounts with Chase Bank. I contacted the company and explained the situation. They put a hold on the account, basically froze it, and put me in touch with their fraud dept. They started a fraud claim and told me to file a police report locally, file a report with the FTC. and report it to all 3 credit bureaus. I am in the midst of doing all these things now. I am not sure how my information had gotten hacked and have no lost or stolen cards, home or car thefts, or online hacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XX/XX/XXXX balloon payment came due Upon my trying to pay my monthly note online. 
No Advance notification received prior.Ive Tried to work out with my loan service Mr Cooper.I subsequently reached out to other mortgage company to refi with taking on thilian so I would have 1 payment. After being approved and started the process early XXXX When COVID hit.At this time my main mortgage Company put a hold on all transactions forward I tried again with Mr Cooper to get a loan Modification they refused going back and forth With Mr Cooper to no avail.I finally received A short forbearance. During this time my husband past away XXXX.I stayed in communication with Mr Cooper the entire time. 
I eventually got a payoff from Mr Cooper of {$26000.00} I sent them this Amount and they returned my certified Bank check with original Service Company Nationstar. It is obvious that Mr Coopers intention is to Steal my home during this most Stressful time in my Life. I am A Senior citizen and my Dearly Departed Husband was a Veteran who served his Country

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Coinbase tech support contacted me, same day, as the complaint I recorded on Coinbase tech support page. The original issue was problems logging in. Tech support said they needed access to my computer. When they did they did suddenly the first week of XX/XX/2021 ; my Coinbase account was drained of over {$3000.00} invested in XXXX. I registered a complaint ( ref : XXXX ) When I returned the call of the tech, named " XXXX '' ( phone # : XXXX ). He said that this was standard procedure and the money would return after the lockout was solved. [ I suspect Coinbase or associates just outright STOLE MY MONEY ] Now weeks later the response to my login is " the account is suspended and I should contact " tech support ''. This is a vicious cycle! 
Coinbase.com has only responded to my complaint with bot responses. NO ACTION!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN A FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CT

Complaint narrative:
One of the sales rep from Lexington Law called me back in XX/XX/2020 to offer services related to Credit repair. I have problems with spoken English and understanding it. I explained it to them but they convinced me to go ahead and try their services and that language is not a problem. So I went ahead with them for 1 months to start with. The plan was to try the service and based on results go ahead or drop it. With limited understanding of what they were selling, I never fully understood what they were upto. Lexington Law continued to deduct monthly amount XXXX from XX/XX/2020 till XX/XX/2020, They never called me to explain what was going on. Later, while checking my account in XXXX I found out that they didn't stop charging me, after one month of deduction. I cancelled the service in XX/XX/2020 and asked for refund for 4 months out of 5 which they had deducted. There has been no progress so far. I called them plenty of times but they don't act. They promise to call back within 48 hours but no one calls back or follows up. There has been no benefit in my credit improvement but they have charged XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus are even reporting inaccurate name variations which I've requested to be corrected and supplied adequate proofs and yet even those have not been addressed. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Ive been applying monthly for loss mitigation with Freedom Mortgage since XXXX Ive reported this to CFPB several times. First Freedom Mortgage told me I received 3 loan modifications from them so they denied me. Freedom Mortgage said they crossed my file with someone else file, their mistake they told me. Called me so we 3 way XXXX XXXX XXXX to verify my non existent checking account, My last application was for the pandemic unemployment loan modification, even though my only qualification is to be receiving unemployment I was still denied, yet placed in forbearance. I NEVER ASKED FOR FORBEARANCE, IVE BEEN APPLYING FOR A LOAN MODIFICATION AFTER SUFFERING FROM A DOUBLE FINANCIAL LOSS. First in XXXX of 2020 then COVID-19. I feel that Freedom Mortgage does not have a loss mitigation program in which they claim to have. Its a scam and my mortgage is in the middle of it. Ive never missed a payment.

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