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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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 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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have previously sent you a request to validate my debt, account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. 
But you did not provide me with the following : 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 the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a report/complaint regarding Capital One and XXXX XXXX XXXX. 

On XX/XX/2020, someone broke into the USPS Collections Box and among the mail taken, a check I had written out to someone was confiscated, bleached, and fraudulently re-written to the thief for {$50000.00}. Capital One deposited this check, without confirming it's legitimacy, thus withdrawing {$50000.00} from my XXXX XXXX account. 

I've personally called Capital One and they have refused to accept any information from me regarding this issue claiming unless a police officer calls, they won't listen to me. 

It has been 5 months and I still have not received the money that belongs to my family, which has been stolen from us during this time of economic duress, at the responsibility of Capital One and XXXX XXXX XXXX. 

I have provided 2 attachments. 1. of the original check via the carbon copy. 2. the fraudulent check.

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: Home Point Financial Corporation
State: RI

Complaint narrative:
I refinanced my mortgage thru a mortgage broker who sold my loan to Home Point Financial. It is clearly stated in my mortgage contract that the mortgage company was to pay my property taxes and insurance thru my escrow account. The first quarterly tax payment was due XX/XX/2020. Home Point Financial neglected to make that payment even though they collected the money from me and placed it in my Escrow account. They incurred a penalty charge from the town of {$270.00} that I had to pay to keep my account in good standing. In the last correspondence from Home Point Financial regarding this issue, they stated : " Our records indicate the escrow account only includes property insurance. '' " The property taxes are non-escrowed and are the homeowners responsibility. '' Both of these statements are incorrect. I have a copy of the mortgage contract, statements, penalty charge and proof of payment of the penalty charge. 

Home Point Financial has since approved closing my escrow account so that I may make all tax and insurance payments myself going forward as I do not trust them to do this for me.

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: TN

Complaint narrative:
I 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 Acct # XXXX ... XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX  Acct  # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX  Acct 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 2021-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Submitted a loan application to Waterstone Morgage in XX/XX/XXXX. Lender has never provided a loan estimate even when all documentation has been submitted. Requested more information on how to obtain the estimate, a preapproval letter and more information on down payment assistance programs. Received notification that when proof of funds is provided the letter will be issued and that they will take care of the downpayment assistance. They again did not provide the loan estimate.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AL

Complaint narrative:
The Company LexisNexis is stopping me from getting new Credit lines, Loans & Very important things I need for my bussiness to operate due to them putting Tax Lien on my public records. I am on a installment agreement with the IRS and pay them monthly. 


Source - XXXX XXXX XXXX  In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, senior director of credit risk assessment at data firm LexisNexis Risk Solutions! 

So why is my TAX LIEN on my credit report? I would like this be removed from my consumer report cause it is unfair to me when this is the only consumer place having my tax lien that I am paying off on file.

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: FC HoldCo LLC
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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I am currently trying to buy a house with a different lender and Pentagon Federal Credit Union is not reflecting my XX/XX/2020 and XX/XX/2020 payments from my previous home. I have requested the transaction history which still does not show the XXXX and XXXX payments and I have requested. It is preventing me from being able to move forward with buying a new home with a different lender. I feel as if I am not being prioritized because I am no longer using their services.

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: CORELOGIC INC
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: 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 STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. 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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc.
State: GA

Complaint narrative:
Key 2 recovery inc. sent my account to collections. I have not received any notice via mail or phone regarding the balance. When I have reached out to them they fail to return my calls or emails. 

They reported my account to XXXX  however they made no attempt to contact me to settle the matter. The account is 6 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2021 While attempting to make a payment on credit card online. Bank would not provide me with CreditCard Number to be able to logon to and set up online payments. On the bank statement the account number/card number is X out. 

In full disclosure, the account is a closed account that I am willing to pay back. But when I call customer service at XXXX they would not provide me with account even after asking multiple verification questions, yet the want me to go to a branch and get account number

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: JPMORGAN CHASE & CO.
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: Westlake Services, LLC
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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I mailed a letter to Clarity requesting my free credit report and have never received it over a month later and I live in the state directly above them. I sent my drivers license and SS card with the full SSN

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
XX/XX/XXXX submitted an online request for hardship with PHH Home Mortgage Services. 
XX/XX/XXXX rec 'd agreement stating the terms of temporary hardship Agreement stated an effective date of XXXX XX/XX/XXXX and three ( 3 ) payments will be deferred. Which should be XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However next payment would be due on XX/XX/XXXX in the amount of {$5200.00}. 

Based on the above and the matter in which the document was prepared this does not constitute three ( 3 ) payments deferred. This is deceptive and bad business practice. Call and spoke with the following on XXXX XX/XX/XXXX at XXXX. 

XXXX - Agent ID XXXX transferred to XXXX customer resolution and spoke with : XXXX - Agent ID - XXXX XXXX - Agent ID - XXXX XXXX - Agent ID - XXXX Escalation Mgr XXXX - Agent ID XXXX All of which demonstrated a no challenge attitude and extremely poor customer service. None of which understood my concern, continually stated that there was no error, and that they were unable to make any updates. Furthermore, total payment in the amount of {$5200.00} due XXXX XX/XX/XXXX and if unable to make the full payment the investor has the option to decline any payments less than total amount due and could begin foreclosure. 

I requested that this agreement be cancelled. I was then informed that if I cancelled this agreement and resubmitted it would not be approved. In addition, it will take one to two weeks to cancel and I needed to wait before resubmitting.

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: Royal Pacific Funding Corporation
State: CA

Complaint narrative:
My mortgage was transferred for servicing. I can't access online or by phone. They can not figure out a way for me to make a payment. I have tried every phone number and email they have sent me.

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: LoanCare, LLC
State: OH

Complaint narrative:
Our XX/XX/XXXX payment was sent electronically by our bank as always BEFORE the first of each month since XXXX when we purchased this home in Nevada. A month later It STILL AS NEVER POSTED TO OUR ACCOUNT AND we received a late notice about this payment. We had to make an additional XX/XX/XXXX payment so we wouldn't be charged a late fee and to keep this information from posting to our excellent credit rating. Our mortgage has changed hands three times starting with XXXX, LoanCare, and now with XXXX. We are so frustrated with this company and can not get anyone to credit our payment. ADDITIONALLY we want our interest adjusted accordingly since the payment was sent AND received by XXXX XX/XX/XXXX. The amount of time we have spent on fixing THEIR PROBLEM has been unbelievable waiting on hold to speak with someone ONLY TO BE TRANSFERRED to another department and put on hold a second time!! 
Customers should have a say who they want to take over their home loans NOT THESE SHODDY so-called mortgage companies.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This is in reference to account XXXX which showed as opened on XX/XX/2020 for the amount of {$200.00}. The original creditor is showing as XXXX XXXX XXXX XXXX XXXX XXXX ). This debt has been showing on my credit report with different collection companies and Ive previously disputed this account since I have not received an original contract with my signature showing this account belongs to me. If you can not send proof as request, I am requesting this debt to be removed from my credit reporting.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I paid my debt which was in collections in full in the month of XXXX. It still is on my credit report and is keeping my credit low.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I earned some Bitcoin on XXXX in XXXX. I'm unsure of the amount ; it was somewhere in the tens of dollars at the time, but with Bitcoin 's higher price today, I think it would be in the hundreds of dollars. 

XXXX was acquired by Coinbase, who created a process for XXXX users to move their balance to a Coinbase account. I followed that process, but it didn't work ; I never saw Bitcoins enter my Coinbase account.

I attempted to contact Coinbase three times about this : twice using their online contact form, and once using XXXX. I never received a response.

Company response to consumer: Closed with explanation