vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2020my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Got a loan for XXXX dollars on line through checking who is also axcess financial did not receive any paperwork. Got loan in XX/XX/2020. Paying XXXX dollars biweekly. Problem checked credit Rpt. Shows XXXX dollars month for term of 18 months. That would equal XXXX dollars. That's predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: NY

Complaint narrative:
in response to EXPERIAN to my compliant, yes I XXXX XXXX did send to experian and CFPB a complaint in reference to me being a victim of identity theft. I attached my FTC report and a copy of my social security card and my drive liscense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed several inaccurate accounts on my credit report. I filed an FTC report with Experian. The accounts were removed. I was not notified when 3 different items were reinserted on my account. I called Experian and was told that notification would take 7-10 days. The FCRA states they must notify me with in 5 days. They told me that was incorrect and then refused to allow me to speak with a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Real Time Group, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX Real Time Resolutions contacted my spouse on her Cell phone trying to reach me regarding a foreclosed mortgage that was sold to them by XXXX  XXXX XXXX. This property was owned by me in XXXX prior to being married to my current spouse. I have never given them my spouses cell phone number, and I have never given them permission to contact me on her phone. Im unaware of how they got her number and feel it is predatory that they obtained it likely through credit bureaus or online tactics. Lastly, this account was foreclosed on in XXXX and sold at auction in spring of XXXX. As I understand the statute of limititations is exceeded in the state of Utah ( 6 years ). XXXX  XXXX XXXX reported the foreclosure to my credit report and it has since been removed from my credit. My understanding is that the 80 % portion of my mortgage was resolved at auction and the the 20 % was written off as a tax loss. So I believe this debt to be acquired by Real Time resolutions as a bundle from XXXX XXXX XXXX as closed/default accounts despite it being written off by XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: NJ

Complaint narrative:
Arc Home LLC is our mortgage lender, who has failed to pay my Q3 & Q4 XXXX property taxes from my escrow, resulting in XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX taking actions to file a lien and proceed with a tax sale. The loan number is XXXX. My mortgage payments are always current & the escrow account is sufficiently funded. I've been sending delinquent tax bills to Arc Home beginning XX/XX/XXXX. Copies of all my correspondence are available upon request. I have been calling Arc Home customer service repeatedly for months and can not get any resolution. Every promise to pay they've made to me has been broken. You never speak to the same person twice & they will not share their last names, direct tel # or email. I have received NOTHING in writing from Arc Home acknowledging my correspondence, or indicating they were even looking into this. Arc 's customer service is HORRIBLE! And it takes on average 4 - 5 minutes to get thru their automated call menu before being able to speak with anyone ( never the same person ). On Monday they told me the problem was they couldn't get ahold of the XXXX Tax Collector, so at that point I called the tax collector myself & put her on a three way call with Arc Home. The Tax  Collector denies ever hearing from Arc Home or receiving any of the emails they claim to have sent her. At this point Arc Home still has not paid the delinquent taxes and refuses to give us any indication when it may be resolved. Arc Home told me to 'disregard the threats ' by the Tax Collector as it is not my property (? ) Is there anything that can been done? I'm now receiving notices of tax  sale from XXXX XXXX for these delinquent taxes. I just want Arc to pay my property taxes! 
In full disclosure - in XXXX we purchased the adjacent vacant lot  ( XXXX XXXX XXXX XXXX, which was legally consolidated with our existing property in XXXX. Copies of the deed consolidation were sent to Arc Home. The XXXX tax assessor did not consolidate the lot & block numbers until XXXX. However Arc Home did agree to pay all taxes & actually did pay the Q1 & Q2 XXXX taxes. This outstanding issue of delinquent XXXX  since XXXX XXXX is on that vacant lot, which was consolidated last year with our existing home / property ( copies available upon request ). 
Please advise what you need from me. Thank you very much for your time. - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, cell # XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
On XX/XX/XXXX my bank account was charged XXXX as a bank levy for a debt that is not mine. It turned out to be my wifes old bill from 20 years ago even before we met. Also, the income I have going into that account is solely mine and from XXXX only, I am in the process of fighting this but any help would be appreciated, I also want my money back. 
In regards to the debt, I cant say whether its owed or not, its 20 years old and we have never received any communication regarding the debt what so ever. It is not on our credit reports and the supposed original creditor has never said anything about it for 20 years, and we`ve been using them the whole time? Please help thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I keep receiving recorded calls telling me my Amazon XXXX  Card ( never used since about XXXX  ) has a suspicious charge and I should call to confirm. On XXXX the call came at about XXXX XXXX  from phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I filed a FTC identity theft report and police report and submitted to the credit bureaus because there are four fraudulent accounts and Experian is refusing to accept my FTC report. They claimed the format was wrong. However I printed it directly from the website. I contacted the FTC today who confirmed there was nothing wrong with my report that it is just like the others they see every day. They suggested me file a complaint because its a legal document. The attached document is the same that I have provided to Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TX

Complaint narrative:
There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was open a American express green credit card account on XXXX, however my credit card account was cancelled by AmEx fraud team by XXXX, they still charged my {$150.00} annual fee as I just use credit card for 11  days. I paid off all the money which i spent, and asked they refund the annual fee for me, because i just used for 11 days, that is not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX  XXXX {$13000.00} XXXX  XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX/XXXX XXXX  XXXX {$18000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: MA

Complaint narrative:
Around XX/XX/2020, I lost my XXXX card. Immediately, I reported it lost. A XXXX representative said he would cancel the card and another would arrive in a week. About a week later, I discovered I could not access my online account to see unauthorized charges. A message stated I no longer had an account with XXXX and was given a number to call. The number was to XXXX XXXX, who had no information about me. 
I was locked out of my account and I had no way to contact XXXX. That when I went on their XXXX account and was able to get a number to speak with a representative. 
The representative again canceled my card and issued another. He could not explain why my online account was locked or why I notifications said I was no longer a customer. 

It's now over three weeks and I have not received a new card. Today, my credit report showed my credit score dropped XXXX points because of XXXX. According to Equifax, my credit score decreased XXXX points because a XXXX balance increase of {$180.00} and the account number changed. This is the second time XXXX reported false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Wrong social security number Wrong addresses Wrong phone number Another names inquiry with other name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Over the last year I have received several letters threatening legal action in regards to a debt with XXXX  XXXX. I paid off my debt with XXXX  XXXX  in XXXX of XXXX. I confirmed with midland credit that this was the correct account and explained that the debt was paid. I confirmed with XXXX  XXXX that the debt had been paid and was told twice that they had no idea why the account would have been turned over to a collection agency. Midland credit claims that the account was sold to them in XXXX or XXXX of XXXX ( months after the account was paid in full ). When I received a " final notice '' on XX/XX/XXXX I contacted Midland credit again, explaining again that this account had been paid in full. The representative I spoke to was patronizing and I had to ask him multiple times for a mailing Address to send the company proof of payment. He repeatedly tried to change the subject, asking for payment and claiming that I would not have been able to contact XXXX  XXXX. I contacted XXXX XXXX  again and spoke to a representative there that again confirmed that my account had been paid in full and was in good standing. They also noted that they do not sell accounts to debt collectors as they have their own department to handle that and said they had " no idea '' who this collector was and warned me multiple times to not send them any information about my account or send any payments to the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have an open loan with Freedom Mortgage, I have been trying to refinance my mortgage. When it came down to the final paperwork, after I had received a higher appraisal they upped my fees. I contacted them about this. They said they had been working on it a long time and they deserved those fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$13000.00} XXXX  XXXX XXXX {$2.00} DEPT OF VETERANS AFFAIRS XXXX {$190.00} DEPT OF VETERANS AFFAIRS XXXX {$2400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$18000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian notified me that there was a credit inquiry made by someone that I didnt recognize. They claim to be the US sm SBA admin ODA and there was even an 800 number associated with it. ( See attached screen shot ) I called and could tell immediately it wasnt the real SBA. They answered the phone SBA and immediately asked for my social. They even transferred me to a so-called fraud department. The inquiry was made today, XX/XX/XXXX. I have notified all three credit agencies and put a freeze on my account. I am just reporting this so you know someone is posing as SBA And Using stolen Social Security numbers.

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 2020-11-05 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:
The Account with XXXX XXXX was previously disputed Equifax failed to remove or properly investigate as of XX/XX/20 XXXX XXXX has deleted the account, credit reports need to be 100 percent accurate across the board with all bureaus that being said Equifax must delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: NC

Complaint narrative:
I have reported GLA Collections on multiple occasions to the consumer finance site. I have also reached out to GLA on multiple occasions throughout several years regarding the said debts below. Each time GLA does not provide evidence that the said debts are mine and they remove the debts from my credit reports. Then a few months later they put the debts back on my credit report. They refuse to provide proof that the said debt is mine with itemized statements of the said accounts. I have called both alleged medical providers regarding this said debt and both medical providers state I have no balance on file with their offices. They also harass me repeatedly with multiple phone calls. 

Said Debt # 1 - XXXX XXXX  {$220.00} Said Debt # 2 - XXXX XXXX {$110.00} I would like immediate action to remove these debts from my file permanently and I would like to seek information on how to file legal action against GLA. They continue to negatively impact my credit by falsifying information and refuse to provide any proof of the said debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Auto Account Number XXXX XXXX XXXX The original loan statements were not received in a timely manner. The subsequent payments made were then resulted in a late being reported on my credit. I opened an investigation in XXXX on this matter, I never heard back. Covid hit, we asked for, and received a deferment, yet every month that we had a defer Chase reported late. As a result, multiple late payments have been reported and it is killing my score and making it difficult to obtain EIDL from the SBA and other finale options we are pursuing due to COVID. Even the statement attached shows that there was no correspondence between Chase and me for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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 am a victim of Identity theft. I have attached the Federal Trade Commission Report along with my supporting documents.

Company response to consumer: Closed with explanation