vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corporation submitted an incorrect balance to my credit report in the amount of {$7200.00}. When the dispute was resolved, I called on XX/XX/2020 to set up a payment plan. I was then told by the representative that the notes on my account were not fully updated and she did not want to take a payment. She asked me to call back in 1 week. I asked her to add notes to my account with details on our conversation so my account would not be flagged for collection and she indicated she had done so. I called back on XX/XX/2020 and made a {$50.00} payment to my account. I was told I would receive a statement in the mail and could make payments every month until the balance is paid. On XX/XX/2020 I received an alert that a collection was placed on my credit report ( again ) by Credit Control Corporation for {$2900.00} despite having set up a payment plan and submitting the first payment. I called supervisor XXXX XXXX on XX/XX/2020 and XX/XX/2020. I left voicemail messages both times regarding my account and have not received a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
Unsolicited contact about a gym membership i don't have. It has gone on for weeks and i have blocked their number but they still contact me. I have called the number and they ask for membership details to verify my information which i do not have because i never had a membership in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: VA

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I'm currently trying to get a VA loan for my recently deceased Grandfather 's property. NewRez mortgage took over my current mortgage in XX/XX/XXXX. NewRez said, there would be a 60 day grace period to get payments on schedule and no late payments would go against my credit in that 60 day period. When the new company inquired about my payment history with NewRez, they responded I had a 30 day late for XX/XX/XXXX but when i call NewRez they tell me that i have no late payments and nothing late will show on my credit. i asked, NewRez to write me a letter explaining that and send to me by email so i can provide this to the new mortgage company. They are insisting they can't do that and keep sending me a payment history. Basically, they keep telling me i have no history of a 30 day late payment and nothing will go against my credit but attached is a form they supplied to the new mortgage company saying i have a 30 day late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I was recently victimized by identity theft and this last account that is still reporting on my credit is a result of the same crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: CT

Complaint narrative:
i have filed several disputes with Equifax, both online as well as called almost daily for awhile. i have faxed over proof from the credit union, written on the credit unions letterhead as well as the phone number of the credit union and the credit unions attorney confirming that it should be removed immediately and Equifax continues to maintain they're accurately reporting the credit union accounts and willfully continues to violate the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XXXX XXXX i requested my bankruptcy to be removed from XXXX   XXXX  they responded saying a decision would be made in 30 days it is now XX/XX/2020 60 days has passed with no response back i also disputed with, XXXX, trans union and XXXX to remove that information also they're response was the information will stay on credit report because Bankruptcy court had verified the information i attached an email i received from the United States Bankruptcy court here in XXXX, Tn that stated they don't verify information to any source i have provided proof for credit reporting bureaus to have this information removed and neither one has done it.

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 2020-03-27 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: TN

Complaint narrative:
On XX/XX/2020 i requested my bankruptcy to be removed from XXXX   XXXX  they responded saying a decision would be made in 30 days it is now XX/XX/2020 60 days has passed with no response back i also disputed with, experian, XXXX XXXX and XXXX  to remove that information also they're response was the information will stay on credit report because Bankruptcy court had verified the information i attached an email i received from the United States Bankruptcy court here in XXXX, Tn that stated they don't verify information to any source i have provided proof for credit reporting bureaus to have this information removed and neither one has done it.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying to get my home refinanced and as part of this I need to get my credit report from all three bureaus. XXXX and XXXX  have no issues sharing my credit report. Equifax said that I locked my credit report and would not unlock it even when I called numerous times to free the report. They then informed me that the credit report was freed, however when it was checked there was no information contained in the report. When I spoke with them about it they told me there was an issue with the address that I was using. I have a physical address and a P.O. Box. They said that I need someone to report my credit using both addresses. I checked with my bank who advised that they reported my loan status to Equifax. They said that they have sent the report with both addresses every time the report is sent. I have spent no less that 5 hours on the phone with Equifax through numerous phone conversations. They have been the cause of numerous credit failures from not being able to rent a car, to not being approved for a credit card. They refuse to help and are costing me money daily due to the fact that I can not improve my finances as a result of their failures!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TN

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/XXXX  These inquires are not mine, i have never authorized these. I believe i am a victim of identity thief.

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 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MT

Complaint narrative:
We suffered a housefire in XX/XX/XXXX. Since this time, our mortgage company has been very difficult to work with, specifically in the last six months. Although we have turned in paid receipts for months, they do not release funds. Every time you call the company you have to speak to a new person and get a different answer as to why you have not got funding yet. To date, they have over {$20000.00} that they are holding and will not release. They sent a check on XX/XX/XXXX but this check had our ex-contractor 's name on the payee line, which they had been informed of several time that he was no longer our contractor. Upon asking for an updated check, the company informed us they would issue a stop payment and get us a new check within 10 days. It has now been 15 days and they have not even processed yet. This is a severe hardship for our family and has caused months of unneeded stress. They can clearly see through inspections and receipts that the money has been spent to fix the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I wrote to Innovative Recovery about a debt that claimed I owe, which I requested validation. Innovative responded with a partial lease agreement although the supposedly final balance statement shows an amount of {$1200.00} owed for " insufficient notice charge '' in addition to {$510.00} reletting fee. I then contacted Innovative again requesting to see the full and complete lease agreement, particularly the part showing the part about me agreeing to be charged {$1200.00} insufficient notice charge. Instead of providing me with adequate evidence of this charge, Innovative sent me the EXACT same response as before. Without a full and complete lease agreement, I have reason to believe this amount has been inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I also sent the following to Ally on XX/XX/XXXX, received an email stating I would hear back from them within 3 days, but it's been four and I have heard nothing. 

I opened an automated investing account with Ally at the beginning of XXXX. The initial investment of {$5000.00} was transferred to the account on XX/XX/XXXX. Sometime between then and the XXXX I became aware the new account was marked restricted due Ally 's inability to verify the address I provided. I was unable to provide the supporting documentation requested, as I had provided a mailing address and apparently a residential address was required ( there was no indication of this when I opened the account ). I contacted Ally support immediately and they lifted the restriction on the account temporarily so I could transfer the money out of it, which would close the account. I did so, and received an email from Ally on XX/XX/XXXX stating that they would review the request that day, liquidate the funds and make the transfer. The funds were not invested yet, and still aren't according to the dashboard, so they should have been available immediately. 

It has been a month and the money still hasn't been withdrawn from the account account, and it still hasn't been closed. I have not had access to the account for this entire time, as it is " restricted '' due to not being able to provide the requested supporting documentation. 

I have spoken to support over the phone twice now to resolve this issue. The last time, which was last week, the support specialist removed the restriction on the account so I could try to withdraw the money again. However, I was unable to do so at that time. The error Ally returned was that there was already a pending transfer. 

I am becoming deeply concerned, as Ally is currently holding {$5000.00} in limbo and has not provided an explanation as to why, or a path to resolution. I have made it *very* clear that I wish to withdraw all the money and close the account, but so far Ally bank has not complied with this request despite the fact that the money is not, and certainly should not, be invested.

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 2020-03-27 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage is being predatory to their existing VA borrowers. They are offering ZERO options to work with borrowers that are impacted by Corona. On the front page of their website it basically says pay now or else. They are kind enough to offer 90 day forbearance but all 3 months are due in full after 90 days. They are however shoving refinance offers down our throats. I get weekly calls from them offering to refi. However, when I asked how much it was to refi, i was told roughly {$1900.00} after Freedom helped me out with some of their closing fees, but dont worry bc its rolled into your loan. Way to take advantage of peoples hardship freedom. - disgusting

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 2020-03-27 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
for over 6 months now I have been trying to pay my american express card. I have been making payments with auto payment for many years now. I have cancelled the account and have a payment plan. I have been trying to make overpayment on this card but everytime the payment is not allocated as overpayment to reduce the credit card interest or principal. the overpayment is than deduted fro my monthly payment making impossible to make a overpaymet on the account. 
After dcontacting american express on the matter they told me I will have to make overpayimnets over the phine and the awating time is about 1 1/2 hours. I have been told before that I would be able to make online payments after the due date or make ovrpayments that is still deductiing out of my minimum balance. 

Problem- Unable to make overpayment before the due date or after without american express forcing me to maintain the same minimum payment on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I realized that monies were transferred from our savings account to XXXX XXXX  in the amount of {$27000.00} without our knowledge or consent. I immediatelly called bank of America and informed that we were out of the country ( XXXX ) and did not authorize any transferring of funds. Bank of America put an immediate freeze on our account and upon our return on XX/XX/XXXX we went to the bank to find out what was happening. We were told it could take 45 days to be disputted. On XX/XX/XXXX we received a letter from bank of america stating that the claim was closed because XXXX  XXXX   sent them proof of our enrollment or authorization. Since we were out of the country, I do not know how this was done. I have continued to dispute this and have notified our local police department of fraud.

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 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2020 At XXXX XXXX I walked into my Bank of America branch in XXXX XXXX Virginia and deposited a check for {$2200.00} before depositing this check I was not explained policies of Bank of America as far to as how long they could hold my money ... as it stands they have put a hold on my check for over two weeks and has changed the date of availability of funds three different times they changed it by email they changed it by phone conversation and none of that matches up with the receipt that they gave me when I left the bank.. they first told me that my because my account was not 30 days old that they placed a hold on it and then an email they sent me they said a hold was placed on my check because specific information indicates this item may be returned ... it's kind of ironic information because Monday I deposited a check from the same exact company and the money was available next day ... when I called Bank of America Corporate I was told by not a teller but by a manager that Bank of America have the right to hold the checks for as long as they want and that they did not have to adhere to Federal Regulations whatsoever in fact they've never even heard of federal regulations not even regulation CC ... I implore you to investigate this for me please because it seems like an extravagant amount of time to clear my money especially during this National crisis that we are facing ... 
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 2020-03-27 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
XX/XX/2018 usa bank I was tey to open an account and it went my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: IN

Complaint narrative:
XXXX  XXXX  XXXX  RECENTLY REPORTED ON XX/XX/2020 AN ACCOUNT THAT HAD BEEN DELETED, EXPERIAN HAS ALLOWED THEM TO PROVIDE INFORMATION ON A ACCOUNT THAT HAS BEEN CLOSED AND DELETED.

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