vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I keep getting a robocall 2-5x per day from Advance America asking for someone to pay their debt. That person is completely unknown to me. The robocall ends with saying if I am not the person, please ignore. The volume of calls has become an annoyance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer 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 2021-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors 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. 30 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 non-monetary relief
Consumer complaint received 2021-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I contacted CFPB regarding Account Resolutions of XXXX XXXX XXXX, XXXX, FL XXXX as they were reporting an unvalidated alleged debt and violating HIPPA also by reporting. They were to remove the account in its ENTIRETY from my credit report because it is also a FDCPA violation. They continue to report this account in violation of HIPPA and FDCPA, but now they are reporting as PAID, which it was never PAID, and as CLOSED, but they never provided validation that the debt was ACCURATE or REAL. 

They continue to report this and it needs to be removed. They have never provided additional or verified account level documentation as requested. 

They are currently in willful noncompliance of the FDCPA and violating my rights by doing so.

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 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle and Cookie Mortgage LLC
State: CA

Complaint narrative:
XXXX requires use of its owned mortgage company. XXXX misleads consumers into thinking it is required to use its mortgage company. XXXX  ignored me for several weeks when I was attempting to follow up and use a different lender. Eventually, XXXX  said it is permitted to use my own lender. I asked XXXX  if they will change their policy as to other consumers and they did not respond. I conferred with State Department of Real Estate and they said it would be more appropriate to complaint herein.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
I have been a victim of identity theft fraud. I have discovered which is not mine, which I would like to immediately dispute and have investigated.I have no idea of any of these accounts. Please review this and remove this as soon as possible.

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 2021-07-14 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:
I have been a victim of identity theft fraud. I have discovered which is not mine, which I would like to immediately dispute and have investigated.I have no idea of any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I did not pay the full balance of my credit card, so in XXXX I had and interest charge. I then paid my bill in full including the interest. There were no late fees because I paid more then the required amount asked for. In XXXX My statement had an interest charge on of {$13.00}, I called the credit card company ( Chase ) to discuss this, as I paid my bill in full and on time I wanted to know what I was being charged interest on. I was told because I didn't pay my bill in full in XXXX the interest carries over for two months. I wanted to know if I carry a balance on my card do I pay double interest all the time, and was told I have to have my bill paid in full for two months to not have interest charges. The representative could not answer my question on what I was being charged interest on nor if people are paying twice the amount of interest as told upfront. Is this the Banks way of charging double the interest, from what they advertise? The rep could not answer my question. 
I also noticed XXXX XXXX  XXXX did the same thing. I always try to pay these cards off every month in the off chance I don't I would like to know what my true interest rate is. 
I would like to know if this is legitimate? 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
This is a formal complaint against Ford Motor CR located in XXXX, NE. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Ford Motor CR has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
My XXXX  XXXX XXXX was repossessed, I lost my job during the pandemic I couldn't make the payments they came and took the vehicle while I was sleeping. I am now in the collection for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
In XXXX or early XXXX, I asked Navient to pull my loan out of repayment while I was in school for the purpose of securing a FHA mortgage loan ( before the new HUD change ). I needed an actual payment to remain in qualification for the loan, as the mortgage specialist missed this loan on my report. I have since graduated. Nevertheless, while XXXX promptly put my loan back in deferral due to my in-school status, Navient is refusing to put my loan back in deferral citing that I have graduated, even though I just graduated in XXXX and am well within the grace period. As well, I believe there is currently a COVID forbearance, as well. I have emailed to no avail and tried to set up calls. Still, they are adding fees to my loan and have kept the loan in repayment. In addition to being inefficient, it seems like a shady business practice at this point since they know that recent graduates have a grace period. XXXX, there is the emergency forbearance to which all appear entitled. Additionally, we discussed this situation by phone and staff there agreed that it would be no problem to resume my in-school deferral afterward. Something is awry, and it stands in stark contrast to the exact same scenario I have with XXXX, which was handled without my ever having to email or pick up the phone again. 

Also, they appear to be trying to break the law. 
" In-School Deferment You are eligible for this deferment if youre enrolled at least half-time at an eligible college or career school. If youre a graduate or professional student who received a Direct PLUS Loan, you qualify for an additional six months of deferment after you cease to be enrolled at least half-time. '' https : //studentaid.gov/manage-loans/lower-payments/get-temporary-relief/deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I was approved for {$50000.00} SBA Loan and the money was sent to Apple Bank on XXXX XXXX during the same time Apple Bank was being fined for {$12.00} XXXX by the FDIC and I believe they was it out on me with unjust actions. 
I had to close my office in XXXX XXXX XXXX because of the covid pandemic and I referred all my mail to my UPS PO box which is located 100 feet from the Apple bank that I opened my account with on XXXX XXXX NYY. 
I told them I had to close my office due to covid and me and my staff are working remotely from home, all was fine Then a fe days later they said they are closing my account because it looks like fruad, I said all of my company registration is with my mail box address right up the block at XXXX XXXX XXXX XXXX, ny XXXX even my License which i gave them has that address, I told them we are working from home temporarily like everyone else, I had to close my office because of the pandemic, They said this looks like fraud we have to close your account, They held my {$50000.00} loan money over 22 days and verified that it's mines, THEY TOLD ME THEY ARE GOING TO CUT XXXX BANK CHECK FOR THE MONEY AND CLOSE MY ACCOUNT. But they instead SENT MY MONEY BACK TO THE LENDER AND CAST A NEGATIVE LIGHT light on me like i was doing some king of fraud and the lender Revoked my loan and that caused me a lot of damage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
At the beginning of the pandemic, XXXX of XXXX, I was furloughed from my job. I reached out to my mortgage lender Freedom Mortgage to see what my options were in regards to paying my mortgage until I knew what my financial future and job situation was going to look like. The operator on the phone told me I could go on a covid 19 forbearance plan and not pay my mortgage payments until I was back to feeling financially secure. Before I made the choice to take her up on that offer, I asked how it works to come off. She said I could have the owed monthly payments added to the end of my loan and extend my loan date by the amount of months I was on forbearance. I felt comfortable with that and made the choice to go on forbearance. My loan was current at the time I went on forbearance.

I have been ready to come off of forbearance since the first of the year of XXXX but my lender has been very difficult to work with. They said they have actually decided not to offer the option I was originally told would be available to me. I have spent over 20 + hours on the phone with them. Having to explain my story over and over again to a new team member each time I call. Sometimes I will make great progress with one team member and ask for their direct ext. so I can follow back up with them. The problem is, the phone number freedom mortgage provides does not allow you to enter a direct ext. Once I got USDA directly involved, all of the sudden there was another phone number available for Freedom Mortgage where you do have the option to reach a direct line. This would have saved me many hours on the phone and a lot of frustration. My point of contact I was working with stopped answer my calls XXXX XXXX. It was until nearly a month later that I received a call from someone who let me know shes been on a leave of absence. This is affecting the amount of time left I have on covid 19 forbearance protection and I am asking for the last month to not be counted since no progress was being made.

I expect to either be grandfathered in to a term extention offer to bring my mortgage current or another option that does not affect my future of refinancing or does not cost me more money in the long run. I currently owe 6 months, I have been paying my mortgage monthly since XXXX. If Freedom Mortgage decided they weren't going to offer the term extention after they had spoken to me, I should have been called and informed so I could have made other arrangements. This needs to be dealt with, it has greatly affected my mental health and well being.

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 2021-07-14 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: NJ

Complaint narrative:
XXXX XXXX was paid and it is supposed to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Someone opened a credit card account in my name with Comenity Bank/Sony Visa. I have been in correspondence with representatives from Comenity Bank since XXXX, 2021. I have informed Comenity Bank that I did not open the account. The person who opened the account used my personal information and assumed my identity. On XXXX, XXXX 2021 I sent Comenity Bank a letter with the FTC Identity Theft Report. Comenity Bank has ignored my claims, stating that the information they have that was used to open the account is my information appearing on my credit report. Comenity Bank representatives continue to call in a harassing manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for a Credit Card with XXXX via Citibank NA. I received that card and have no problems with that account. 

About 3 weeks later, I received an unsolicited Credit Card from XXXX XXXX XXXX. This card is also issued by Citibank NA! 

It appears they are either opening a new account without my permission ; OR, have been hacked and someone is opening a new credit account in my 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 2021-07-14 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ON BEHALF OF XXXX XXXX  was Paid in full. The Collection Supervisor, XXXX XXXX stated, '' We will have account Deleted from all three credit reporting agencies when paid in full ''. ACCOUNT PAID IN FULL 2 weeks ago.

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 2021-07-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ON BEHALF OF XXXX XXXX  was Paid in full. The Collection Supervisor, XXXX XXXX stated, '' We will have account Deleted from all three credit reporting agencies when paid in full ''. ACCOUNT PAID IN FULL 2 weeks ago.

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