vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
I settled a debt with National Credit Adjusters ( per attached letter ). They agreed to remove the balance and show it as " paid in full '' on the credit reports. They simply reduced the balance by the settlement amount I showed and reported THAT BALANCE to the credit bureaus. 

This is a violation of federal law including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: UT

Complaint narrative:
Never applied for a card and you sent me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
XXXX Chase bank- a collector from Chase bank called and told me that I owed a debt for my deceased roommate ( not a relative ). The collector told me that they were going to put a lien on my property ( car ) and bank accounts until the debt was paid. 

I told the debt collector that I didn't know anything about the debt. I told them that I do not owe his debt and that he is deceased. 

This call upset me so much, I went to the manager of the apartment and told her what happened. She helped me call chase to report this. During this process the person at Chase hung up on my manager twice. She finally got through to the manager, XXXX XXXX. 

The agent was rude to me and rude to my manager. I want to report this because I do not want it happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: AR

Complaint narrative:
My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) XXXX {$400.00}

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 2020-08-27 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: AR

Complaint narrative:
My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX {$400.00}

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 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Notified by Portfolio of debt owed. Asked for proof of debt. They could not provide proof of debt. I asked them to cease all communication with me since they could not or would not provide documentation. Continue to constantly mail and call even though they could not prove debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: AL

Complaint narrative:
My loan was sold to Arvest Central Mortgage Company from being originated with XXXX. XXXX booked and serviced the loan for approximately 3 years before selling to Arvest. Since I have no control over the servicer of the loan, I have no control over rejecting this change. The new servicer Arvest charges fees which were not originally disclosed to me when I agreed on my loan. Arvest charges a fee to make an online payment, a fee if a billpay is sent in from my bank ( since it will not have a payment coupon ), and the latest I've been made aware of, a fee for requesting a payoff letter. I am currently refinancing my loan to get away from this company and I'm hit with a {$15.00} fee for the payoff letter required. So, not only am I told I have to pay a fee to pay my loan unless I choose to setup autodraft I have to pay a fee for the mortgage company to get the payoff quote to pay off the loan. I explained to customer service autodraft is not an acceptable solution to avoid a payment fee. When an autodraft is set it will come out the first of every month but I may get paid on the XXXX of the month depending on how the weeks work out. If I wait to the autodraft then I would be paying 11 days of interest accrual in order to avoid the make a payment fee so that unfairly penalizes me in either situation ; this does not seem lawful in any way. Further, Arvest charged my account {$15.00} for the payoff letter but did not first have my permission. As I explained to Arvest, they should have called me and said, this information has been requested and we charge a {$15.00} fee to fax the request, do we have your permission? I would have said no, I will take the free alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent Equifax evidence of the frivolous accounts they are reporting on my credit report. 
Equifax refuses to properly investigate the errors being reported on my credit report. 

1. XXXX XXXX XXXX XXXX 2. Public Records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Today XX/XX/XXXX is the 3rd time PAB-HOLLISCOBB, has contacted my place of employment, I ask them to DO NOT CALL my work, earlier this week. Plus we have another employee w/ the same 1st name, and she received the call. They called again today, I know I have medical bills, due to XXXX XXXX injury in XXXX. However, the bill they are calling about should have been handled with my insurance, But my complaint is them continuing to call my place of employment after being ask not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
My loan originated with XXXX XXXX, XXXX. on XXXX. In XXXX, I applied for COVID-19 hardship forebearance, due to less income at my job and my spouse being laid off. I got a 3 month forebearance, and I was told over the phone and in writing that my 3 months would be applied to the " back of the loan '' with no penalties. At the end of the term, I discussed the plan and was told that the agreement stands, and that I would be getting papers to sign to have an interest free balloon payment at the end of the loan. Instead, I got a letter saying that my mortgage was sold to Midfirst Bank or XXXX  XXXX DBA Midland Mortgage. It was stated in the welcome letter that I would have access to my mortgage and ability to make a payment on XXXX. I then received threatening letters dated previous to the date of XXXX stating the mortgage is in default. I called on XXXX to pay my mortgage ( which I did ), and i was informed that NO RECORD of my agreement with XXXX XXXX  was noted. They agreed to put me in THEIR COVID-19 relief program, and even though I was already enrolled AND approved in XXXX XXXX  's program, the new company is not insuring that this would be approved, and they have been making the process extremely difficult. I feel that this is horribly unfair, considering that I was previously approved, no questions asked, and it is in no way MY fault that XXXX XXXX  decided to sell my mortgage to a smaller company. Due to my interactions with Midland Mortgage I do not feel as if my mortgage is being serviced properly, I also do not believe that they are equipped to handle the COVID crisis as well as a larger bank would, I feel as if my mortgage is in jeopardy.

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 2020-08-27 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My husband and I have been trying to get a freeze lifted on our credit reporting files for over a week. All three major credit reporting agencies have forced us to jump through a ridiculous number of unnecessary hoops to get this done. They have all forced us to answer ridiculous questions supposedly to identify us, when they already had more than enough information to do so. Experian was the worst of the three.  Today, XX/XX/27, my husband and I made our final attempt to contact Experian and miraculously we were able to speak to a human instead of being routed in a circular manner right back where we started. I spoke to a man named XXXX. He refused to give his last name, or where he was located. He finally gave me an ID number, XXXX. I had researched answers to some of the ridiculous questions the other reporting agencies had asked, so I was ready for most of them. After going through the ridiculous questions I told him I wanted to remove the freeze on my account. He paused for a few seconds and then told me there was no freeze on my account. I told him that some lenders had told me there was a freeze. I said, so you are telling me there is no freeze and he said yes. Then I asked when a freeze had gone into effect and after another pause he said, " oh yes, there is a freeze ''. He agreed to lift it and gave me a confirmation number, 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 non-monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I currently have a loan with cash call mortgage. cash call did not provide my note in the closing documents. 
Therefore, when I went to refinance my mortgage I could not complete the refinance without the note. I called cash call on several occasions and they promised me they would send the note. Finally, I realized this was done on purpose to keep me from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian dispute did not remove XXXX XXXX from my credit report. This company was paid, given their property back and included in a bankruptcy and they are still showing I missed payments. It should show never missed a payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I do not recognize these inquirers on my credit report and requested the XXXX to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with XXXX and Equifax the response is automated stating the information is verified and never investigated. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX IN XXXX {$700.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX  XXXX XXXX {$3800.00} XXXX/XXXX  XXXX {$920.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX  XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUTCY DISCHARGED XXXX {$0.00} XXXX/XXXX   XXXX {$2900.00} XXXX XXXX {$610.00} XXXX/XXXX  XXXX {$34000.00} XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$27000.00} XXXX/XXXX XXXX {$0.00} XXXX  XXXX {$610.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I NEED COMPLAINT XXXX REOPENED This is NOT ok I have yet again called BRIDGECREST. Time and date stamp before their phone hung up on me : XX/XX/XXXX XXXX total of 14 min. 

Provided the information THEY asked of me to do in the previously filed CFPB complaint XXXX which was call them. Got some poor girl who answers calls, she listened to why I was calling, placed me on hold to speak with the Debt collection department. I assumed she was transferring me, she did not. She got back on the phone to say, they needed my updated address because the letter they mailed was sent to the wrong address. ( funny because I moved XX/XX/XXXX and have mail forwarding. I also just recieved a letter from them today dated XX/XX/XXXX for unknown reason.i will scan and upload here ) I again let her know that I was calling because THEY wished I call them again and the CFPB NOTE to speak them about a removal of the account in question for an goodwill gesture was from a XXXX XXXX She attempted to research their employee directory for this individual and said she doesnt exist in BRIDGECREST nor XXXX. 
So then I asked if she could just transfer me to that debit collection department that I kept being placed on hold so she could attempt to get an answer. I was told that they do not take public phone calls. THIS IS WHY CALLING THEM IS IMPOSSIBLE AND ITS EASIER TO EMAIL AND MAIL CORRESPONDENCE.I HAVE EVERY SINGLE LETTER THEY HAVE MAILED AS PROFF THAT THEY ARE GETTING MESSAGES FROM ME. 

So now what? I have been lied too, cheated, and harassed by BRIDGECREST. I demand a letter showing the deletion of this account within 5 days, email and mailed, or we will be filing suit. XX/XX/XXXX for multiple FRCA violations. 

They have yet again received my address, and also have my email address since I have XXXX emails from them as well. But here it is again. XXXX XXXX XXXX, XXXX XXXX, NV 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 2020-08-27 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) : please remove this because the balance is INCORRECT CREDIT COLL ( Original Creditor : 06 XXXX ) XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX please remove this because the date of last activity is inaccorect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX   ) : please remove this because the balance is INCORRECT CREDIT COLL ( Original Creditor : 06 XXXX  ) XXXX THIS IS NOT MY ACCOUNT XXXX XXXX   XXXX please remove this because the date of last activity is inaccorect

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have tried to close this citi card account more than 5 times. I have spent collectively more than 5 hours on the phone with Citbank about this as they continued to charge me despite confirming on the phone that the account has been closed. This is the 2nd complaint I am filing with the CFPB about this. While citi bank did refund me the money that was charged after the account has been closed- it appears from the email photo I have attached, that the account is in fact still open. 

We are now more than 4 months into my process of requesting the account be closed permanently. On XX/XX/XXXX, they emailed me saying the account was closed. Clearly this is not the case. 

I will never open a card with this company again. I am enraged that it has taken so much effort to close a credit card.

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