vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hey, looking at my credit report on XX/XX/2022 there Is an inaccurate derogatory remark in my collections. I don't know this company. This is fraud. I have no knowledge of any of this or signed any documents with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I never made this application on XX/XX/2022. I never signed any documents for this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. your company refused to provide all information such as who the original creditor is as requested on my debt validation letter. your company refused to completely remove your business from my private consumer report. Your company also unlawfully reposed my vehicle without any merits whatsoever as I am the original creditor according to the XXXX. 
This has caused me defamation of character, severe XXXX XXXXXXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24 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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: GA

Complaint narrative:
I noticed a discover card reporting on my cred report. I immediately disputed the card which was deleted but now the company has reported it again on my credit. As a consumer that alerted them to identity theft, I have the right to fair and accurate credit reporting, they did not provided me with any of the requested documents per their investigation to validate that this card was opened and authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Please see the full details of my complaint in the attached email. 

I have listed all the details of my complaint, concerns, and issues, that I would like for you to review and help me in resolving. 
I appreciate you so. 
Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: MD

Complaint narrative:
I never made this application on XX/XX/2022. I never signed any documents for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: MD

Complaint narrative:
I never made this application on XX/XX/2022. I never signed any documents for this company.

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 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Mortgage XXXX : XXXX XXXX Refuses to entertain a Mortgage XXXX. 

We are in a Chapter XXXX bankruptcy to stop the sale of our home and have been making monthly payments ( {$2500.00} ) via the Chapter XXXX trustee portal system to this Mortgage servicer for over the past 12 months. ( Actual loan payments should be - {$1500.00} ). 

It should be noted that the Chapter XXXX Judge - required the Mortgage servicer to meet with us to review & consider a Modification. However when the Modification discussion/review occurred with XXXX XXXX XXXX the meeting lasted less than 10mins. 

XXXX XXXX reported when asked during this Modification Conference call - that they ( XXXX Servicing ) are not required to adhere/follow of the XXXXS government guidelines ( ie, Dodd/Frank ) XXXX And that they consider our mortgage account closed- but continue taking payments from the Chapter XXXX trustee funds and not to entertain any discussion with me. 

My question and request for guidance for CFPB is how can a mortgage company / servicer be above the law or government guidelines. And treat people this way. 

All my wife and I want to do is to be able to continue to make payments- obtain a modification and transfer away from this mortgage servicer to be able to keep our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I spoke with XXXX XXXX loan officer about refinancing my existing mortgage the property is located at XXXX XXXX XXXX XXXX with Loandepot. I gave XXXX XXXX my information to access my credit history. She informed me that Loandepot would be able to pay off my existing mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My car from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX account. I was eager to begin the application process, and I gave XXXX XXXX permission to proceed with the refinancing application. I also communicated with XXXX XXXX. She asked me if I have homeowner 's association fees for the property located at XXXX XXXX XXXX which is the bearer of the home equity line of credit. I told her I did not have HOA fees for that property. She also asked for tax receipt for XXXX XXXX XXXX which I submitted to her. XX/XX/XXXX, I spoke with XXXX XXXX by telephone. She was going over the final paperwork before closing, and XXXX XXXX specifically said that XXXX XXXX XXXX, XXXX, XXXX, and other creditors will be paid. We never discuss cash-out until XXXX XXXX mentioned {$43000.00} on that day. Closing was signed on XX/XX/XXXX. I received an email a few days later. It stated that I should continue paying my bills until payment was funded to the creditors. I kepted checking my online banking accounts to see if my creditors were paid. On XX/XX/XXXX, I contact XXXX XXXX to inform her that my creditors were not paid. XXXX XXXX emailed me XXXX XXXX email address. I let XXXX XXXX know that my creditors weren't funded. She replied, " your mortgage is paid, and you receive cash out ''. I told her that the agreement was to pay off the creditors. I was misled through the entire refinancing process, and the ramification of their deception will set me back financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted my property tax record showing that the tax exemption for being 100 % disable veteran was in effect. I recieved an automated email stating I would get a response in 7-10 business days. I called Flagstar on the 10th business day when I had not received a response. The individual on the phone told me they would not be running a escrow analysis on my account since it was so close to tax payouts and that the form I submited was not valid because it listed my tax amount a " N/A '' instead of " 0 ''. I called my county office to get a document showing zero and the tax office said they could not produce that. In there system we are exempt from the taxes and that reflects as N/A. I don't know how to get these tax withholdings taken off of my account. I purchased this home in XXXX  and have now spent 6 months battling with the bank to take off the property taxes. Please help.

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 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: CA

Complaint narrative:
I have an opened account on the Albert App saving Platform and the company refuses to return control of my funds. I am unable to withdraw, spend, transfer or otherwise make use of in any shape form or fashion the {$41.00} that this app has taken control of. The bank account that was first linked to the account was closed years ago and Albert refuses to transfer the funds to any other linked deposit accounts that have the same name and contact information as the closed account. Despite my numerous attempts to contact Albert ( they have no phone number to call and only offer text based support ) they are firmly and decidedly rooted in their demand for a bank statement for my closed account without regard for the hardship and distress that reopening lines of communication with this institution would bring me. I do not wish to very this account with them. I want to delete it from my profile and take back control of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
on XXXX XXXX, i went to TD bank branch to do wire transfer. i did the wire transfer. i was told the wire will be available by XXXX XXXX after XX/XX/XXXX, i contacted TD bank telling them the Recipient didn't get the money. i was told the bank will investigate. kept calling every few day and every time i get different message. about XXXX XXXX received call from TD bank stating the wire was returned due to recipient bank doesn't receive money in US Dollar. i told them i always send money to the same account using other banks and never had issue. i said okay when will the refund will be available in my account, they said 3-5 business day. until today i still didn't get the refund. i call 2 times a week. every time the bank say something different. first they said the wire on hold with the Recipient bank. i contacted the Recipient bank and they said they never received the wire. nothing in their system shows the wire was received or retuned or rejected. the Recipient bank did check and told me the wire in hold by XXXXXXXX XXXX in XXXX. i contacted TD bank and i said the wire in XXXXXXXX XXXX and they said ohh yeah XXXX XXXX  is our middle bank and we will investigate. since then nothing happened and every time i call, no information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My mortgage started out with XXXX XXXX XXXX on XXXX of XXXX. It was transferred to XXXX XXXX XXXX in XXXX. It has since been transferred to Carrington Mortgage Services in XXXX of XXXX. As of XXXX Carrington Mortgage has told us they received a tax bill for over {$3000.00} with a new loan number. On XX/XX/XXXX we received a letter from Carrington ( advance notice of late charge ) the letter is dated XX/XX/XXXX air USPS mail. This is the 1st letter we received with a new loan number from Carrington Mortgage ( see attached ). We have records and we have received from our property appraiser XXXX homestead receipt where it specifies I have homestead exemption as well as total XXXX. We went to the property appraiser 's office ourselves and verified that we don't owe any taxes. When we contacted the military liaison ( supposedly ) office They said that they received a tax bill for over {$3000.00}. On XX/XX/XXXX we sent in our XXXX payment of {$680.00} which includes principle and escrow which is what our payment has been since XXXX of XXXX. And we already have a payment scheduled for XX/XX/XXXX for XX/XX/XXXX 's payment. This amount of XXXX has already been taken out of my bank account yet Carrington tells us that they are not applying it to our mortgage. ( Please refer to Carrington Mortgage reviews ( lies and fraud ) ). I am a 100 % XXXX veteran so where I live I pay no property Ad valorem taxes, only non-ad valorem which is in the amount of {$330.00}. refer to all attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX I contacted each company individually and was told to contact the credit reporting companies directly.After my dispute I received mail indicating the inquiries where verified, they provided no explanation of verification/investigation process, no evidence of any signed documents or authorization form me approving these inquiries and provided no open accounts to the reference for any of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: MI

Complaint narrative:
I have a open dispute with experian. I have mailed countless letters to experian about these unverified invalidated alleged accounts. These accounts are to be verified by law per TILA FCRA 609 ( a ) ( 1 ) ( A ) through the original signed consumer contract. Experian refuses to provide me with any and all documents used for validation and verification. Experian representative on call XX/XX/22 XXXX. has told me experian is verifying accounts through XXXX XXXX 3rd party data collecting services, funny thing is Ive already opt-out and did a total security freeze on any fraudulent information that XXXX XXXXXXXX has illegally obtained because I have never done business or signed any contract with XXXX XXXX to house or obtain any personal information. This is total conspiracy. Experian refuses to keep their honor with the people and thats to protect the rights of the consumer, to validate alleged accounts or inaccurate information. They are leaning heavily on a e-Oscar system for validation and verification that has shown to be obselete and damaging when fraudulent information has been put into the system. I demand to see all required documents used for validation on disputed accounts. Someone needs to be held responsible for this irreparable harm that this company is causing millions of people from negligence to do what theyve been illegally placed to do, to investigate validate and verify any and all complaints of the consumer about their consumer report. I demand to see my original signed contract from these alleged accounts from the creditors I have no knowledge of and any personal information that is not accurate needs to be removed immediately! There are laws in place for reasons Experian is not above the law!

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 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I received the below email from my vendor, XXXX XXXX. It came from the correct email address for XXXX XXXX, the owner of XXXX, and requested payment for an invoice that I owed. XXXX had previously sent me the invoice from this email address with this subject line, however the email below did not come from him. Apparently someone accessed his email and sent me the below email with attached ACH payment instructions. After corresponding with this person I believed to be XXXX, I subsequently paid the invoice for {$30000.00} using these instructions. The instruction were for an account with Bank of America. On XX/XX/2021, I attempted to pay a second invoice using the same instructions. When it did not go through, I contacted XXXX. He told me the emails did not come from him and that he had other clients who received similar fraudulent emails and had also sent money. I attempted to dispute the transaction through my bank ( XXXX ), but they refused to investigate. I also contacted Bank of America who would not pursue investigating either, but did tell me the account was a BOA account and that it was not in the name of XXXX XXXX. I questioned how they could receive funds payable to XXXX if the account was not in the name of XXXX and they refused to comment. I filed a police report through the XXXX XXXX XXXX XXXX XXXX Police Department and told XXXX and the other parties to do so as well. Bank of America has refused to take any action on their claims either. It is beyond my comprehension why Bank of America will not investigate whoever opened this fraudulent account. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/2021 XXXX PM To : XXXX XXXX XXXX Subject : XXXX : XXXX XXXX XXXX XXXX  - First Payment invoice Importance : High XXXX, XXXX up regarding the attached invoice. As you can imagine, the collection of all outstanding payments has a unique level of urgency. We made upgrades to our billing system and with this we will be required to update our banking information with all our associates, All invoices should be processed via ACH payment only as we would not perform any check or Credit card transactions. 



Do you have the ability to process the payment via ACH transfer so i can provide you with our effective banking information? 


XXXX XXXX | XXXX XXXX m. XXXX o. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in XXXX as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for Capital One Account number XXXX. This is a violation of XXXX XXXX XXXX XXXX ( XXXX ) ( B ) and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX is reporting an inaccurate payment history ( 60 day late XX/XX/2021 ) with no prior late payment. They will not allow me to speak with anyone in their credit reporting department. 

XXXX XXXX toll free number ( XXXX ) which identifies itself as their " credit bureau reporting department '' does not provide me with a live person, nor does it give an option to discuss the inaccuracy. The message directs me back to the credit bureaus and then, abruptly hangs up. 

The credit bureau - Equifax - will not conduct a proper investigation. They are not providing me with a complete and accurate report. They will not contact XXXX to verify account information. Will not conduct an investigation as required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation