vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 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: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by EXPERIAN. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : US SM BUS ADMIN ODA-Date of inquiry XX/XX/XXXX 2020

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 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My parents passed recently and I am the executor of record with XXXX XXXX County through probate. There is a mortgage recorded XX/XX/1996 that no satisfaction of mortgage was filed for yet for a mortgage with the same bank, XXXX XXXX, that has folded, Ocwen filed a release for. There have been numerous mortgages after the fact but because we can not get the SMO for the 1996 mortgage, we are unable to sell the home as title will not clear. Ocwen requests proof of payment from me for a mortgage of over 24 years when the house has been emptied for 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: HYUNDAI CAPITAL AMERICA
State: MS

Complaint narrative:
In XXXX of this year I was looking for a car. The company I went to ran my credit several times and put 10 hard inquires on my report. I asked them were they steady running my credit they said no but when I looked at my report I have it on there several times. XXXX XXXX in XXXX Ms. Im trying to attempt to get some of those hard inquiries off my credit because Im trying to boost my credit score to get a house.

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 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021 I was informed that my account would be closing and all debit cards was blocked and I couldn't retrieve my online banking account. I was told by numerous representatives from the Fraud department to go into a Citibank branch to withdraw my funds. They all knew that I lived in XXXX XXXX XXXX not XXXX XXXX  XXXX, 6.5 hours away 9 hours by XXXX bus which I took from XXXX NY to XXXX XXXX XXXX on XX/XX/2021, paying {$150.00} round trip to the Citibank branch at XXXX XXXX XXXX XXXX, NY. This has been going on for almost a month now. I went to the Branch and Citibank would not release my government funds. Citibank is holding my New York State Unemployment checks deposited into my account during this Pandemic. I was sent across State on lies being told by many representatives. The bank manager at the XXXX location in XXXX XXXX, NY also spoke with the Fraud department letting them know that they are misleading customers and holding on to Government funds belonging to a customer. She asked that they refund me as soon as possible. I followed up on Friday XX/XX/2021 and I am still getting the run around after almost a month. I am sickly and traveling when I shouldn't be to retrieve my funds back from Citibank. I had to borrow funds to get to XXXX XXXX XXXXXXXX to the branch and I had to borrow money to feed my children for 2 weeks. Too much pain and suffering. I also borrowed the money to get to the branch just to find out that Citibank lied to me on several occasions. I traveled to XXXX XXXX  XXXX with 3 XXXX XXXX in my XXXX, weak from very low XXXX XXXX, but I had to do what I had to do but was done on lies coming from Citibank representatives.

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 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Good day. I have been asking the company Chime Banking to close an account that I did not open. There has been activity that I did not authorize and am getting emails about acct activity. They gave me a hard time and wanted a copy of my ID to further add to the issue at hand. After threatening to file a complaint they finally closed the account. I have since been sent an email stating that they have been trying to deliver a banking card but failed. I have attached the latest email I received from Chime yesterday. I have yet to hear from them and since this is the second time I have asked them to close this account, further action must be taken. Please assist me in this clear fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: FL

Complaint narrative:
I requested multiple loans and I was expecting to sign an agreement before receiving a disbursement. Only one loan fit my expectations, with XXXX XXXX. All other loans offered funding at a later date that didn't work for me. I was surprised when I see {$1000.00} in my account. The money I requested was intended for moving. I moved on XX/XX/XXXX but they show I signed the agreement, electronically on the XXXX. I did not touch my computer on the XXXX as it was the day after I moved my furniture and I spent the day organizing. It wasn't until recently that I look at this agreement. This company is not only withdrawing funds from my account, they are charging me 785.68 % interest rate. I can't place a stop payment because they use random check numbers. These company 's practice is fraudulent and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Several months ago i tried to get a old Kohl 's account removed from my credit report. I tried several times disputing with the credit bureaus and nothing changed. I called and spoke to Khols and tried to get it removed but instead the added a charge off to every month from XXXX to XXXX. That dropped my score 50 points over night. I tried again to speak with them and a associate # XXXX agreed to do a pay for delete. I paid the overdue balance and was immediately told that they do not do that. They agreed to this on their own recorded line several times but refused and still refuse today. I paid the balance as agreed, now the need to remove it from my credit report like they agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America ( BOA ) refuses to remove PMI from my loan. I borrowed {$280000.00} in XX/XX/2019 against a property that was valued at {$320000.00}. 

The property is know worth, {$380000.00} and I owe BOA {$270000.00}. I loan balance is now far less than the loan to value ration of 80 % and they refuse to accept a valuation or to remove my PMI as the loan was originated less than 2 years ago. 

This is unreasonable and flies in the face of the reason why PMI is required. I would like assistance is having the PMI removed.

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 2021-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 I reached out to FIFTH THIRD BANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by his supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by FIFTH THIRD BANK. Shortly after completing the transaction, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to FIFTH THIRD BANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that XXXX XXXX has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Good morning, On XX/XX/2021, my car was struck by a vehicle. I filed a claim with the drivers insurance company, XXXX, on XX/XX/XXXX. On XX/XX/XXXX, XXXX deemed my vehicle a total loss. XXXX contacted my leinholder, Westlake Financial to obtain the payoff amount on XX/XX/XXXX. Westlake Financial released my financial information to XXXX with my consent or granted authority, on XX/XX/XXXX. 

I contacted Westlake Financial the morning of XX/XX/XXXX and was offered no information regarding their authority to provide my personal and financial information to any parties. This has caused a significant stress on an already adverse situation regarding my health and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Regarding : Southwest Credit Systems , L.P. at XXXX XXXX XXXX Southwest Credit Systems placed a {$43.00} collections account on my credit report on behalf of XXXX XXXX. XXXX XXXX reached out to me before this bill was sent to collections and notified me that I was in fact delinquent ; I paid off the bill in question, again before I understand this account was sent to collections. 

Nevertheless, the tradeline was sent to Southwest Credit Systems who reported the account to the Credit Bureaus as collections activity. I filed a dispute with Southwest and indeed the tradeline was found to be paid in full. Now the account sits on my credit report erroneously, dropping my credit score precipitously, and preventing me from qualifying for a mortgage. 

Please help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CORELOGIC INC
State: NJ

Complaint narrative:
Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called XXXX. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a 620 score, so I was in the range from 630-635. However if you read the attachment from XXXX, they used a company called Corelogic Credco, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from Equifax of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the 500 range. Ive attached XXXX/XXXX  and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.

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 2021-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My vehicle loan is currently paid in full. I have emailed ALLY twice so far ( XX/XX/XXXX and XX/XX/XXXX ) and have received no response. I have called them on XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, and twice on XX/XX/XXXX. On the last call, ALLY claimed they had not received an odometer statement from the dealership. That was found be be a lie and the dealership emailed another copy of the document, yet again. I have filed a XXXX  complaint to get this fixed, and Ally financial responded to the XXXX  with " Due to privacy concerns, we are unable to provide you with any additional details in this matter. We thank you for taking the time and effort to bring this issue to our attention. If we can be of further assistance, please contact us at 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 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Innovative Recovery would verify the debt. So I took it upon myself to ask Innovative Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with MBA LAW plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX JUST MOVE XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Convergent Outsourcing sent me email that my account with XXXX. I settled the debt with Convergent Outsourcing. Then XXXX kept sending me emails saying that I owed a balance still. The email from XXXX also said that I would be sent to collections. I thought that was kind of strange. I called XXXX and was told they never sent my information to collections. I paid XXXX to Convergent Outsourcing thinking I settled the bill. This was paid on XX/XX/XXXX. I also want to submit a complaint against XXXX for my information not being kept secure.

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 2021-07-23 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: IN

Complaint narrative:
I have spoken to all 3 bureaus 5-6 times over the last 6 months. They refuse to help or make their wrongs right. XXXX after a year is now reporting my XXXX  XXXX authorized user account as it is suppose to but the other 2 have failed to do so. Along with that I have been fighting XXXX over an identity theft that has caused all 3 bureaus to place several things that were not even the proper name on my report. They have removed most of these items but only after reporting to this company. There are still 2 inquires on my transunion that are fraudulant one from XXXX and XXXX. The companies verified them to be fraud and that was 6 months ago so why are they still on here but the others from the same place for the same reasons were removed as they should have been. My acct number ends in XXXX for my XXXX XXXX account that was suppose to be added over a year ago. XXXX has now fixed this and added it but the other 2 have not. A YEAR OF TIME AND WORKING TO BUILD CREDIT AND THEY HAVE PLACED ME 10 STEPS BACKWARDS FOR THIS ERROR ON THEIR BEHALF. It is keeping me from being able to purchase the home I need for my 3 children. This needs to be fixed. There is also a new account added last month that should be showing up and I worry with all the mistakes they make that it too will not be added. These bureaus have destroyed the last 6 months of my life because they are not doing their jobs properly and I would like to sue them for all the fraud that they allowed to be placed onto my reports.

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 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I sent a response letter to the collections agency and the company have not validate the debt. Printouts of a bill or itemized document does not constitute verification nor validation of the debt. They have not supplied proof of a signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Nor any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting as a collection account with a balance, however this account has been paid in full. Attached is the payment receipt for the adjusted amount reporting on my credit report. It was paid the collection financial firm that it was directed to. I am requesting immediate permanent deletion from my credit report without prejudice.

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 2021-07-23 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXG Inquired on XX/XX/XXXX 2020

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