vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
care cr open this acct in XXXX, suspend billing in XXXX, XXXX cancel my acct, now i am getting calls from 3rd parties on this debt

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 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The amount is {$1500.00} This company XXXX  I have no knowledge of this, never had their services, and I also informed the company of this mishap and for it to be removed immediately. I have reached out multiple times, also this company sold my information to a collections agency I C System which is illegal to do. They are continuing to attack my credit and call me on a daily. They have been harassing me on a everyday basis, it also dropped my credit score tremendously.

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 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I would like to exercise my consumer rights to privacy 15usc 1692 ( a ) you have shown time and time again that your company is willing to violate consumers at all cost to help benefit whomever to help violate me further from obtaining consumer products.

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 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
I tried opening a USBank checking account. On the last page to create the account the website was glitching out and asking me to select a drop down menu that didnt exist so I had to finish the application over the phone. They took my XXXX $ opening deposit and created my checking account. 

I was surprised to see that several days later my account was ineligible for external ach transfers on the website. I called in and one of the reps falsely told me thats because ACH transfers cost 3 . After doing some more digging and talking to his manager, she told me the account was placed on hold because they need me to mail them my signature on a card. I asked this manager several times about the possibility of using an esignature service like docusign so that way my account & funds doesnt stay in hold for several weeks due to severely underfunded USPS delays in my area. I never heard back from her. ( to be fair I was working I think she called but no voicemail or email was left ). 

I spoke with XXXX and XXXX today who are helping me get an esignature. 

My whole issue here is that USBank is not doing a thorough job ensuring new clients are taken care of properly. # 1 The website application bad a bug where no dropdown existed for the question it was asking for. I'm a software engineer I tried multiple computers and browsers.

# 2 The website should NEVER say an account is not eligible for external transfers without providing an EXPLANATION. I found it super confusing because I went two more tabs over to the send money tab and all of a sudden I was able to send money to myself. 

# 3 Use docusign for new customers!!! I have been using docusign for my bank accounts for the last 15 years! Why would you rely on USPS when they have been significantly underfunded over the past few years. 

Im looking forward to your response.. and I hope my account is unlocked today!!!

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 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
I have written Arcadia Recovery several times, and disputed the current account multiple times with the credit bureaus and Arcadia. Arcadia has never sent me anything at all. This is a violation of the FDCPA, they have to validate the debt at my request. They used to have multiple accounts with the exact same account number reporting and have corrected that with the credit bureaus, but still have sent me nothing at all. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CALIFORNIA XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. CALIFORNIA XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 17. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Quicken Loans ( or Rocket Mortgage ), is incorrectly attempting to classify my house as a multi-family ; despite me having contradictory information from the town and willing to provide it and obtain it for them during the refinance process. 

On XX/XX/XXXX I was informed they where going with a multi family appraisal evaluation on my residence despite this and other inaccuracies on the appraisal report and rocket Mortgage didn't want to me to provide any documentation otherwise contradicting this ( as I had prior appraisals, information from the building department, brokers opinion, prior loan paperwork and more ) as this matter was considered closed. I was told they would not even refund my deposit ( paid XX/XX/XXXX ), I informed them that I believed this was even a form a fraud to which they didn't care and XXXX then asked that I refer any issues to the general number. 

My only options left today to are work with different banks at high rates ( as rates have gone up ) or go back with them and not get the correct financed amount and possibly pay a PMI and receive improper valuations costing me money in other ways. this mistake on their part, in addition to now costing me time, will cost me possibly tens of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I decided to close my Citibank checking account. I wrote myself a check for the remaining {$5000.00} and deposited to my XXXX XXXX checking account. A few days later, I logged in to XXXX XXXX  and saw the deposit and {$5000.00} available. I logged in to Citibank and the balance was {$0.00} ( as expected ). I then made the lengthy series of phone calls required to close the Citibank checking account. A few days after this, XXXX XXXX showed the {$5000.00} deposit had been returned along with a {$19.00} fee for bouncing the check. I logged in to Citibank and my transaction list shows NOTHING RELATED TO THIS and the balance is again {$5000.00}.

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 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates, LLC has refused to settled my debt. I paid my debt off on XX/XX/XXXX. I was served paper work for small claims court on XX/XX/XXXX. I called Portfolio Recovery Associates immediately on XX/XX/XXXX after receiving the papers. They assured me that the debt was paid in full and that they would notify the legal department and that they would send me a letter of pay off. Portfolio Recovery Associates told me to attend the court date and show the letter of payoff. I attended court to find out that the attorneys paperwork showed I still owed a balance. Another court date was given to me to be at for the same matter. The attorney directed me to call XXXX ( Portfolio Recovery Associates ) to take care of the matter. I got the run around again. 


Portfolio Recovery Associates LLC has repeatedly refused to mark the debt as paid for the courts. Court documents reveal that PRA, LLC has had the payment information on the pay off since XX/XX/XXXX. Repeated calls to mark the debt as settled have been ignored. 

Portfolio Recovery Associates LLC has needlessly damaged my credit, willfully ignored our requests and demanded payment AFTER the payoff. PRA LLC has harassed and refused to work with us. On the phone they say they will assist us, but there is never any follow up. The attorney for PRA LLC at the hearing showed a balance on the account. This PROVES that PRA LLC did not follow through.

Our credit has been damaged by PRA LLC and we need to be made whole while alerting honest citizens to their dishonest and ugly collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
Someone stole my phone and changed my cash app information to theirs. I immediately alerted cash app and told them what had happened. I have sent multiple emails asking them to close the account, if they are unable to close it, to move it back to my name. I provided them with the information they needed for the person that stole the account including user name. I have been emailing them since beginning of XXXX. They continued to have a new rep respond each time and ask the same information over, and over. then I was sent an email that it would be resolved in 30 day they had a higher than normal volume of complaint. Now they refuse to respond to a single email, they wont tell me if the account is closed, where my stimulus check is. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: IL

Complaint narrative:
Hello. I received notification that there was an application for a credit card that I have no knowledge and authorization of. I filled an FTC report for stolen identity.

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 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive been a chase customer for years. Last year I close my account they said I had a bill of {$1000.00} and I paid the bill in full. I reopened my account because I like the banking app and they have a lot of locations. I tried to send money with XXXX and it got cancelled I called in the morning of XX/XX/XXXX to make sure it doesn't happen again and they tell me my account will be close. They said I shouldn't have an account since 2015 but I've been banking with them for years. It doesn't make sense and they won't provide me any information. They are also very XXXX on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
A company keeps robocalling my job in an effort to seek payment for Medicredit? I have repeatedly told callers that there is no one here that they are looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: GA

Complaint narrative:
The company has not communicated with me timely nor have they attended to the appraisal appeal I did after the first appraisal. They are price gauging by constantly needing an appraisal that comes up higher than the last appraisal. So far there has been 3 appraisals. I've always managed to get necessary documentation to them in a timely manner ; however they can never seem to perform appropriate actions on their end in a timely manner, thus causing several delays that appear to be done on purpose. It appears that they have been purposely dragging the process out, as conveniently every 120 days they claim to have to do another appraisal, thus causing the cycle to start over and over again. I have sent my birth certificate into them 4 times under every cover that I can use. There isn't a specific point of contact to reach out to and communicate with. It is the proverbial runaround. 

My mother passed on XXXX and I have been trying to buy back her property for the last year to no avail.

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 2021-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted an online dispute with Equifax for the XXXX account ( Confirmation number : XXXX ), as the payment history, and account status was incorrect. I never heard from them. It's been well over 60 days. On XX/XX/XXXX, I submitted another dispute ( Confirmation number : XXXX ) advising them to remove the account, as it was inaccurately being reported. Still no response. Now all my positive accounts and some of my negative accounts from XXXX have been removed and they are reporting only 3 accounts which is negatively impacting my credit rating. However when I view my credit report from Equifax, I can see all of my accounts. I need my history back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
For the last 11 years, appoximately every 2 months, we continue to receive credit card/ pre-qualified line of credit applications for the previous occupant of our home. The offers are sent from BBVA, BBVAUSA.com, Reservation code XXXX. Former occupant was Ms. XXXX XXXX XXXX. I have no bank/credit accounts with BBVA- and have no interest in receiving any offers. 

-We have lived at our current address of : XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX, for 11 years, since XX/XX/2010. I have no knowledge of where Ms. XXXX XXXX currently resides. In addition to it being waste of time and USPS mail, it also indicates the potential for identity theft if someone else were to receive this and impersonate Ms XXXX XXXX information to request a line of credit at our address. 

We keep getting pre-approved offers for her, only from BBVA. I have contacted them multiple times to update their database/ address, but it never works. They have a contact phone of XXXX ; usually the call representative states that they will make a note of it in their database, but apparently that is not being connected to their direct-mailing / credit offer section. 

I have also called the " Opt-out '' phone 3 of XXXX to opt out of pre-screened credit offers, but again it does not seem to prevent these letters from BBVA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America still has not sent 1099 as of XX/XX/2021, even though they were required by law to send this statement as of XX/XX/2021. I have called them many times, and they say go to the website. I can not use the website since the account is paid off and I have no internet access anymore since the account is closed. 
I have had trouble with Bank of America not answering my questions for over 15 years, and this is not the first time they have been non-responsive. In the past I had two mortgages and asked them why the PMI on one mortgage when down every month whereas the other one never changed. They were never able to answer the question. When I paid off the last mortgage XX/XX/2021, they were unable to realize the mortgage was paid off until two weeks later, so I had to pay an extra month 's interest

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Biltmore Asset Management LLC
State: NC

Complaint narrative:
Biltmore has supplied erroneous information to an unidentified client of theirs. Biltmore is a collection agency operating under the premise of an employment verification company. In another complaint filed with the consumer financial Biltmore has admitted to supplying information to a client that they has not fully been vetted as accurate information. As a victim of identify theft this will further harm my identity and credit worthiness. Biltmore is acting outside of the laws of FCRA by reporting wrong information or information that has not been properly verified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There is an unverified late payment, paid charge-off, and collection that hasn't been validated that's on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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