vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
Carrington Mortgage Services is my current mortgage servicer. I normally pay this mortgage by the XXXX of each month. Over the past 6 months, I am getting debt collection calls during business hours on my cell phone asking when I will pay the mortgage. I am not 15 days past due on the mortgage. This is harassment to call me on my cell phone during business hours. I have asked them more than once to stop calling me unless there is a 30 day late. The account representative is extremely rude on the phone saying my payment is due on the first of the month and they will continue to call if I do not pay on the first of the month. I should not get debt collector calls like this. I was laid off during the pandemic from my job and unable to collect unemployment because I could not get through on the phone. I was out of work for three months. During this time Carrington Mortgage services offered NO assistance. They told me to apply for a loan modification and I submitted the paper work etc. I was able to make the payments and my mortgage is current now with no assistance from Carrington Mortgage Services. I asked if they would consider helping me with the credit reporting based on the fact that I could not get through to unemployment to get funds. They refused. I am working with a credit repair company now to get my credit scores back. This is very poor service. They are harassing me during working hours each month if I do not pay on the first of the month. How can I get these calls to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: AR

Complaint narrative:
I sent my dispute letters several times to the credit bureaus but until today I still have not received any results. Here are the accounts : XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX & XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # : 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 2021-07-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent my dispute letters several times to the credit bureaus but until today I still have not received any results. Here are the accounts : XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX & XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # : 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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
NCB management will not harassing me. I sent them a Cease and desist certified mail which they received on XX/XX/2021. They keep sending me invoices for an alleged debt they dont even have the authority to collect on. My credit shows XXXX as the owner of this alleged debt. I have asked numerous times for them to stop contacting me and sending me items that dont even qualify as debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have attempted several times to get this debt validated by this company and they still have not done it. My first attempt was XX/XX/2021 by certified letter. My second attempt was 30 days later. Per FCRA rules, if the debt isn't validated within 30 days, the company is supposed to delete the debt from my credit profile with all credit bureaus. The FCRA rules are NOT being followed, which is why I have filed complaints with the CFPB, FTC, and XXXX and at this point I am also well within my rights to contact an attorney. The company stated in my last complaint that they sent the info that I requested for validation ( full name, original contract, original signature, full date of birth, full social security number ) but I have NOT received that info. I do believe that was a tactic by the company in order to close out the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: OH

Complaint narrative:
XX/XX/21 several companies including roadie, XXXX, XXXX, XXXX, ran a background check via checkr an I was denied employment. I contacted each company an explained that checkr does not have my written consent to store my credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX  I had 6 Transactions totaling {$1800.00} stolen from my business account from someone who had spoofed my Crypto.com account. I attempted reaching out to the account holder and after a very short period of time was told the funds would not be returned to me. I tried explaining what had happened and how all of my accounts had been compromised. They explained they were not responsible for the fraudulent activity and again refused to return funds. I am demanding that a site with little security be held responsible for the money and return these funds to 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 2021-07-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On Friday XX/XX/XXXX, I requested a wire transfer to a bank in the XXXX. That process required me to stop, twice, and enter a code that was texted to me. At the conclusion of that process, I received a receipt confirming that the wire had been successfully initiated. 

On Sunday, about XXXX XXXX  I received an email- [ NO PHONE CONTACT WAS ATTEMPTED ON EITHER MY LANDLINE OR MY CELL ], telling me that there were problems with the wire, and to contact an office that was closed, and would remain closed until the next business day. I immediately tried to go online to connect with the Fraud Unit, only to discover that BofA had LOCKED ME OUT OF MY ACCOUNT. 

I have been a customer of BoA for 25 years, I have run millions -MILLIONS of dollars through the bank, and in an instant, they have destroyed any trust I had in the bank. What if I were in XXXX, in an ER and needed access to my account? What If I needed to get funds to my child on an emergent basis? These careless, thoughtless actions have real consequences, and if their teams don't understand that they need to immediately and completely reconfigure their training. 

I invite you to listen to the Sunday call, and the call I just concluded on Monday with their Customer Service team for details, and to get just a glimmer of how deeply upset I am with BoA. Not just for the wire, although it seems they rejected it for unspecified reasons, but for allowing an associate, who did not even attempt to call me, to be able to lock me out of my account without any supervisory review, at all. And that BoA apparently does not allow customers 24/7 access to their fraud unit. That is patently ridiculous for a global banking institution.

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 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am having some issues. After a close investigation of my credit files, I state for the record that there have been unauthorized Credit Report Inquiries made on my Account by the entity XXXX XXXX on XX/XX/2020. I've never authorized XXXX XXXX to get access to my XXXX XXXX. 
Pursuant to USC Title 15 section 1681 n Civil Liability for Willful Noncompliance the parties are responsible for noncompliance with the FCRA. It states, a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
For months I have been charged {$1.00} for balances under XXXX cents and I have been told this is the interest ( 11.24 % ) on my account balance of XXXX cents per month. It is not identified as interest, it shows on my statement a 'minimum charge '. XXXX charges my credit card {$1.00} every month regardless if there is a balance or not. Credit Card representatives explain this 'minimum charge ' as the INTEREST charge on my card. 
Can a credit card company charge me every month regardless of a balance? I have never heard this done with other creditors I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Original creditor : 12 XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX DE XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. CROSSCOUNTRY on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
The Payment of {$500.00} was sent directly from my bank checking account on line to Barclays Wyndham Visa credit card on XXXX to receipt on XXXXwhich their bank XXXX XXXX cashed. Barclays 's is denying receipt of such payment. Now after several months of calls and sending proof of the payment by fax and regular mail, they are still charging me the same {$500.00} and now they have including penalty fees and are threatening my credit. I'm worried they are trying to damaged my. credit and they are robbing. Please help me. I have tried and tried to solve this impossible stressful issue.

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 2021-07-15 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: TX

Complaint narrative:
This is my 3rd submitting a dispute request via the CFPB about XXXX  and Equifax simply because these ( 2 ) bureaus are NOT responding to my disputes ... Please delete this negative debt especially since you all can not even verify it ... By law you have 30 days and its been almost 4 months. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
I XXXX XXXX has been abuse and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. XXXX  XXXX XXXX, XXXX. has cause injuries to me by violating the Fair Debt Collection Practice Act that was set into place to protect the consumer from such abuse. On XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692i ( b ) by filing sue against me the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( 3 ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at an unusual time and place which known to be inconvenient to me the consumer. Also on XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( a ) ( 3 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at my the consumer place of employment where such communication is so prohibited. XXXX  XXXX XXXX, XXXX. violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 3rd submitting a dispute request via the CFPB about Experian and XXXX simply because these ( 2 ) bureaus are NOT responding to my disputes ... Please delete this negative debt especially since you all can not even verify it ... By law you have 30 days and its been almost 4 months. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XX/XX/1984 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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: STONEGATE MORTGAGE CORPORATION
State: CO

Complaint narrative:
On or about XX/XX/2021, I was to sign my closing documents. Unfortunately, reading the documents with the notary, the numbers that I was given, and the closing costs and my new payment were wrong. 
I was also told that my request for not having my homeowners insurance put in an impound account would be granted. That was the same as my previous mortgage company. I told the notary that I could not sign these documents. As the notary was leaving, she either called or was called by the broker, Modern Mortgage. XXXX XXXX XXXX and XXXX XXXX, representatives of Modern Mortgage, wanted to speak to me. They told me that I had to sign and that everything would be taken care of then. Foolishly, I believed what they told me. A few days later, I called and was told that they were working on everything. I was told someone would get back to me. I called the new mortgage company only to find out that I would have an impound account. I was also told that Modern Mortgage should have been aware of that. After calling Modern Mortgage several more times and being told that XXXX would get back to me with that not happening, I began to look for help. I filed a complaint with the XXXX XXXX XXXX After several attempts to contact Modern Mortgage, the XXXX  stated that they were not responding and nothing could be done. As a XXXX veteran, I trust in people who claimed to be working with the VA, only to be lied to and lose money. This should not be allowed happen to again to anyone.

Company response to consumer: Untimely response