vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit agency is listing multiple fraudulent companies that do not exist as my employer. This has caused multiple issues for me regarding background checks and credit inquiries. I have never worked for any of the employers listed in my file. Nor has the credit bereau been able to produce supporting documentation that they have verified the documentation of anyone who has added these false employers to my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
They scammed me on cash app, they asked me to download XXXX app and they started manipulating my phone. They asked me to removed my card bank on my app, they gave me a new card number but i cant see it on my cash app. Then they asked me to add cash {$100.00}, {$100.00}, {$59.00}, {$59.00}, {$50.00}, {$49.00} the total amount of {$410.00} i added cash. They asked me to transfer money to my husbands cash app and asked me his last 4 social security i gave them. When i came to realized that those people are scam i requested the refund from my husbands cash app. And came to re-transfer it again and transferred in our account. Yesterday when i checked out my account i seen those people took the money. The date was XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Greetings, I sent dispute letters to the credit bureaus because they have inaccurate information on my credit report that is affecting me. I have an account in repossession that is not, I have may car, I paid it in full. 

I have inquiries I didn't authorized and negative accounts that should not be there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX XXXX, 2019, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  XXXX The report does not include information about the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MS

Complaint narrative:
I asked them to stop call told them my brother was XXXX and I did not give authorization for them to contact me and at least 3 to four times a month they call me ... I say the same thing this is not his number and he is in XXXX please take my number off the list and stop call.. I asked for company name and info and they refuse to give it to me ... XXXX ( XXXX ) XXXX EOS. They are rude and wake me up too often not to even be my bill collector ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I relocated from XXXX XXXXXXXX XXXX  in XXXX. I have been living in XXXXXXXX XXXX since XX/XX/XXXX. When I left XXXX XXXX, XXXX I closed out my account with XXXX and returned their equipment before l left. In XX/XX/XXXX hurricane XXXX happened and prevented any further charges due to long term power outages. In XXXX of XXXX I saw a derogatory account from XXXX for {$320.00}, that said it was reported in XXXX of XXXX, appear on my credit report. I immediately disputed the bill through XXXX XXXX, but the decision came back that the information was accurate. I disputed it again through XXXX XXXX and stated the information about hurricane XXXX, but it came back again as accurate information. Then I disputed the bill through XXXX credit bureau twice and they noted that the bill meets the Fair Credit Reporting Act guidelines and that I would need to contact XXXX. On XX/XX/XXXX I called XXXX. I was informed that the bill was for services from XX/XX/XXXX to XX/XX/XXXX. I stated that I live in XXXX XXXX during that time frame, and that I could not have made those charges. They asked if I left anyone behind and I said no. We picked my son up from XXXX XXXX, in XX/XX/XXXX due to illness. When we left XXXX XXXX in XX/XX/XXXX the power was still off since XX/XX/XXXX. No one was in the house during the dates of service. However, they continue to report the inaccurate charges. I believe XXXX has generated these charges fraudulently and are using predatory tactics to remain on my credit report. In addition, I have been denied credit from XXXX XXXX for an additional credit card with rewards due to the inaccurate information reported on my credit report by XXXX. I wish to have the information removed from my report ; and have XXXX report to XXXX that they reported inaccurate information on my credit report that caused my credit score to go down. In addition, I would like for them to pay damages in the amount of credit loss due to their negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Self Financial Inc.
State: NJ

Complaint narrative:
I have filed a disputing regards to the incorrect items on my report. It has been well over 30 days & I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I applied for forbearance under the CARES ACT and continue to receive deceptive notifications for missed payments requesting a full payment to reinstate my loan. We are impacted by COVID and used the relief under the FHFA and CARES act. Quicken continues to use deceptive tactics to pressure me into a loan modification or refi that incurs fees and never offers the repayment approved by XXXX 's and FHFA for reinstatement of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Equity Settlement Services, Inc.
State: NJ

Complaint narrative:
This title company was referred to us by the lender, XXXX XXXX, with whom we have processes a refinance. Documents were signed last week on XXXX and we were told that after the lender releases the funds to the title company, they will be responsible for paying off our prior loans. The funding date was Monday, XX/XX/XXXX. When the loan was not funded, I called Equity Settlement Services on the afternoon of the XXXX and they said, " Yes we have the wire from your lender but we do not have the authorization to release the funds. You need to speak with your lender. '' On XXXX, we spoke with the lender ( XXXX XXXX ) and our loan officer confirmed that the title company has both the wire and the authorization to release the funds. He complained to us about the service levels at Equity and said this is the second time he has faced this issue. Our feedback was " don't refer them as a preferred title company if they are not delivering on the service levels you expect ''. The loan officer said he would call the title company and would likely have to speak to them five times to get this issue resolved. On the XXXX morning, I as the consumer and someone who paid for the services I am supposed to received from Equity Settlement Services called for an update. First issue, they do not pick up their phones. When they do pick up they put you on hold and then transfer you to a voicemail ( this happened 4 times ). On my fifth attempt I was told to speak with XXXX. I asked if XXXX was in the office, they said yes and then I got her voicemail. After my 6th attempt I finally spoke to a receptionist to whom I stated that I was very frustrated by the lack of service and that if I didn't speak to someone, I would file a complaint with the XXXX. Her response to me " don't threaten us. '' She finally transferred me to XXXX XXXX who told me that she doesn't know exactly why my funds haven't been released but it appears they don't have the release authorization required. She then stated she needed to speak with the funding manager XXXX XXXX to determine what the hold up is. Every day that my loan is not paid off, I am accruing interest. Who is going to pay for this? Me the consumer because the people I paid to take care of this are incapable of following through on their contractual agreement?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-25 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: CA

Complaint narrative:
I have two collections on my report that are NOT mine. I do no owe XXXX XXXX XXXX ( Account XXXX ). It is being reported on my Experian report as in collections. THIS IS NOT MINE. I had no balance. After I moved out. I have contacted experian and XXXX  to remove several times. XXXX  removed from my credit but not the other two agencies. This is beyond frustrating. I moved out of an apartment years ago and I had a XXXX balance. This is the only derogatory thing on my credit. This charge on my credit should not be there. I have proof that XXXX XXXX  removed it from my credit report. Please help. These buildings attempt to scam and make up things after you move out. If anything they owed me my deposit! I moved out the place was clean. I lived in a XXXX XXXX XXXX XXXX  alone! I didnt even wear my shoes in the apartment. It was spotless! I had no company over. There is absolutely no reason that I should be have some type of fee. THIS IS NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV, LLC is in Violation of the Fair Federal Debt Collection Practice Act 15 USC 1692g, failure to comply with my request for " Validation of Debt. " not " Verification of Debt. " Failure to " Cease & Desist telephone calls. " Violations of the FCRA " 15 USC 1681. verification of debt by submitting a signed credit application verifying my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Klarna AB
State: GA

Complaint narrative:
I used the " see if you qualify '' on the XXXX while shopping for new golf clubs. The offer said it won't impact your credit score, they use a soft pull to obtain my credit score. I was offered a 9.9 % APR with a 24 month term to finance the golf clubs iI ordered. During the process a contract was provided, but showed 19.99 %, not the offer I was approved for. I then received a notification from my credit monitoring service a hard inquiry has incurred from XXXX. I called Klarna this morning and was told I had a 30 minute wait to talk with a rep. I used the chat service asking for a copy of the contract for the XXXX purchase. They could not help and said this request will need to eseculated and will take 1 to 3 business days for a chat rep to contact me. I never received a copy of the terms and agreement for credit., they pulled a hard credit inquiry when Klarna said it was a soft pull. I called XXXX and cancelled my order and asked to close out the Klarna account. XXXX said I will need to contact Klarna. klarna has not provided any information on the terms, account number of agreement. The mobile only provide info on the order, how to setup auto pay, but no contract or account number to reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ogden Holdings, LLC
State: TN

Complaint narrative:
when the pandemic started i lost my job and attempted to communicate with Caviler Finance to see my payment options. the manager started on XX/XX/XXXX with texting me from her personal number threatening me to bring the cops with her to my house to take my collateral, she has contacted my referances and told them all the information what my balance was, how far i was behind, what the origanal balance was. when i asked for the home office number she refused to give it to me, so i had to contact another branch and when i contacted the home office i was told by the VP of the company that he did not have time to work with me, my only option was to work the the XXXX office.when i asked if he liked when his employees talked to their customers like that he said " thats not my problems, this is how things will be handled '', he stated that he can come take my collateral because i broke 2 payment promises even though i have tried to continue to communicate with them to try to work with me. they are intimidating people by threatening them with jail, this is highly unprofessional and highly illegal. i have mulitple screenshots of the texts. the last payment i went and paid she wrote me a hand written reciept and did not post the payment that day. she has called me multiple times in an hour. i have dropped a cease and desist in the door of the company to not contact me further until this issue is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hi! 

I keep getting phone calls regarding a company/ bank called Barclay . I have no idea what that bank is. So, I tried to reach out to them a few years ago, but they keep transferring me to different places. I dont know if they know what they are doing. I first notice my credit card score was declining and I have no idea why since I almost always pay my bills on time. Then, I notice a weird name on one of my credit card report Barclay. Thus, I believe my identify must have been stolen. How do I go about on resolving this issue since the company has not done anything about it and I keep getting bombarded with callers for debt collection? Thank you! 

-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
Thank you for your recent contact dated : XXXX XXXX, 2020. 

I wrote to you on XXXX XXXX, 2020, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I am a XXXX veteran and had 2 usaa secured credit cards : one with a {$5000.00} limit and one with a {$1200.00} limit. Times got tough and I was unable to pay my bills all the way off. There were just a few dollars owed on each account, but the late fees and over the limit fees caused them to go to approximately - {$75.00} and - {$120.00}. I attempted to reopen the cards and was told I couldn't do so via chat to call. Then I called and was told I couldn't do so via phone to write a letter. Then I wrote a letter and was told they couldn't be reopened because they were chargeoffs. Then I asked for a pay for delete and that was declined. Then I asked just to pay the debt and was told it is not their responsibility to provide a method for me to pay them since they are charge offs, that if I wish I can just send a check to the bank with a note requesting them to apply it to my account- which doesn't sit right with me. I requested an invoice and was denied. I requested to pay for them online and via phone and was told no. One representative helped me add them to my bill pay on the USAA mobile app, but thr system would not allow me to process the transaction- i was told " oh well, we tried '' in response. They are continuing to report the late balance on my credit report monthly, and I can not pay it or stop it or reverse it or anything. I want to buy a house and this is a big problem. I have been dealing with them on this issue for over a year. 

It's {$200.00} .... and I can't even pay it to make it stop. Let alone get it removed. I should have been able to pay this in XXXX. I have been with usaa since 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 2020-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent out letters to the credit companies ( Transunion, XXXX, and XXXX ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed 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 explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Mortgage transferred from XXXX XXXX ( Loan # XXXX ) to PennyMac ( Loan # XXXX ) on XXXX. The total principle transfer was {$200000.00} from XXXX, confirmed on XXXX. The total principle received by PennyMac was {$210000.00}. Three payments were made prior to transfer, reducing the principal. 

XX/XX/2020 Principal curtailment {$1200.00} XX/XX/2020 Principal curtailment {$1200.00} XX/XX/2020 Principal curtailment {$210.00} There is currently an interest build on the incorrect balance of {$210000.00} on PennyMac 's side. Confirmed with XXXX XXXX that the principle payments were transferred along with the loan. PennyMac indicated they did not received any of the payments on XXXX. There is a total of {$2700.00} in principal missing, and interest is compounding on an incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020, CAPITAL ONE BANK USA add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, CAPITAL ONE add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attempted on several occasions to have a credit freeze lifted by Equifax. I do not recall placing a freeze, but apparently there is one, which I was informed of by a mortgage company. I have made several attempts online, as well as calling customer service to lift the freeze. Due to the huge data breach Equifax suffered and caused harm to so many, I do not trust them. I have been told by three separate representatives that I would need to fax a copy of the front and back of my license as well as my social security card in order for the freeze to be lifted. I do not trust to send this information considering when I call it seems I am reaching someone in another country and Equifax has proven they can not be trusted. I do not know what other avenues to take in regards to this matter. I have already verified all of my personal information over the phone several times with no avail. I am unsure where to turn and I don't think Equifax should be in a position to ask you to send such sensitive information to someone that honestly I don't know who is getting it and they have proven they are not to be trusted.

Company response to consumer: Closed with explanation