vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: TX

Complaint narrative:
FCRA VIOLATIONS : NOT MINE : SEE ATTACHMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2021, my credit card account balance was eligible for a credit balance refund in the amount of {$69.00}. I sent a secure message requesting this be refunded to me and received confirmation from this bank on XX/XX/2021, that the credit balance refund had been processed and I would receive an email within 1-2 business days with a link to claim the refund. Having not received the email, I inquired on XX/XX/2021, with this bank on the status of the refund. Since this date, they have continuously proceeded to argue with me about the status of the refund and claimed that because I have made purchases using the card, that the available refund has been absorbed by the new purchases, and, is, of course, not germane to the balance refund request, without accepting the fact that the refund request on XX/XX/2021, should have been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I filled out an application with Rocket Mortgage to purchase a manufactured home. I spoke with a loan officer who also pulled up the listing and we discussed the home while filling out an application. We paid {$500.00} to move forward and had our credit pulled. From XX/XX/XXXX - XX/XX/XXXX, we heard absolutely nothing. My realtor had to contact the company multiple times to get an appraisal scheduled. Two weeks after the appraisal had been performed, my realtor called the company to figure out what was going on. At that time, we were told that they would not fund the loan because they do not fund manufactured homes. Along with that, they updated the Loan Estimate with an appraisal fee of {$900.00} but still never contact us to discuss this issue. I had to call and email on XX/XX/XXXX to get some sort of answer. Then I was told that I would only get my money refunded back after the appraisal fee XXXX {$900.00} XXXX and credit bureau fee were taken out. During that same phone call, I was told I would be contacted XX/XX/XXXX after they performed research to verify it was a mistake on their end. That is absolutely inexcusable. It should not have taken 6 weeks for them to decline the loan. The listing shows it was a manufactured home, the tax record shows it is a manufactured home ( and the taxes were verified within days of the application ), the appraiser asked the company if it was a manufactured home. There were multiple times that the company could have contacted me to discuss this issue. They also told my realtor that they were never told it is a manufactured home. The individuals I have spoke to have been very gracious and kind but this is absolutely unacceptable. I can not get this house financed before the contract ends because of the egregious neglect to communicate or even research the property. A simple glance by the company at the listing ( which was done by the loan officer during the application ) should have been more than sufficient for them to know whether or not to move forward with the loan. It should not have taken 6 weeks or even 2 weeks from the appraisal for them to explain they don't loan on manufactured homes. That is absolutely their choice not to offer loans on manufactured homes but their gross negligence in not communicating and taking 6 weeks to even discover this has cost my family a home and land.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Agency of Credit Control
State: CO

Complaint narrative:
This month, Agency Credit Control fraudulently placed a $ XXXX collection claim on my credit report on behalf of XXXX XXXX XXXX XXXX - XXXX XXXX-Attorney. Mr. XXXX failed to provide contracted services in XX/XX/XXXX which resulted in actions taken by the Colorado XXXX Court XXXX XXXX XXXX. Since that time, I have not heard or received anything from XXXX XXXX XXXX XXXX, Attorney XXXX XXXX, or Agency Credit Control. I only became aware of the collection actions when I noticed a significant decrease in my credit score. 

It appears Agency Credit Controls is not a licensed debt collection agency in the State of Colorado. The name of this collection agency is Agency of Credit Con on my XXXX report and Agency Credit Control on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
I am trying to get mortgage forbearance on 2 single family homes ( XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX, XXXX XXXX, NC XXXX ) due to covid related issues. My son, who is a co-borrower has had covid twice and I have had it once. Most of our income is derived from some rental property we own. Due to the fact that some of our tenants and some tradesmen we usually hire to work on problems at the properties have had covid, we have lost significant income from tenants not being able to pay rent and losing months or rent because we can not find tradesmen to enter homes of people with covid and/or being too sick to repair properties to make them rentable. 

Our mortgage institution, First National Bank, XXXX XXXX XXXX XXXX XXXX PA XXXX has turned down our request for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX. I opened a XXXX XXXXr credit card with capital one bank in XXXX. There is an offer both online and when I applied if you spend {$500.00} you will receive {$200.00} within 3 months of account opening. I spoke to a representative from capital one on XX/XX/XXXX. I was told that I will be getting the {$200.00} bonus in XXXX. They gave me miss information and now there saying today on XX/XX/XXXX. That I will not be getting the bonus. That the worker gave me the wrong information. I spent {$1300.00} in the first 3 months depending on the {$200.00} to be coming back to me at the end of the 3 months. I was told by a supervisor that she replayed the recording of one of there staff telling me that I qualify and will be getting the bonus. I told them that they are false advertising to attract customers and that I will be reporting them. I was told because I spend the {$500.00} before the XXXX when I spoke to the representative there saying that I dont qualify even though on the website and the paper I received saying that I was pre approved showed the bonus on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX : {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I initiated a Identity theft complaint on XX/XX/2021 to all 3 Bureaus and attached police report, drivers license and proof of address. 

Equifax is the only bureau that has not deleted the unauthorized inquiries..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: ERC
State: TX

Complaint narrative:
Never received written notification of the old debt. Found it as a charge off on my credit report. Contacted the organization to pay to obtain a goodwill pay for deletion. I made payment to the collection agency and they never sent me a receipt showing that I paid and that they would do the goodwill receipt and that was a deceptive practice just to get money from me and is further impacting my changes of obtaining my current underwriting of a mortgage. I paid with my debit card showing I paid but they have not sent me the information of receipt ad promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Collection Service
State: NY

Complaint narrative:
Action collection XXXX idaho. They have added over XXXX in interest violating the fair debt collection practices act. This was a utility bill from XXXX XXXX and I've contacted the XXXX police and I moved out on XX/XX/XXXX but was charged till XXXX XXXX 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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not been able to see my Equifax square for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I have 2 accounts on my credit report from Harris & Harris involving XXXX XXXX XXXX. The dates they have given are XXXX XXXX XXXX and XX/XX/. Both of these accounts have been submitted to both of insurances and I have been told by them that they have been paid. Harris & Harris knows this is the case because they did same thing on a previous date and I disputed it and they deleted it. This is that account and they put it back on. I tried to disputed it again however now they are saying it is accurate. Which it is not. I had XXXX XXXX and also XXXX XXXX and had a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent South Mississippi Collection Service Inc letters for some alleged debts of : {$550.00} and XXXX $ that i don't owe in which they never responded so i sent a letter on XX/XX/2021 requesting the validity of the debts that they are reporting on my credit. i sent the letters off XXXX certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: DC

Complaint narrative:
I have a student loan being managed by EdFinancial, and starting in XX/XX/XXXX I set up an automatic repayment plan ( they call it XXXX ) to pay off my loan in regular monthly payments. I received a notice from EdFi in XX/XX/XXXX that per Department of Education guidelines my interest rate would be dropped to 0 % due to the pandemic ( PDF attached below ), and that I could opt into loan forbearance if I chose to. I decided not to do this, as I wanted to pay off my loans as quickly as possible and I realized I could pay off my loans faster with a 0 % interest rate. 

I just discovered that EdFinancial stopped my automatic payments back in XX/XX/XXXX anyway, without my permission, and the only notice they provided was buried in an email with the title, " Important federal student loan flexibilities ( PDF attached below ). I have since restarted my monthly payments, but I now find that the payment amount is locked at the minimum required, and to change it I need to call them and speak to a representative. 

XXXX realized they wouldnt be making money off their students loan holders while the 0 % interest rate was in effect, so they took unilateral action to change loan holders ' payment settings, buried important information, and did not provide clear notice of the impact of these actions. They are still currently making it harder for folks to restart automatic payments by disabling the online feature that lets loan holders specify how much they want to pay monthly. I was told by a customer service rep that the feature would be enabled again once the CARES Act is no longer in effect, in XX/XX/XXXX. This is morally and ethically wrong, and deceptive. It took me 17 months to realize this, and Im sure many loan holders are still unaware that this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
A company called Credit Management keeps calling me and asking me for personal information. They will not tell me why they are calling and won't provide any other information. I have refused to provide my personal information as I know nothing about this company and have never done business with them. They say I have an account with them. It appears they are a debt collection agency. I have zero debts outstanding and never have thus I know for a fact there is absolutely no way I have an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/21, I received a spoof a phone call from the phone number of XXXX, I XXXX  the number and it stated that it was the XXXX middle district court house! The guy on the other line, state his name was XXXX XXXX and he stated that I was part of a crime! I have never been in trouble, I am a XXXX  XXXX with the XXXX XXXX XXXX XXXXXXXX! 
The guy demanded money from me using the app of XXXX XXXX! The spam caller caught me off guard and seem realistic and though the guy was real! 
I sent money to him by using XXXX XXXX to the name of XXXX XXXXXXXX XXXX XXXX  name of $ XXXX! I sent him money of {$500.00}, {$800.00}, {$2000.00}, {$3000.00}, {$50.00}, {$2700.00}, {$700.00}! I will provide you all receipts that I sent to him by XXXX XXXX! 
The guy then started texting me from a XXXX, Florida phone number of XXXX and sent me a email! The email he used was XXXX! Stating that he would reimburse the money back to me! 

The guy kept demanding me money and got a phone call from the guy and demanded additional {$11000.00} which I did not sent him! He said I would have to turn myself in because I didnt make the pay and report to XXXX federal court house at XXXX at night, which they were closed! 

On XX/XX/21, I have reported this to the XXXX, Florida police department, case number XXXX I have reported this to the Florida trade commission:XXXX I have also reported this to capital one case number : XXXX And also reported this to XXXX XXXX and a refund was declined! 

I will be attaching all attachments I have sent to the XXXX Florida police department!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TX

Complaint narrative:
CAP ONE Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
CAPITAL ONE Potentially negative Date opened XXXX Balance {$6500.00} Status Account charged off. {$7100.00} written off. {$6500.00} past due as of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 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: Army and Air Force Exchange Service
State: ME

Complaint narrative:
Account should not be currently reported as collection account, as it is paid and closed. Should not be reporting as a collection account as the creditor assigned this account to a collection agency. Account is paid and closed, and not a current collection account. Also, account was supposed to be placed in a medical hardship status. Thank you.

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 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Got a XXXX XXXX  XXXX  from credit acceptance in XXXX fell behind on payments but car ended up flooded in hurricane Harvey..had no insurance..company wrote car off and got paid plus wants money from me still

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 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Like so many other Americans I was adversely effected by the COVID pandemic. I was making the payments I could and my loan is now due for XX/XX/XXXX when I could no longer keep up the payments. In XXXX of XXXX I sent in documents for a loan modification. My denial letter stated that while I was denied the modification I did qualify for a short sale, deed in lieu or deferral. I accepted the deferral and signed and returned the agreement. On XX/XX/XXXX I spoke to XXXX XXXX who said she was a supervisor and was told I did not qualify for the deferment and to send in a modification package to get reviewed for a deferral. I was told to submit an email request to XXXX. A response was sent via an encrypted email that could not be opened and all requests for a copy to be mailed or emailed were ignored. We then sent another request XX/XX/XXXX which was also ignored. A follow up email requesting status of the first email was sent on XX/XX/XXXX and also never answered. I was served foreclosure papers on XX/XX/XXXX without the deferral or research request being completed. I have attached the agreement sent to me and my signed and returned copy. My father is in XXXX  and this pandemic has been awful. I would like my mortgage deferred as I agreed to. Thank you.

Company response to consumer: Closed with explanation