vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: CA

Complaint narrative:
I'm in the process of trying to lease a new apartment. Today ( XX/XX/2021 ) a leasing company asked me to unfreeze my Equifax account so that they could do a credit check. 

- First I tried going through the Equifax website, I created an account and submitted information so that they could verify who I was. Then I reached a page stating the verification failed and I could either have them mail me some documents or call them. 
- So I tried calling. I went through an automated verification process where I once again submitted information like my SSN. They sent me a verification code to my phone number which I entered. Nevertheless, in the end I was told that I couldn't be verified and provided with the option to talk to a human agent. 
- So I talked to an agent. Once again I provided information like my SSN, address, phone number, date of birth, email, etc. I was sent a link so that I could take pictures of my driver 's license. The software asked me to retake the front picture of my license 4 times although the picture looked fine to me every time. After the 4 time I reached a screen stating " Sorry, you exceeded your photo limit. '' The agent on the phone informed me that I would now have to send documents by mail or fax in order to get verified : photocopies of my social security card and driver 's license, and a cover letter with additional personal information stating that I requested my credit to be temporarily unfrozen. This would take " 3-5 days to be processed ''. 
- I informed the agent that rentals are competitive in my area and that I needed the leasing agency to be able to access my credit score today. I also explained that I was in possession of a PIN that was given to me when I paid to freeze my credit. However I was told in no uncertain terms that there was nothing else said agent or their supervisor could do. 

I initially froze my credit because of the Equifax data leak a few years ago. It's a service I had to pay for at the time ( something like {$10.00} or {$20.00}, I don't remember exactly ). Now I was told they are not using PINs anymore and I'm supposed to hand over personal information and documents to the company that leaked my information in the first place. Not only that but their process has multiple points of failure which makes unfreezing my credit time consuming and burdensome even if I am willing to provide said documents and information. This is unacceptable in my view.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I was " turned down '' a new cell phone offered by " XXXX '' because of false/incorrect information on my " Experian '' 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 2021-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my credit report and found an account that is a result of fraud. The account is being handled by a collection agency. The original creditor is the XXXX of XXXX. The account was for a utility for a home that I never lived or was associated with. All of the other accounts that were associated with this address have been removed due to fraud. This account is the only account that remains. The account is : XXXX XXXX XXXX with a balance of {$980.00}

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 non-monetary relief
Consumer complaint received 2021-05-20 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:
On XX/XX/XXXX XXXX XXXX placed a collection on my Equifax credit file. Upon further investigation, this account was transferred or sold and I am no longer responsible for the account. XXXX XXXX has failed to verify this account, since my first dispute letter in XXXX of XXXX. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX XXXX has violated my rights as a consumer. Therefore I am requesting legal action to remove this account immediately. I have waited long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) POB XXXX XXXX FL XXXX Phone : XXXX They are reporting the incorrect account type and incorrect account status I have reached out to all 3 credit bureaus as well as the collection company and they are clearly in breach of metro 2 by reporting a collection account as an installment account when metro 2 clearly states it has to be listed as open. I also do not know if this account is reporting as opened or closed because it is inconsistent two credit bureaus say the account is closed and the other claimed it is opened. How can that be if they are coming from the same source? They have all verified this account as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian stated they mailed a reinsertion letter the following day but I never received it. I would like a copy of the reinsertion letter that was mailed to me stating that XXXX, XXXX XXXX and XXXX XXXX XXXX was reinserted. If they can not provide a copy of the reinsertion letter as proof I am requesting these item be removed from 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 2021-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I sent my XXXX and XXXX payment via XXXX XXXX, see attached and it arrived at PHH at XXXX am XX/XX/XXXX signed by XXXX, it is XX/XX/XXXX and it has still not posted to my account. I have called there times and I am told not to worry. I have emailed a relationship manager named XXXX XXXX, there times and received not One Response. I included an email titled XXXX. I got a template response stating they will get back to me. When I called on XX/XX/XXXX and spoke with an agent, I asked to speak with a relation manager and he said I had to set up an appointment through him, I laughed, the next appointment available was XX/XX/XXXX. I stated that my question regarding my payment would be resolved by then or at better be resolved. PHH is such an awful, disgraceful and dishonest company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: WV

Complaint narrative:
I found on my credit scores a hard inquiry on my report. It was from XX/XX/2020. This was put on there without my consent. Someone tried to open a credit card with my information. I've contacted XXXX Bank / XXXX to remove this hard inquiry on my report .They were notified over 30 days ago & Ive contacted them several times to remove it. They still haven't made any attempt to correct this. It is not helping my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Consumer Adjustment is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Consumer Adjustment can not provide any proof that I entered any legal contract with them to attempt to collect an alleged debt. Consumer Adjustment has directly violated my rights under FDCPA 15 USC 1692g, and 15 USC 1692f. I have sent Consumer Adjustment letters letting them know that I am requesting them to Cease and Desist from these collection attempts and that I am well within my rights to sue for all violations according to the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ASPIRE FINANCIAL INC.
State: TX

Complaint narrative:
Company ASPIRE FINANCIAL , INCXXXX DBA TEXASLENDING.COM. After approval for a cash out refinance I was presented with 2 final disclosures with conflicting information. 1 was the original terms agreed to with a closing cost of {$10000.00} and the second was a lower cash out among with a XXXX increase in costs in the amount of {$13000.00}. The explanation given was credit score changed but no credit information was was reported or changed between application pull and final pull. I feel I have been bait and switched. I have 1 borrower signature on the original forms given before aspire archived the document.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: ID

Complaint narrative:
Unfortunately the calling company is calling for a party whom is no longer with us on this earth and is deceased. I have tried to catch them and explain this, but they always seem to call when I'm not by the telephone. And it's becoming a disruption to my home, and a painful reminder of our loved one whom is no longer with us due to XXXX. I understand they are just doing their job. But we are not in any position to help them. They just need to quit calling the phone number they have listed. It is not a personal phone number, it's an home phone. So when they call it disrupts others. And we tend to not answer numbers we do not know due to spam callers.. The bordering on harassment needs to come to an end. And to call in is more difficult because I do not have the necessary information to " discuss the deceased parties account ''.

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 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
please remove these inaccurate unverifable accounts. i sent a letter 2 months ago.

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 2021-05-20 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: IL

Complaint narrative:
please remove these inaccurate unverifable accounts. i sent a letter 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Hi SYNCB/NETWRK ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days - How? 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2021-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
I have an issue regarding of my Paypal account and i've been using it for almost 2 years now, and i just got received an email that i can no longer use my account permanently without receiving any notice. They just permanently limit my account just like that. Please help me restore my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I received an email from this company claiming to represent Wells Fargo telling me that i owe them money. I have not had an account with Wells Fargo for nearly 20 years, and at the time that my account was closed I XXXX  out the account and closed it. I never had a line of credit or an overdraft protection attached to my account, so there is no way that I could have a negative balance.

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 2021-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB Management has made repeated attempts to contact me by phone after being instructed no less than two times to cease attempting contact.

NCB Management had been contacting me by email also, so I used that email address to send them to notifications, one dated XX/XX/2021 and one dated XX/XX/2021 directing them to cease further attempts to contact me or associates. 

I received no response to either communication. In my requests I had asked for a confirmation letter to be sent, and none was. 

Despite my attempts NCB Management has made several calls each day of every weekday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
Company is XXXX XXXX. Account number is XXXX. 
XXXX on vehicle ended XX/XX/2021. I sent a check for {$31000.00} to XXXX XXXX to buy the car. They cashed the check XX/XX/XXXX. I have yet to receive the title. Have called numerous times, and been told they have not received the needed signed bill of sale and odometer statement. I have sent these documents now at least five different times, via fax, email, and certified US Mail. I have received email confirmations from them that they received the documents, or fax confirmation, or USPS proof of delivery. They continue to tell me they never received any of the documents, which is obviously false. 
They need to either send me the title immediately, or refund my money and take the car back. 
They are maddening to deal with. 
I hope you can help with this matter.

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 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America closed my checking account with no notice after 20 yrs as a valued customer. They are refusing to give me the money in my account they are telling me it could be weeks before I get a cashier 's ... my rent and Bill 's have to be paid and they are not cooperating I can't wait weeks I live on a mere {$790.00} a month. I wanted to go in and get my money and they wouldn't give it to me. Please help me or should I call an attorney I am very upset and stressed out it's making me physically ill

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 2021-05-20 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: TX

Complaint narrative:
on XXXX i sent a letter regarding inaccurate and unknown things on my credit report. till this day over 19 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 605B ( 15 U.S.C. 1681c-2 ), it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of, appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. A failure to investigate these items within 19 days gives a reason to immediately remove those items from my credit report, it has been over 19 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach complaint # XXXX which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 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: MORTGAGE CENTER, LC
State: MI

Complaint narrative:
On XX/XX/XXXX Mortgage Center foreclosed on my home. They've been reporting me as being late each month instead of being foreclosed. I contacted XXXX  and opened a dispute in which it now shows a XX/XX/XXXX date instead of the correct date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NH

Complaint narrative:
I received an email from Chime ( XXXX XXXX XXXX ) stating that my account was to close on the same day as the letter. Within minutes i was locked out of the banks app while trying to transfer my balances. No reason was given for the account closure. When trying to contact the bank via telephone, the automatic system recognized my phone number and instructed me to reach out through email to their support department, and disconnected the call. Upon emailing them, I received a generic generated response from a supposed 24/7 live support center. I tried using my card to make a payment, also tried using just my account and routing numbers from chime, and everything is declined. They are holding my money ( almost {$6000.00}!!! ), and none of the correspondences stated how they planned to return it to me, only that i should cancel any future deposits to avoid delays in receiving the deposited funds. I had a SECURED credit account with them, containing {$420.00} ; and a checking account containing {$5300.00} at the time they closed it. This contained monies is my rent, gas money for work, food money, and payback money to the Small Business Association for a PPP loan! Please help me! My rent is due on the first, amongst other interest-accruing accounts which will now be late, and for no reason at all!

Company response to consumer: Closed with explanation