vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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: NC

Complaint narrative:
I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from XXXX XXXX for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and XXXX has been less than helpful as well as the 3 bureaus.

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.

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 2020-09-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my Cash Rewards Visa card without any warning. I had a fixed 7.9 % interest rate on that card. I filed a cfpb complaint previously ( Case # XXXX ) which I thought was resolved but not so much. After trying to get a hold of their Resolution Specialist XXXX XXXX XXXX, both via email and by leaving multiple messages, XXXX finally called me back. He told me verbally that he was sorry it took so long to get back to me and that he was approving my request to re-open my credit card at the same fixed interest rate of 7.9 % .a week or two after that conversation with XXXX XXXX I received a letter from Bank of America XXXX dated XX/XX/20 ) stating that they are not able to reopen my credit card! I want this resolved asap, please.

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 2020-09-01 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: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage charged us a late payment fee of {$120.00} when we never paid late because our mortgage was automatically deducted from our bank account. 

Freedom Mortgage provided the incorrect escrow balance on our Payoff Statement, dated XX/XX/2020. The escrow balance listed was {$3900.00} and did not include the XX/XX/2020 escrow payment. Correct escrow balance was {$4700.00}. 

We are owed {$8700.00} from Freedom Mortgage. It is XX/XX/2020. Freedom Mortgage received full payoff amount on XX/XX/2020.

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 2020-09-01 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: LEXISNEXIS
State: VA

Complaint narrative:
I'm contacting you about the credit reporting agency : LexisNexis XXXX  XXXX XXXX. XXXX XXXX XXXX, GA XXXX. The agency have reported the bankruptcy on my credit report which was not validated through the bankruptcy court itself. I've received a letter that the bankruptcy court has not and does not validate bankruptcies. I've ask them for a letter to verify this bankruptcy. I was not provided with one. 
Report Date : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
We began our application with Citizens Bank in XX/XX/2020. We were applying for a construction loan that would convert into a regular mortgage. After many months of providing the requested information they required repeatedly and satisfying all their requests, we decided to Withdraw/Cancel/Terminate our application on XX/XX/2020 via email. Our financial consultant at XXXX XXXX also provided Citizens with all the information they requested many, many times. 

Today, XX/XX/2020 we received a letter via email that they were DENYING our loan application. XXXX days after we cancelled our application, we receive this DENIAL letter, dated XX/XX/2020, totally ignoring our email demanding that they cancel our application on XX/XX/2020. 

Unfortunately, at this point, we have lost much time as well as a drop in our credit scores due to the unnecessary hits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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 — Problem with personal statement of dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
For longer than past 2 year 2 collection accounts are been impacted my credit records. To start the been reported for investigation because they are not mine, but every single time the collectors re selling the account to another company and the get away with that to report the accounts over and over. After request investigation from the 2 out of 3 credit companies XXXX  and XXXX  they concluding the account are valid and they do not change or modify my report. 
Collection companies send me a letter asking to send a police statement to prof is fraud, after contact XXXX county sheriff office, they told me they are not in charge of these investigations, the job is done by credit agencies. Well my attempts fail over and for more than 2 years and credit agencies not providing anything back to me to validate the fraudulent accounts same as the multiple debt collector that these accounts are been pass over and over. When I call them they just tell me the call is going to be recorded and ask me my name and personal information to access the system after that the questioning back if Im the person on the account and after mi confirmation now Im confirmed the account is mine they told me in bed to paid and is recorded and they disconnect the call if Im no agree on what they said. Same thing happening today as I called XXXX  fraud department and XXXX took my call she asked me my social and after Im pausing to times and she warning me about not guess just one shoot to provide the number she said thanks for calling XXXX  have a great day and hand up the phone on me. 
Same as the debt collector when Im not accepting the accounts are mine. Seems like Im obligated to said yes they are mine accounts even when they are not and pay for something is never been use or order by me? As the only way to solve the problem. Very frustreted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VI

Complaint narrative:
To whom it may concern, Good day, I open up a joint account on USAA with my sister and have been having problems with acquiring the funds that have been uploaded via check. My sister and I have call the company on numerous occasion and all we have been told from last year XXXX until current is their doin an investigation. I would like the money that my sister work hard for return to her.

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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account Name : MIDLAND FUNDING. 
Balance : {$1600.00}. 
Date Opened : XX/XX/2018 Submit the information and identity theft report to report that this account is fraudulent. 
Send the claim by the Credit Companies like XXXX, XXXX, XXXX  but I don't get any help. 
They know, I never live in the United States and just move last year to here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I  am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX-XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX-XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX -XXXX XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , XXXX -XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX  XXXX SC , XXXX- XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX  XXXX XXXX  MD, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX VA , XXXX-XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses.

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX , XXXX, FL XXXX-XXXX Please delete the above disputed items and ( 30 )  days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of 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 2020-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
This is a loan from 3 years ago from Sky Trails Cash that was taken care of and paid off. I completely forgot about this loan and haven't received any call or anything in writing stating I owe anything, then all of a sudden today I get a call from a third party group saying I owe {$590.00} or there will be legal action against me. I don't owe them anything and I don't want them showing up at my house serving me with papers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts are older than 7 years old and should be removed from my credit report immediately my children are now adults with kids. these payments stopped more than 7 years ago the balance remains the samePlease help me with this problem

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 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XX/XX/XXXX I withdrew funds from my 401 ( K ) and deposited them in a joint account. The funds totalling {$46000.00} were in a citibank account. I had transfered approximately {$18000.00} from the account and moved it to my personal checking. 

I received a debit card but there was a delay in the pin so when I received it and tried to activate the card but was unable to as I was blocked from the account. On XX/XX/XXXX I called customer service, they stated that there was a glitch in their system and they had closed the account, that a check with the remaining funds would be mailed to me. I explained I needed the funds ASAP and the agent said he would request for the check to be expedited and I would receive it within 3-5 days. I called again on XX/XX/XXXX and an agent stated the account had been closed and a check was mailed on XX/XX/XXXX. To expect it by no later than XX/XX/XXXX. I called today, XXXX as nothing was received and the agent ( XXXX ) said a stop was placed on the check but she was unable to provide  any reason, explanation or a date as to when I could access MY funds. I asked to speak to a supervisor ( I was on hold for 2 hours on and off ), the supervisor ( XXXX XXXX ) said I was blocked out of the account but she was unaware of the reason, that there was nothing they could do except close the account and send me a check? ( but I thought this had already been done?? ) she said that was not her department and she would transfer me to the manager on new accounts ( XXXX ). XXXX was extremely rude, raised his voice and offered no solution or accountability. He said the only thing he could do was send an email and that I would hopefully have my money in 10 days. 

I work for the XXXX XXXX XXXX XXXX XXXX XXXX. I am worried about people that dont know their rights or the laws pertaining to their accounts. This is completely unnaceptable. Everyone I spoke to had no sense of accountability, no solution and awful customer service. I am talking about {$30000.00} gone with the wind. I have no idea where my money is or when I will get a hold of it again.

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 2020-09-01 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: CITIBANK, N.A.
State: OK

Complaint narrative:
In XX/XX/2020 I called Citibank and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance for both of my Citibank credit card accounts, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. They are reporting to the credit bureaus late payments in XXXX and that is not true.

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 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I paid XXXX  XXXX the amount in collections of XXXX on account XXXX on my debit card on XX/XX/2020 the funds where released from my bank. XXXX XXXX send me a paid in full email and stated that they would contact IC System to remove me from collections. 2 months later IC Systems still have nor removed or updated there system that the balance is paid in full. 
I have call them and sent them the payment letter. On XX/XX/2020 I again called IC System and they tell me they will not remove it until XXXX   lets them know I asked can you just call to verify I a as told no. I called XXXX who stated the bill is paid and IC System was made aware on XX/XX/2020 through there computer system. I spoke to XXXX XXXX at IC System and XXXX XXXX the supervisor

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I finally closed on my 15yr fixed refinance loan with Quicken Loans / Rocket Mortgage on XX/XX/XXXX after a horrific loan process. XXXX 's changed my loan amount twice without notifying me, XXXX XXXX could not analyzing bank statements to determine liquid funds, closing was originally scheduled for XX/XX/XXXX but was moved to the XXXX without notification. I just happened to log into the account when no one came on the XXXX and saw it was moved to the XXXX. I never spoke to my banker after the day the application was taken. But on XX/XX/XXXX I finally close and the loan is supposed to disburse on XX/XX/XXXX and it does not. I get no notification of what the issue is causing the delay in disbursement until XX/XX/XXXX when I call in after I get a notification from my previous lender that my loan is not 30 days late. After the conversation on why my loan did not funds on time and why i was not notified of the delay the excuse given to me was they are behind on work at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: NC

Complaint narrative:
Recently, Deville Asset Management placed a collection account on my credit report for {$5700.00}. Prior to this account appearing on my credit report, I did not receive a notification of my right to dispute. They claim that they did not have to send me any notice, because the original creditor had already been reporting this account on my credit report. What the original creditor reported on my credit report has no bearing on what a collection agency puts on my credit report. They are still bound by the laws of the Fair Debt Collection Practices Act, and they are violating my rights under federal law. Furthermore, I don't even owe any money to the company they claim to be collecting for. I called them directly myself, and they show my balance as {$0.00}, and they report it as {$0.00} on my credit report. Deville has not once given me the opportunity to contest the debt, and they continue to violate multiple state and federal collection laws daily.

Company response to consumer: Untimely response