vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 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: GA

Complaint narrative:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On two separate occasions i have repeatedly asked the credit bureau to verify the accounts to be named and send me proof of validity. They have not and only sent back as it is mine. These accounts do no belong to me and belongs to someone with my same name. The accounts are : XXXX XXXX XXXX # XXXX and XXXX # XXXX. 
The above mentioned accounts were removed and then placed back on my account. PLEASE HELP!

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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated. 

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.

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 2021-10-21 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Disputed collection. Had it removed to come back with a date that I wasn't in any hospital. Didn't go to any hospital the year of 2020 but the dates says otherwise ... .fraudulent collection

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 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had a mortgage with Citizens Bank with and interest rate of 4.12500 %. I applied to refinance this mortgage to lower my interest rate in XX/XX/XXXX. I provided everything that was requested by XXXX XXXX throught the branch in XXXX XXXX. in late XXXX and XX/XX/XXXX. Every time I called to check on my application, I was told that due to Covid-19, everything was backed up and it would take a little longer. They pulled my credit numerous times lowering my score by 3 points every time. I checked with the manager at the XXXX XXXX branch, I was told that it should not take this long and they would get to the bottom of it. Never heard from them again. I also spoke with XXXX XXXX in the XXXX branch, he too said he would get to the bottom of it and never heard from him again. Them I spoke with XXXX XXXX in XXXX XXXX, she said she would get back to me within 24hrs. Never heard from her again. It seemed that once they contacted XXXX XXXX, the communication was stopped. Finally I recieved a Credit Denial letter on XX/XX/XXXX, almost 1 year later, stating they could not verify my income. This is a lie. There is no reason why they were unable to verify my income with copies of my tax returns and rental agreements. Either they wanted me to keep paying the higher interest rate or I'm being discriminated against for other unknown reasons. Is it because I am XXXX yrs old, white female XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: DE

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Mortgage Services, LLC
State: VT

Complaint narrative:
I filed a loan modification request on XXXX, XXXX  and have been given the run around since then with no resolution. Meanwhile during this process I have made no payments and I was behind to begin with so now I am a year in arrears, no resolution, I contact XXXX XXXX the processor and she tells me she notified upper management with no resolution. I am dealing with the loos mitigation department of United Mortgage. The phone number is XXXX ext. XXXX. ( XXXX XXXX 's Extension )

Company response to consumer: Untimely response
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
I was first contacted by Diversified Adjustment Service , Inc. on XX/XX/XXXX by email concerning an alleged debt owed to telecommunications company XXXX for {$25.00}. I responded to them by XXXX mail and email on XX/XX/XXXX asking for validation pursuant to FDCPA. I wanted to know why they thought I owed this amount and was legally obligated to pay it. They responded on XX/XX/XXXX with an " XXXXtemized Statement '' that simply listed an " Unpaid Balance '' of {$25.00}. I responded to them on XX/XX/XXXX, again via XXXX mail and email, and stated their response was insufficient. I again asked for validation pursuant to FDCPA and further explained that I paid my account with XXXX in full on XX/XX/XXXX so there was no reason for them to send a bill on XX/XX/XXXX stating an " Unpaid Balance ''. Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA I demanded they provide me with competent evidence that I am indeed the party that owes the debt and that I have any contractual obligation that is binding on me to pay this alleged debt. Per the FDCPA, I also asked them for the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Proof that, as you stated in your in email to me, that I gave you permission to contact me via email. 
Proof that your agency is licensed to conduct business in the state of Tennessee.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

They responded to my letter on XX/XX/XXXX with yet another " Itemized Statement '' and none of the information I have repeatedly asked for. They also continue to harass me by telephone even though I asked them not to. I sent them another letter today, XX/XX/XXXX asking them once again to send me the information that I have asked for and to stop contacting me by telephone. I also informed them that I would be filing this complaint. I am attaching copies of all of the correspondence with them to this complaint. 
Thank you, 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 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCS Credit Corporation
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/2021 statement had a balance of {$160.00} closing on XX/XX/2021. Payments in the form of a cashback statement credit were redeemed on XX/XX/2021, in the amount of {$160.00} and an additional {$5.00} payment was submitted on XX/XX/2021. The combined total covered the XXXX balance due. Upon logging into my account on XX/XX/2021, I noticed a {$20.00} late payment fee applied ( allegedly from XXXX ) and an overdue balance of {$390.00}, which constitutes the value of purchases between the next statement cycle ofXX/XX/XXXX-OXX/XX/XXXX 2021. I immediately made payment for this amount, even though this amount is said to actually not be due until the exhaustion of the 25 day grace period.

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 monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was scammed by a guy on XXXX offering financial assistance. He said all I needed was to have an active bank account and the money would be deposited. This was to be considered a donation from his organization. I would only be required to give him half of the money deposited. I figured that should be OK since I would receive the money first and then give him half instead of the common red flag of sending out money first. Totally unaware that he had in fact applied for a loan from my bank, in my name, until after I sent him the money. I NEVER requested this loan or signed off on it but it was given easily and freely without my knowledge, and what I thought was money being given to me was a scam for me to give money to the scammer that I don't have. What happened to the security aspect of identifying the person when transactions like this are done online, or even requiring 24 hours for deposit to be made. I was totally blindsided. I was not the person who took out this loan, I am the victim of identity theft and my bank/credit union has been defrauded as well as many others. I can not afford this loan and I refuse to accept responsibility for it since I didn't authorize this transaction or sign for it. The loan is for {$6000.00}. Upon making the police report I was made aware that this same guy has done this before and he's facing several felony charges. Even on it's face, the loan is of predatory lending, I would not have agreed to those terms given the percentage rate. I've been preparing my credit for a decent mortgage loan, not this, and my credit is in good standing. I don't need this stress. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have 2 hard inquiries from Navy Federal Credit union one on XX/XX/2021, & one on XX/XX/2021 for a used vehicle loan. that wasn't me that applied for anything, those inquiries are affecting my credit. I would like you guys to get that company to remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
RECEIVED NOTIFICATION THAT COLLECTION ACCOUNT WAS PLACED ON MY CREDIT FILE. NO WRITTEN INFORMATION OR DEBT VALIDATION RECEIVED TO DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: FL

Complaint narrative:
I was turned down for an XXXX  card on XX/XX/XXXX because the experian report showed too many new cards. It is unclear if the customer service rep from XXXX  was referring to the amount of hard pulls or too many new accounts. I'm nearly certain they were talking about new accounts, but this doesn't change anything. 

I had three new cards added to my experian report on XX/XX/XXXX ( 2 years and 4 days before the new XXXX  application ). 

All three of these cards should have been removed from my report after two years per writing on the Experian website. However, these three cards were the reason I was rejected. 

The report used by XXXX  was stale information. Stale information is wrong information. My personal finances shouldn't be at the whim of this large incompetent entity unless they are willing to resolve these mistakes without additional hard pulls and wasted time. 

An Experian representative said over the phone they removed them after 2 years and 30 days. This is not consistent with their own website. 

Looking at my Experian report specifically ( not some made up conglomerate report ) through XXXX XXXX showed those three cards on the report as late as the XXXX XXXX ( 3 days after they should have been removed ). However, they were removed from that view of the report on the XXXX of 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 non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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 XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: SD

Complaint narrative:
Back in XX/XX/2021, I was late paying my mortgage payment. I tried via phone and through the website to pay. The phone system said the payment had gone through though it had not. Trying to pay online was also extremely difficult and convoluted. After I had finally made the payment, it was late and reported to the credit bureau as delinquent even though I had attempted repeatedly to make the payment. I reached out to the company twice to ask them to remove the reporting. Not only did they not remove it, they did not even listen to my complaintjust sent an automated response. I would like them to remove the reporting and improve their methods of accepting payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I am disputing a nissan motor acceptance corp account on my credit report that is listed as closed and should show paid in full .I did not file a bankruptcy so this account should read as paid in full on my credit report I am asking that nissan remove this account from my report or report it as paid in full as the account was paid in full I have disputed and call to get this resolved for months now and nothing is being done The account was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc.

Complaint narrative:
We have recently faced issues with using the Blockchain.com Wallet, regarding the correct display and loading of the balance page. The problem occurred recently, and many acquaintances and I have not been able to view our balance correctly, and the function to send and receive funds using the wallet. 
The issue occurred on XXXX XXXX, 2021, on multiple accounts. 
We believe is there is a server error. 
We have already tried contacting Blockchain.com on two occasions, but we have yet to receive a response. 
We ask for your assistance in trying to contact the company, so we can resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
Monterey Collection Services is saying I owe them {$420.00} on one credit bureau and on the other credit bureau {$370.00} for the same collection which is a red flag and error.I have never done business with them I have no contract with them or obligation. 
At the same time theyre violating HIPPAA . 
Again I have no contract with Monterey Collection Services and they have no validation of me doing business with Monterey Collection Services company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief