vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 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:
not mine : FCRA violations base on my findings of the law and no brainer situations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: IL

Complaint narrative:
[ ATG CREDIT LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: FL

Complaint narrative:
This complaint is for the timeshare company XXXX XXXX XXXX. We spoke with XXXX XXXX who claimed he's a realtor & manager XXXX XXXX, both claimed to not work on commission. They said we were making a good financial investment especially for our kids. They told us that the purchase will have some tax benefits, similar to owning a second home. We were promised gifts of 3-day vacation, {$100.00} slot machine, $ XXXX-dining. We were also pressured to do an upgrade by telling us that it's the last chance to upgrade at the lowest price. They had us open a credit card, and they are the ones who signed the application for me. They never gave us enough time to read the contract and we were never made aware of the fees. They promised us that after we pay the loan, we won't be paying maintenance fees anymore. They also made us believe that we would make money from the timeshare. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I called the following week and spoke to someone named XXXX from XXXX to cancel but obviously it was never cancelled. We experienced financial difficulties due to this timeshare, we couldn't buy groceries at some point & we even have to take a loan to pay for the credit card. At our age, we already have some medical conditions & having this timeshare is causing us being unable to sleep because of the stress we get. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, all the lies XXXX and everyone else told us during the buying process, we felt we have been taken advantage of for commission, we can't believe the lies were legal or that they were even allowed to lie to people in order to get them. We were simply defrauded, this is a scam.

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 2021-06-17 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: FL

Complaint narrative:
This complaint is for the timeshare  company XXXX by XXXX. We spoke with XXXX XXXX who claimed he's a realtor & manager XXXX XXXX, both claimed to not work on commission. They said we were making a good financial investment especially for our kids. They told us that the purchase will have some tax benefits, similar to owning a second home. We were promised gifts of 3-day vacation, {$100.00} slot machine, $ XXXX. We were also pressured to do an upgrade by telling us that it's the last chance to upgrade at the lowest price. They had us open a credit card, and they are the ones who signed the application for me. They never gave us enough time to read the contract and we were never made aware of the fees. They promised us that after we pay the loan, we won't be paying maintenance fees anymore. They also made us believe that we would make money from the timeshare. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I called the following week and spoke to someone named XXXX from XXXX to cancel but obviously it was never cancelled. We experienced financial difficulties due to this timeshare, we couldn't buy groceries at some point & we even have to take a loan to pay for the credit card. At our age, we already have some medical conditions & having this timeshare is causing us being unable to sleep because of the stress we get. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, all the lies XXXX and everyone else told us during the buying process, we felt we have been taken advantage of for commission, we can't believe the lies were legal or that they were even allowed to lie to people in order to get them. We were simply defrauded, this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: AFNI INC.
State: FL

Complaint narrative:
AFNI, INC. collection for a XXXX account : Have notified XXXX that it is identity theft/fraud as the XXXX charge that is in the hands of the collection company AFNI is not ours. We have NEVER had a XXXX account of any kind. We discovered this on our credit report yesterday XX/XX/XXXX in discussion with a mortgage lender who sent us a copy of it. 

We have never been contacted by anyone regarding this despite it showing as going back to last year XXXX, and have no knowledge of it, as we ever incurred a debt to XXXX. 

Have tried repeatedly to reach AFNI by phone without success. Left on hold in voice system without anyone ever picking up. Took photos of the phone face showing staying on hold anywhere from 13 minutes to a half an hour each time before giving up and hanging up. 

Have emailed the company as well from their site, with no response. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: GA

Complaint narrative:
Hello my name is XXXX XXXX and Im submitting this complaint on behalf of myself and nobody else. On XX/XX/2021 I mailed a dispute letter to Equifax about multiple inaccuracies being reported on my credit report and Ive yet to hear back from them in regards to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I hand wrote a will i have a safe deposit box there at bank of america to put the will in tried having it notorized my bank told me they dont notorize wills. I have had these accounts fkr years there. If i got proper id and member of bank i had a appoitment at XXXX XXXX  Why was i discriminated? I had proper id and my bank card yet i was refused service and im XXXX. Why? The same letter is in deposif box at my branch in XXXX XXXX mi XXXX. The manager refused me to be notorized. If i got proper id why would be refused to prove i signed anything? Why is my WILL there buisness??????

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 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
After looking at my consumer report I noticed a collection I did not recognize and wanted to address. On XX/XX/2021 I sent a letter to the collection agency in question. I simply sent a letter asking for a validation of debt so that I can understand this consumer transaction. After sending my letter to Cavalry Portfolio Services , LLC they sent me a summons with multiple letters saying I was being sued. This letter terrified me because it stated that the paycheck I use to feed, clothe, and house my family with will be taken away from me to pay a debt alleged to be mine. After reading over the fair debt collection practices Act I noticed that this could be a violation pursuant to 15 USC 1692d ( 1 ) but I'm not sure. I also saw some other possible violations that I wasn't sure applied to me, I wrote them on the exhibits attached. The only thing I ever wanted from initially reaching out about this debt was to gain clarification and fulfill my obligiation whatever that may be. And this company immediately started attacking with this lawsuit alongside XXXX XXXX XXXX XXXX XXXX who is acting as this debt collectors attorney. This letter was recieved by me on XX/XX/2021 and the court date is scheduled for XX/XX/2021. I was not given enough time to respond to the letter appropriately or even get an attorney together to help represent me. I feel like I am being set up for failure. I think this is also a violation of 15 USC 1692g ( d ) and 15 USC 1692e ( 7 ) but again I am not sure and wrote the rest on the exhibits attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: CA

Complaint narrative:
On XX/XX/2021. I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2021 I sent letters informing XXXX XXXX and TransUnion of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX XXXX  and TransUnion another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship for us can you please investigate.

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 2021-06-17 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: TN

Complaint narrative:
On XX/XX/2021 I sent letters informing XXXX Equifax and XXXX of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, Equifax and XXXX  another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship for us can you please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I closed on a refinance with Mr Cooper Home Loans on XX/XX/XXXX. 

I was told I would not have to make my XXXX payment and that my first payment with the new mortgage would be in XXXX of XXXX. 

They took out my XXXX payment anyways and are telling me it's because I didn't cancel autopsy despite their website telling me I didn't have to. They told me the Loan Officer should have warned me and now there is nothing they can do about it. 

This is causing me great financial harm and distress because I actually had that money earmarked for an earnest money deposit on a house my wife and I are trying to buy and I don't know if I can make that happen now. 

I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: VA

Complaint narrative:
After purchasing a home with a VA loan my wife and I have received what can only be described as a harassing number of refinance letters from ClearPath Lending. We have never had any business dealing with ClearPath Lending and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. CleapPath Lending has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021. They agreed to stop sending letters. However my wife and I have continued to receive letters from ClearPath Lending, with the latest received today ( XXXX XX/XX/2021 ).

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 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Prior to my loan being sold from XXXX mortgage to NewRez mortgage, I agreed with XXXX to take the loan out of escrow. Somehow the fact that my loan was not escrowed was not communicated or acknowledged by NewRez. As a result, at year-end 2020, I paid my property taxes and then NewRez came behind me and paid again. They then reflected a negative escrow balance and indicated that I owed them for the property taxes they paid. After 6 months we are still working with the municipalities to try to get NewRez refunded. This latent escrow issue has hindered my ability to refinance in the current favorable interest rate environment causing me personal financial damage in the form of higher interest expense than I would be incurring if I were able to refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
NATIONAL CREDIT SYSTEMS add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA NATIONAL CREDIT SYSTEMS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
THIS COMPANY IS CHARGING ME UNAUTHORIZED LATE FEES AND CHARGES ON A ACCOUNT I REQUESTED TO BE CLOSED AND BILL I PAID THEY WERE SUPPOSED TO REMOVE LATE FEES WHICH IS HOW THE COHERSED ME INTO PAYING THE BILL FOR CHARGES I DID NOT HAVE AND HAVE YET TO DO SO AND REPORTING ME LATE ON MY CREDIT REPORT I HAVE BEEN AFFECTED BY COVID AND THEY CONTINUE TO DEFAME MY NAME WHEN I HAVE STOPPED DOING BUSINESS WITH THIS FRADULENT COMPANY XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was charged in error by a hotel for a stay in which I used points to pay for my room. The hotel says they did not charge my card, or that they charged my card and then immediately reversed the charge, yet my card is still showing the debit of {$160.00} I have called Chase and they will not refund my money. They insist on me providing documentation of points being used for the stay, when the hotel could easily provide this information. I have a life, and have now wasted over a month of phone calls and emails to dispute something. It is clear their agenda is to get me frustrated enough to just give up so they can have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC
State: NJ

Complaint narrative:
Please note that the debt with Enhanced Recovery Company on behalf of the original creditor has been satisfied. Creditor refuses to update my credit report to reflect {$0.00} balance. Why hasn't this been updated? I received threatening messages from this company and fear of being sued for an old debt already satisfied. A possible judgment will damage my credit for at least 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have been charged {$120.00} in fees due to a mistake or intentional misinformation by the bank and was told that those fees are not refundable. 

I opened my checking account in person at Bank of America XXXX of XXXX. I was told at the branch that I will be given a student checking account with a fee waiver. However, I have just discovered that the account that BoA gave me, which I thought and been promised to have a fee waiver, have been paying a XXXX XXXX  monthly fee for the past 7 months. I contacted the BoA regarding this issue XXXX XX/XX/XXXX around XXXX ) and was notified that my account doesn't have a fee waiver and was not setup as the student account that I was promised at the branch. They fixed the account type and gave me the fee waiver. However, only 2 out of 7 monthly fee instances were refunded.

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 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
I called to ask for proof of verification of debt, I asked while I wait for this to come, I asked for them not to call me after this and to communicate only thru mail. I have been called since

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Paypal Holdings, Inc

Complaint narrative:
Paypal has permanently suspended my account with no real reson, i have tried contacting them but they have done nothing to help me, i have genuinely ever done anything wrong and i have not even used the account for any financial transactions, a close friend told me i can use this site to file a report, hoping you can assist me, the email linked to my account is XXXX paitently waiting for your assistance in resolving the matter

Company response to consumer: Closed with explanation