vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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: Grant & Weber
State: NC

Complaint narrative:
XXXX XXXX - XXXX - XXXX This account may be hurting your score Account Details Account Name XXXX XXXX XXXX XXXX Account Opened XXXX Account Status Derogatory Last Payment -- Balance {$6200.00} Limit -- Account Closed XXXX Mon Payment -- Worst Status Unknown XXXX  Individual Account Number XXXX Late Count -- Open Closed 30 60 90 Days Late -- Date Reported XXXX Account Type Installment Account Late Dates Has this on my credit report. They have failed to provide proof of this fraud since XXXX since I noticed it. They are frauding the amounts & dates to fraudulently keep on my credit report to gain funds. I've never been with XXXX. Even as those dates I've always had XXXX  & submitted documents and paid a credit repair to remove it. When I did XXXX changed the dates to recent from a XXXX. Alot of things are blanked out and don't make sense. When investigated they closed account and still showing only report. I called and asked for documents and they failed to provide any. None at all. This is not mine & they know it. I copied & pasted there report above showing what their doing. It's fraud that these businesses adds funds like XXXX and grants & webber whom has not provided documentation either but amounts keep changing and there's no supporting proof of these and are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Collection Services, Inc.
State: TX

Complaint narrative:
Automated Collection Services would not validate an alleged debt and did not cease collections attempts. Continued to communicate in regards to the alleged debt after being asked to cease all communications. Then ACSI listed the account as accurate and disputed with no validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Celebrity Financial, Inc.
State: CO

Complaint narrative:
We purchased a loan with Celebrity Home Loans ( phone XXXX ) on XX/XX/2021 for the loan amount of {$350000.00}. We made a {$80000.00} principal payment on XX/XX/2021 leaving the balance of {$270000.00} after also making a normal monthly payment of {$1700.00} on XX/XX/2021. 

On XX/XX/2021 our loan was sold from Celebrity Home Loans to XXXX XXXX Mortgage XXXX phone XXXX ) at a principal balance of {$350000.00}. 

I contacted XXXX about our principal balance being wrong and they said contact Celebrity Home Loans. I did this and they said it can take 60 days to transfer everything. 

Our loan was then sold again to XXXX XXXX XXXX XXXX phone XXXX ) for {$340000.00} and now has a current principal balance of {$340000.00} after receiving a payment XX/XX/2021 for {$1700.00}. 

I contacted XXXX about our principal balance being wrong and they said contact XXXX XXXX XXXX. I did this XXXX they said contact Celebrity Home Loans. 

I contacted Celebrity XXXX XXXX today XX/XX/2021 now over 60 days from being sold to XXXX XXXX XXXX  XXXX they show the principal balance as {$0.00} and have no ability to show me the details of the loan sold to XXXX XXXX XXXX  and Celebrity says it should be ok. 

In this time our principal has been transferred wrong and we are paying an improperly amortized payment due to the interest we saved with our large principal payment and also are losing on paying PMI which would have been able to be removed after we reached 20 % equity.

Help please. Do we need to get an attorney. Im able to make another large payment and dont want to have this messed up again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Attenpting to open a savings account with Ally Bank. After having my application accepted, the login setup does not work due to " system '' error. It boggles my mind that an online bank has such issues when traditional brick and mortar banks do just fine

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 2021-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
Real Time Resolutions ( RTR ) claims to be servicing this HELOC debt ( see attached ). RTR also claims that XXXX  XXXX XXXX is the investor. XXXX XXXX XXXX  denies any affiliation with the debt based on prior QWR demands responses issued by them The HELOC loan was originated with a {$36000.00} high credit limit ( attached ). On XXXX, RTR claims they took over all servicing rights which left them with the responsibility to retain past and present accounting records per HUD and RESPA law. Since this is a revolving line of credit, there is interest that compounds daily with interest with a monthly payments due based on the outstanding balance. The line of credit description is clearly listed on the mortgage ( attached ). On many occasions I have requested full accounting records and RTR has refused to provide them. This is a clear violation on HUD, RESPA and CFPB law. Over the many years that this loan has been serviced the balance has been paid down to {$12000.00}. I am now seeking to pay off the debt and RTR has refused to issue a formal payoff with the correct balance of {$12000.00}. The only issue arbitrary collection notices that do not reflect the accounting and servicing records that are required per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD Bank is holding transactions that has posted, in the account several days pass the posted date ; then when it shows posted in your account it is two to three days past that the transaction was still showing pending in the account. TD Bank rigged my online viewing so that I can only print 1 page of activities at a time. In trying to print activities for the past week it would only let me print 1 page of the week ( only what is showing on the screen ). When I tried to call TD Bank to discuss this issue, they claimed that I needed to put in a pass code, but still they did not have a passcode hint for me to recall if I had such. In the pass they have access my account via voice recognition and this time they claimed I needed a pass code. Then they claimed the system locked them out because I did not know the passcode. They stated that I needed to go into the branch to get unlocked ; but I am not locked out I can still access the online service, but they claimed they was locked out because I did not have a pass code. They continues to place fraudulent transactions on my account. As I stated to them on many occasions, if there is a NSF charge, it needs to state NSF and not something that does not associate with me, such as the Debit Card authorization that is showing in the attachment. I did not do any authorization on my debit card in the amount of {$35.00} and that needs to be refunded. Their actions will cause other transactions to not clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
AFFIDAVIT OF TRUTH Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator and holder. 

TransUnion is reporting the following items on my consumer credit report without my permission which is, in fact, a violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX XXXXXXXX XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX # XXXX 7 ) XXXX # XXXX 8 ) XXXX # XXXX 9 ) XXXX XXXX XXXX XXXXXXXX # XXXX 10 ) XXXX XXXX XXXX XXXX # XXXX DEMAND FOR REMEDY of {$10000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

TransUnion is reporting my name incorrectly as XXXX XXXX XXXX and XXXX XXXX XXXX which are, in fact, incorrect and in violation of my FCRA consumer rights pursuant to 15 USC 1681 ( b ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

DEMAND FOR REMEDY OF {$2000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 
TransUnion furnished a copy of my consumer credit report to following parities without my permission which is, in fact, in violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEMAND FOR REMEDY OF {$28000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

Requested information on my consumer file each time an investigation was concluded and have yet to receive requested information which is, in fact, a violation of 15 USC 1681g ( a ) ( 1 ).

DEMAND FOR REMEDY OF {$12000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 
TransUnion willful noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681n and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

TransUnion negligent noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681o and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Statements Made under Penalty of Perjury Must be answered By Counter-Affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
This is a third party collection agency attempting to collect an alleged debt and is reporting on my credit file unlawfully and has violated numerous laws under FDCPA and FCRA in which an invoice is enclosed for the civil liability. I've attached an Affidavit, Validation of debt and Cease and Desist order in which they received certified mail that is attached as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Visa credit card and XXXX XXXX collection agency. 

Debits to my Chase Visa card through XXXX XXXX XXXX were almost all of the outstanding monthly charges to this account, with monthly late fees of {$37.00} adding up to be a majority of the balance. 
No monthly statements were ever sent to me by mail. 
I had requested billing by monthly mail statements for the account numerous times in the past but it was switched to paperless payment with out my authorization. I still try to do as much of my bill payments as possible by mail with a check payments. 
I was unaware that charges were being put on my account until I received a letter and phone call from a collection agency. I thought my wife was was paying the XXXX bill from her credit card, a truly honest mistake. If I was aware this was being put on my credit card I would have paid the bills when they came. 
I have spoke with Chase Bank and XXXX XXXX numerous times with no luck with regards to resolving this issue. 
After speaking with them, they dismiss my story and tell me I have to pay the full amountof {$600.00}. A major part of this were monthly late charges. 
I have offered to pay the outstanding balance minus the monthly late fees, but am told there is no negotiating the settlement balance, and I believe my story is being dismissed as nonsense. My wife and I have near perfect credit and this is not a financial hardship situation. 
Please review my letter and let me know the best wat to move forward. 
This has become very XXXX XXXX for us since it was brought to our attention. 
My wife is very sick and needs a XXXX XXXX. Her XXXX has been put on hold because of the pandemic. Little unresolved things like this just add to more stress in our lives, Very frustrating. 

Best regards, XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: CA

Complaint narrative:
Hi My SSN got stolen, and someone using my SSN open a capital one credit card. I aware SSN stolen in XX/XX/2021. I filed police report and contact Capital one to dispute the credit card. I provide bills to show where I live, and provide the policy report. I ask the billing address on credit card. I find out Its a mailbox. I thought the person who own the mailbox is the person who stolen my SSN.capital one didnt do investigation at all. And they capital on doesnt care about this issue. They just want me to pay off that credit card and take their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Changed my phone number on the account, which forced a lock. Been trying to contact the credit card company and every time they say it is under review and I would receive a call from them, but I am yet to hear back in 2 months, every time I call they say they can not help since the verification call has to be an outbound call. Atrocious considering I can not access any of my account information, can not pay my bill without having to call in, all active subscriptions are on hold, and I cAn not use my account for any purpose. All I need is to verify my phone number, how hard can that be? 

Phone no in question : XXXX ( they need this to pull the acc info )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Debt was charged off and sold to collectors and I am now being harassed XX/XX/2020. Submitted a 609 letter and still is on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Financial Services of Mississippi, Inc.
State: TX

Complaint narrative:
I have contacted Financial Services of Mississippi about a old auto loan. I asked them to remove it. I was informed that they no longer report to the Credit bureaus and that my debt is forgiven through then. This is an issue. I need this resolved as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My bank confirmed that BANK OF AMERICA CREDIT CARD and my PAYMENT check XXXX FOR XXXX was SENT TO MY bank WITH THE WRONG ACCOUNT NUMBER so the CHECK WAS REJECTED. The routing number on the check was correct. 

BANK OF AMERICA IN ITS ARROGANCE each manger - three of them would not confirm their mistake even though XXXX XXXX support proved to them over the phone that XXXX XXXX was correct and that BANK OF AMERICA sent the wrong account number that did not match the account number of the check. 

I had this BANK OF AMERICA account for 19 years. They have to fix the issue not me I did not cause it so if they failed I OWE them nothing. I paid them and they would do NOTHING to fix the issue. I closed my account with them and will be open a civil lawsuit where they will have to pay all the fees. They threaten to hurt my credit because of their mistake. 

I have all the conversations recorded. 

I was on the phone with them for over an hour. 

Each manger level are useless, they were like XXXX XXXX  reading a script and I am not even sure what they are good for - they all should be fired. I will be writing to the CEO XXXX XXXX, XXXX XXXX XXXX and all the rest of the board of directors. This company I now pray daily will go bankrupt. 

XXXX - Floor manger ID :????? 

XXXX - ID 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 monetary relief
Consumer complaint received 2021-08-11 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: OH

Complaint narrative:
My concern is with the infrequency that experian updates the information on credit reports despite claiming the information is current The problem with this is that credit scores are calculated based on credit used/balance outstanding. 

As an example : on my credit report dated XX/XX/2021 experian shows my XXXX XXXX balance of {$9800.00} as of XX/XX/2021 ... .however I made a payment of {$9000.00} on XX/XX/XXXX well before my closing date and then additional payments after bringing my balance to XXXX. 

Now experian is saying that the next update to my credit report will be XX/XX/2021 ( another 23 days from the writing of this complaint ) Which means that despite me paying down my balance in early XX/XX/2021 it wont be reflected on my credit report until mid XXXX Which means it limits what credit I can apply for because my ratios will look as if I am utilizing more credit than I am actually using. 

I try to dispute the balances to force a manual review however experian claims they reviewed the balance and it is correct and does not update the balances. 

This is very frustrating My score just dropped 15 points in XXXX and the reason given was increased debt usage But I am not using that debt Id like experian to truly update balances monthly and not claim they are but use data 60+ days old

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 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Debt was charged off and sold to collectors and I am now being harassed XX/XX/2020. Submitted a 609 letter and still is on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: CA

Complaint narrative:
There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$9500.00} Opened XX/XX/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 2021-08-11 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: CA

Complaint narrative:
There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! XXXX XXXX XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows a payment deferred status with on my XXXX mortgage account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX  mortgage and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.

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