vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I got a government loan sent to my account figured I will try to send to my XXXX bank as regular banks are very strict with some deposits. I sent my loan deposit to moneylion I was able to make few purchases and withdraw some funds for biz purposes and next thing u know my account is frozen .. my phone was hacked via email I think someone sent bogus documents and tried to take matters into there own hands ... I tried to do everything in my power to get my account opened back up .. tried to send my actual documents they said that wont matter .... fast forward Its been 6 months I have about XXXX in the account they tell me my account is closed but they have been charging me admin fees for XXXX every month ... so Im being lied to and they are slowly draining my account .... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nadler & Associates, P.C.
State: GA

Complaint narrative:
The judgement took place in XXXX, they are unable to provide any proof of the debt and the debt has been sold to at least 4 other collections companies. I want to dispute but Im not sure how. The company that started the lawsuit is listed as Nadler and associates XXXX. The debt maybe in as many as 3 different offices, with no proof of debt. I know I do not owe over XXXX for a card I had in XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
since XX/XX/XXXX I lost my credit one credit card. I know it had a zero  balance. 
This card was closed with a XXXX balance and statement to prove i do not owe. XXXX  XXXX removed from my credit report, however LVNV  funding who they partnered with did not. originally both were trying to come after me for the same amount over {$570.00}. Which I did not owe. I have sent letters and email and proof on both ends that this is illegal and extorting since there was no amount owed. I have lost over 50 points on my credit because of this denial of a home. I refuse to pay this debt that I do not owe. I spoke w 7 XXXX  2 wees ago XX/XX/XXXX. Which they said they would remove after almost 3 years of fighting. they gave me the XXXX as remove. now XXXX it has not been removed and everytime I call they hang up on me and say they can't help me. I do not owe this amount and I have not charged anything on this card since i lost it in the mist of moving from XXXX to XXXX  that same week. I have tried to contact over 27 times each company and have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I did nor authorize company to make an inquiry on XX/XX/XXXX. I have 2 vehicles with Affinity which were purchased same day in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
My loan was purchased while I was awaiting a decision on a modification. I had received 2 letters from XXXX stating that have received a full package and will contact me in 30 days. 36 days after those letters I call to find the results and Im told my loan was sold to Fay Servicing company. Since then I have been trying to contact XXXX to find out the status of my loan. I was told by one representative that my loan was not protected and it was in foreclosure. I was told by another representative that I have a manager that works on my account name XXXX that will be contacting me in an email was sent it has been over a month I have yet to hear from that person. I have contacted XXXX XXXX to assist me in phone calls and they have failed to get any information. They refused to call me back. When I call they are rude, they offer no advice no help Im just told somebody will contact me but it is been almost 2 months and I have read upon their reputation that they force homeowners into foreclosure which scares the life out of me. They had a class action suit against them in 2017 and were find over {$1.00} XXXX for forcing homeowners into foreclosure. I feel that this is the same thing they are doing to me I get no cooperation no answers nobody will help me all I keep getting is somebody will call me back XXXX has not called me back once and he has received three different emails from three different representatives nobody else will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX 2017 I was a victim of identity theft thru my driver 's license. XXXX XXXX was the only company not to dismiss the debt. The amount of {$1900.00} has been passed around numerous Debt Collectors that dismiss it themselves. I have had to take action for over 3 years and XXXX XXXX has never stopped. XXXX also didn't not give me any details under their dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear Capital One, Capital One Account Number : XXXX I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As well as 60 days late on XX/XX/XXXX and 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX. I immediately disputed this information with XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act XXXX FCRA XXXX, as the information furnisher, you are required to notify me of the insertion of negative listings. These incorrectly reporting items have hampered my ability to obtain credit. 
I believe that any judge that looks over the report would agree that it is a violation of the FCRA, FCBA, CCPA and FACTA. The following account listed on my report I demand a full accounting and up to five years worth of records to see if this account is in violation of the FAIR CREDIT BILLING ACT ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ). 
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. 
Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX CC : Attorney General of California XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX XXXX, CA XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: NC

Complaint narrative:
In XX/XX/2021 I responded to an offer of credit and asked for more information after talking with them my current mortgage holder told me that they would match the rate they were offering and not apply any origination fee or closing costs. In one of the phone calls with Sovereign Lending Group I told them this and they kept telling me that this is the same thing they were offering but when the disclosure were mailed it in fact was not. I asked them to stop contacting me several times as I was going to stay with my current lender because they can match the rate and not charge all of the XXXX dollars in origination fees for closing the loan. I have sense answered the phone several times they always call from a different number and it is a different person but it is always a 949 area code. I told them in the beginning of XX/XX/2021 that I did not appreciate them calling me so much as I would about XXXX hours a week and that under no circumstance would i do business with someone that operates with such predatory practices. I work in XXXX so I understand that people dont always take no for an answer and often respect them for trying but this is beyond that. Subsequently after I told them I was going to stay with my current lender they pulled my credit again at the end of XX/XX/2021, they responded by saying they did not request it. The biggest problem is the high pressure tactics have moved to harassment over the past 45 days and do not feel comfortable that this company is going to safeguard my information because I have not done business with them. I have a myriad of emails and overnighted envelopes, and wonder what they are able to push XXXX folks or people that come from a different socioeconomic background. I imagine that an audit into this companies practices would reveal many violations and really all I would like is for the harassment to stop and my information be stricken from their records. Also they need to to remove the additional unauthorized inquiries that happened in the end of XXXX The employees that I have names for are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I have more letters but the issue really is the verbal communication and the crazy amount of phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at MUFG UNION BANK XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is 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 non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
We were working with XXXX XXXX with US Bank on purchasing a second home in XXXX After getting pre qualified through XXXX with a 3.25 % interest rate we signed a contract for a home. We sent over the ratified contract to XXXX to lock in our rate and get the ball rolling on XX/XX/2021. On XX/XX/XXXX, XXXX 's assistant introduced himself and started requesting all of our financial information, personal info etc. On XX/XX/XXXX I asked a question, no answer. I reached back out on XX/XX/XXXX and XXXX shortly replied stating that XXXX would have to answer my question. I never heard back from XXXX so I followed up on XX/XX/XXXX, XXXX again replied and ensured me that XXXX would get back to me that day. Never heard from XXXX so I followed up on XX/XX/XXXX. XXXX didn't reply until XX/XX/XXXX when he said " There was a recent change in lending industry for 2nd home and investment property and regrettably I will not be able to give you the rate we originally quoted you, the rate for 2nd home is currently 3.625 % due to this new change ''. So I called around other lenders including US Bank and they informed me that this change wouldn't go into effect until XX/XX/XXXX. So I called XXXX 's XXXX XXXX XXXX and he informed me that if XXXX locked in my rate like he should have back on XX/XX/XXXX that this change would NOT have any effect on our loan or interest rate. XXXX XXXX cost XXXX {$20000.00} with this higher interest rate, he cost us valuable time for our closing and he also hurt our credit due to our new lender having to do another hard credit pull. Now XXXX 's XXXX is ignoring my calls and voicemails and won't call me back.

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 2021-03-25 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:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.

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 2021-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
I recently refinanced with freedom mortgage and today received the first mortgage statement. The amount due is {$2600.00}. The interest rate is shown as 3.25 %. When I talked on the phone the rate agreed on was 2.25 %. Also I was to skip XXXX and XXXX payments. New Payments are listed as {$1300.00} and a overdue payment for {$1300.00} is listed this would be for XXXX. Both the interest and the XXXX payment are incorrect, I have not been able to look at what I signed from all the emails. 
The outstanding principal on the statement is {$240000.00} with an deferred balance of {$7900.00} and the interest rate of 3.25 %. This rate I first agreed on is 2.25 %.

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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
Hello, This company XXXX XXXX XXXX are continuing to attempt to collect a debt that I am not liable for. I have attempted to rectify this problem thru the bureaus but they are still reporting and continuing to report negatively toward my credit. have attached a letter from the XXXX XXXX of the apartments that show that I left out of my lease with no balance attached to me. I lived in the apartments from XXXX. I paid rent on time and never missed a payment. 

When I moved out I left without owing any debt and no responsibility was due to me with the apartments yet the collection INNOVATIVE RECOVERY is reporting to my credit that I owe a balance of {$2500.00}. 

I a not liable for this debt as I have expressed several times so therefore I do need to make a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: CA

Complaint narrative:
Collection agency has failed to remove the debt from my credit report after I paid in full. Collection agency representative can not give me a date as to when it will be removed. Agency representative said it was " a good thing I called or it would have just sat here with a XXXX balance, if I want it removed I can go ahead and have the credit company call them ''. Company never informed me of intention to report to credit agency. This has all happened during COVID when finances have been at their worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax continues to report I am Deceased, after receiving correct information from XXXX  XXXX XXXX. 
I have 2 recent disputes with Equifax. 
When Equifax completes the disputes and indicate COMPLETED. Equifax continues to show I am Deceased. 
XXXX  XXXX XXXX sent Equifax a letter of Correction on XX/XX/2021. 
I am unable to get a home mortgage because my Credit Score is not available from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: LA

Complaint narrative:
I contacted fedloans multiple times over the past four years to correct my qualifying payment count. I have spoken with multiple agents who have attached notes to my account but nothing has been corrected. There are a total of 31 payments that are not being counted as they are saying that the payment was made outside of the scheduled date however my payment has always been taken via automatic draft on the XXXX of each month. Also for the payment on XX/XX/2015 my payment was not accepted as qualifying payment although my job with access care began XX/XX/2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over. 
I attached the ftc report and letter with my infomation.

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 2021-03-25 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:
I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXX XXXX  XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is 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 2021-03-25 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:
I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXX XXXX  XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is 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 non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, who has financing through Comenity.net/Dental First. They submitted a fraudulent charge of {$130.00} for a toothbrush I had stated I didn't want/need/ OR RECEIVE. They STILL put the charge on my bill and have not corrected it with Dental First. I have tried numerous times to get Dental First to reach out to XXXX XXXX - but their attempts have failed too. I checked today and the provisional credit of {$130.00} has been reversed. I refuse to pay for something I didn't want/need/or receive. 

Comenity gave XXXX 60 days to respond ... they didn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: Phoenix Financial Services LLC
State: OK

Complaint narrative:
The company Phoenix Financial Services is double reporting the same debt. I first looked at my report as I haven't in over a year and noticed a duplicate listing. I reached out to have the duplicate removed and instead of removing the duplicate they updated as late on both listings. After researching these listings I have discovered these are not my debt owed in the first place. I have asked that both be removed as they are not my debt. This has damaged my credit credit score twice over. Please help in the removal of the debts listed that are not mine and repair what was marked as late for over a year.

Company response to consumer: Closed with explanation