vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE

Complaint narrative:
On XX/XX/2021 a withdrawal of {$2000.00} was deducted from my account for XXXX payments on my loan. On XX/XX/XXXX, the mortgage company reversed the payment and never re applied to XXXX payment. Now I'm getting notice of breach, and my XXXX statement shows the reversal they did and they are asking me to pay XXXX again with XXXX statement. Also I refinance for 25 years ( 300 payments ) and on my online loan amortization I'm showing 301 payments for my loan amortization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
On XX/XX/2021 I received two unsolicited Debit Visa cards in two separate mailings from Current. I did NOT request these cards and have never had any account with them. The mailings included a card with a number to activate and NO explanation as to why I received the cards. I tried to call Current but you can only chat with them online. 

I am highly concerned that these cards were created as a result of identity theft and/or predatory credit mongering. 

I need assistance and direction as to how to deal with this situation. I DO NOT want these cards activated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
I did a mortgage refinance with XXXX and the loan would be serviced by The Money Source, starting from XX/XX/2021. I transferred {$3600.00} to The Money Source on XX/XX/2021, immediately after the loan close, to pay down the principal. 

I got a letter from The Money Source, dated on XX/XX/2021, stating the loan would be transferred to another servicing company, effective XX/XX/2021. I checked my loan information with the other company, it turned out that The Money Source had not transferred my principal payment. 

I called them several times, trying to resolve the issue. They told me the fund would be transferred by XX/XX/XXXX, and when that didn't happen, they told me it would take another 60 days, from XX/XX/XXXX, to transfer the fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
XX/XX/2021 I spoke with XXXX from Freedom Mortgage. She said I did not have account with Freedom Mortgage. I gave her my loan number. Phone, address, and my name. They said over and over she did not understand. They have me and husband social security numbers mixed up. They have my name misspelled. They have everything mixed up. The mortgage company has a hard time posting payments and it takes them up 30 days post our payment making our account late. This has been ongoing issue. With since our account was sold to them.

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 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I found two hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXX XXXX XXXX/BrclybankofDE. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and XXXXr, they can not find the inquires and no one will answer at Barclay bank of DE. XXXX is sending me a letter with the information to call the company but I did not open any new accounts.

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 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received a promotion from Citibank to open both a Savings and Checking account and if a minimum of {$15000.00} between both accounts stayed in the accounts for 60 days, I would receive a {$400.00} bonus. The bonus was to be paid within 90 days after meeting the criteria. I opened my accounts XX/XX/XXXX and they were funded XX/XX/XXXX. The promotion stated the accounts had to be funded within 30 days of being opened. I met this requirement. I had a combined balance of {$15000.00} or above, which I actually still have to this day, which meets the 60 day requirement on XX/XX/XXXX. If calculating 90 days from that, I should have received the {$400.00} bonus by XX/XX/XXXX. I have yet to receive it. I've had two online chat conversations and spoke with a XXXX, a personal banker, who all confirmed I have a promotion associated with my accounts and I indeed met the requirements. A case was opened and researched and I have since received a letter stating no promotion was associated with my accounts. I don't see how this can be the case other than that Citibank does not want to pay it out. I have no branches near me so the only way I could have opened my accounts was through the link that I received. 

Also, when opening the accounts I never received any welcome packet, account information, or disclosures which is a violation of Reg DD, correct? 

I am extremely disappointed with Citibank, who is a billion dollar corporation, and should have better business practices than this. I would like for my {$400.00} bonus to be deposited into my account as was expected. 

Thank you.

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 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX. I settled that debt through XXXX XXXX XXXX in XXXX. At some point, XXXX. XXXX XXXX sold the debt to several debt collectors who have been harassing me and leaving threatening messages. The most recent one was threatening to garnish my tax returns. Previously they would continue to call and call me poor .... continue to harass me for being a loser and not being able to pay my bills. I keep blocking the numbers and asking them to stop calling me. Ive explained that Ive settled this debt. They keep using new numbers and becoming more threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I recently received the attached letter from Debt Recovery Solutions , LLC. While it does not refer to the date of service or other specifics of the original debt, I believe it relates to an emergency room visit by my then-XXXX year old daughter in XXXX. I contested the amount of the physician charge from the beginning, and responded repeatedly to the original debt collection agency but no resolution was reached. The last I heard from anyone was late XXXX, until this letter dated XX/XX/XXXX. 

I never paid this medical bill, openly contesting it from the beginning. However it is now more than 5 years past the date of service ( XX/XX/XXXX ) which is beyond the statute of limitations for contracts in the state of Virginia where this ER visit took place and where I still reside. This debt collection company should know it is trying to collect an unenforceable debt. It is also asking for more than double the amount charged by the physician group, from {$330.00} to {$790.00}. That is a remarkable interest rate and probably usurious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: WA

Complaint narrative:
I have contacted this Allied Collection and asked for proper proof of this debt and they have not provided. They basically provided a receipt of me staying there, no proof I owe this debt. I want this removed

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 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive requested over 10 times for Equifax to update my personal data to show up-to-date information. They continue to state the previous addresses have been removed from my credit file. But as XX/XX/ the information still remains. As soon as this is not up to date this increases my changes of having a mixed file and destroying my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I received a letter in the mail that my account will close for inactivity unless I use it in the next 15 days. That letter was dated XX/XX/XXXX. 

When I picked up my mail last, it was the weekend of XXXX XX/XX/XXXX. This letter was not there. I visited my post office again on XX/XX/XXXX, yesterday, and saw the letter. 

The account was already closed. I was taught by XXXX XXXX that you should never close your account because it is part of your credit history. My card was still active until XXXX. I could have used it for emergencies. I called four times but they were not understanding. They said they sent that letter and that I did not respond. They changed the subject to the other credit card I have with them. I called 4 times asking speak to a XXXX  The fourth time I was kept on hold at least 10 minutes. This did not allow me to take a survey. 

So I think that if you are a customer in good standing, this is discrimination. Only I can close my account. I should not use my card just to keep it open. They said I have not ised it since XX/XX/XXXX. XX/XX/XXXX was a pandemic. They should be hapoy for the inactivity when there are so many people who can not pay off their card. Again, this egfects my credit score. 

Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
someone has access to my personal information and is ruining my credit by making outrageous purchases. i have no knowledge of what or who this could be. i lost my bags in the airport summer of XXXX  going to Florida ever since it seems I've had problems in my life.i also filed a report with the FTC yet these companies refused to remove these fraudulent erroneous items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I found two hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, Capital One Bank  USA/ XXXX XXXX. I think someone stole my information and attempted to open accounts in my name. I have contacted both Capital one and XXXX they can not find the inquires and no one will answer at XXXX XXXXXX/XX/XXXX XXXXXXXX  is sending me a letter with the information to call the company but I did not open any new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I found XXXX hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXXXXXX Discover XXXX. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and discover, they can not find the inquires and no XXXX will answer at XXXX XXXX XXXX XXXX  XXXX is sending me a letter with the information to call the company but I did not open any new accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: VT

Complaint narrative:
NOVAD was asked via XXXX XXXX for a payoff amount for closing purposes on or about XX/XX/2021. I, myself emailed XXXX XXXX XXXX ( this was a second request, XXXX having done the XXXX request a week earlier XXXX. I called 3 times, once on Wednesday the XXXX was on hold for XXXX minutes then again on the XXXX, was on hold for XXXX minutes and again on the XXXX and held for XXXX hour and XXXX minutes before someone finally answered, The woman I spoke with stated that obtaining a payoff figure is a XXXX day process and can not be expeditated. " There are only XXXX people working and there is a back log ''. There is also a recording stating if you leave your number you will get a call back the following day. I still have not gotten a return call from XXXX business days ago!! You would think a company would be happy to get you payoff figures so you can get the loan paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Experian for method of verification fo accounts on my credit report for which I have documentation that they received this request on XX/XX/XXXX. On XX/XX/XXXX I received a letter from them dated XX/XX/XXXX that the projected completion date for my request was XX/XX/XXXX. I in return sent them a letter advising for method of verification the response was 15 days and not 30 and to remove the items from my credit report, for which they received this request on XX/XX/XXXX. Experian did not remove the items so i filed a complaint with the CFPB and received complaint document number XXXX. The response from Experian was one that I did not supply them with the information requested, how they assumed that. I do not know, however I wrote and sent each letter of request for which they received. I noticed on my credit reports that Experian continue to state that the Third Party XXXX XXXX verified the accounts to be accurate, so I wrote to XXXX XXXX to receive their method of verification for accurately reporting this account to Experian, for which they did not respond. I again wrote to Experian advising them of this on XX/XX/XXXX for which they received the request to remove the items again on XX/XX/XXXX. On a letter stated from Experian on XX/XX/XXXX they once again stated verified as accurate via XXXX XXXX. On XX/XX/XXXX I prepared a letter to send to XXXX XXXX, however ; I phoned and spoke with XXXX at XXXX XXXX instead, he stated that a letter dated XX/XX/XXXX should have been sent out to me stating those accounts were deleted from my report as per their earlier investigation of the letter they had received from me. They resent this letter and on XX/XX/XXXX I sent a copy of this letter to Experian stating that they immediately delete/remove the accounts from my credit report as per their third party reporting agency these accounts as been deleted as of a result of their investigation. I received a letter from Experian on XX/XX/XXXX stating accounts remains as per XXXX XXXX verified accurate. This is not factual and I believe they did not even view the letter, they just used a computer to erroneously verify this information

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 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On the XXXX of XXXX, I sent in letters regarding inaccurate reporting of false items on my credit report. I have not received their method of verification nor the results of their investigation. I feel like I'm being ignored of my claims and disputes. These are deceptive practices of the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wrong person

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 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
in XX/XX/2020 I pulled my credit report and my XXXX XXXX in hope of purchasing a new home to find out someone has opened accounts in my name with out my authorization I contacted them but they refused to remove this fraudulent erroneous item from my report. below I will attach proof that I was a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

XXXX states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information XXXX state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Equifax state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting. 

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation