vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
RewRez loan the balance on my loan is {$150000.00} but in my credit report it has been reported that the balance is {$150000.00} i have been writing to the this mortgage companying to correct, so that my credit will come up but they have refused. just to keep my credit low. 
And they have also reported that i am on forbearance which i am not and for about 8 months i have been writing them to correct that. more than 5 mortgage company have refused my refinance process because of this. 
my credit has gone down because of this. 
This is not a mistake it is a deliberate act to make it impossible to get a loan approval for refinancing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Pay pal keeps sending me emails, about how i should read their disclosures. I have sent numerous compliants about this to the consumer financial protection bureau and pay pal has closed my account indefinitely, why are they sending me emails??? Why??? Why??? Please i neeed your hee heee heeelp.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
In XXXX, a collections item from National Credit Adjusters appeared on my credit report then disappeared. Then this month ( XX/XX/XXXX ), the same collections account re-appeared on my report with a date of XX/XX/XXXX. I filed a dispute with XXXX. I have not received as of today XX/XX/XXXX, any written notification of this collections account I supposed owe. My XXXX credit report shows that this is of Account Type " Factoring Company. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The hard inquiries detailed below are a violation of my rights, since they were done without my consent, I sent a letter of good will requesting that this incorrect information be removed and without my authorization from my credit report. to which they refused. 
XXXX inquiry from XX/XX/XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXXXXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX XXXX Inquiry from XXXX XXXX I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX XXXX Inquiry from XXXX XXXX I dont recognize.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As of today, Experian has continue to leave inaccurate credit information on my credit report as reviewed on my credit report online. Several disputes have been taken but the request to remove an delete inaccurate information has continue remain my credit file. I have submitted a certified letter to Experian about the inaccurate information that is on my credit file from item XXXX XXXX. Experian can clearly see the information is not a match but has continue to leave fed loan on my credit report this is against the FTC. In result the inaccurate information does not match and a request to remove and delete this off from my credit report.

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 2021-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
Early in XXXX ( I believe it was XXXX ), I noticed there were some charges made to my bank account. They were for the company in question, MoneyLion. Because the charges were unknown to me and there were other unknown charges made to my account at that time, I had filed a dispute with my bank, XXXX XXXX. I had provided a written statement and signed affidavit to XXXXXXXX XXXX. The charges to my account were removed and once my money was returned to me, I closed the account. Near the end of the process, I inquired if there was anything I needed to do with the offending company. XXXXXXXX XXXX said no. 

On XX/XX/XXXX, I had started the preapproval process for a home loan. It was at this time I had discovered that MoneyLion had reported that a loan taken out in my name without my knowledge had been discharged. 

Upon discovering this, on XX/XX/XXXX, I had reached out to MoneyLion to try to resolve the dispute with them. The customer service representative said they would forward the case to their fraud department, who would then call me when further information is needed and also send me paperwork to sign, such as an affidavit. 

As of right now, XX/XX/XXXX, I have not received any phone calls, nor have I received any paperwork from MoneyLion.

They do not seem like they want to correct the issue they caused by not performing due diligence when verifying the identity of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I was a victim of Identity Theft in XXXX. My identity has been stolen, through distribution of my SS # numerous times between XXXX and XXXX. 

My identity was used to open an account with XXXX XXXX in XXXX, under my name in XXXX. Received notice of debt collection on my credit report from XXXX on XX/XX/XXXX. 

I filed a police report on XX/XX/XXXX and notified debt collector, IC Systems, of the theft with letter and copy of police report on XX/XX/XXXX. 

I noted with review of my credit report in XXXX that the collection was still on my credit report and so I called XXXX XXXX. They stated it was out of their hands and to contact IC Systems. 

IC Systems did not take any action until I called them later in XXXX and sent a follow-up letter on XX/XX/XXXX. They replied with a letter dated XX/XX/XXXX that they will no longer pursue collection of the debt to XXXX XXXX. I assumed this would take care of the problem. 

It was brought to my attention in XXXX of XXXX that the debt collection from IC Systems was STILL on my credit reports. I called IC Systems and they indicated they have no record of them sending me the letter dated XX/XX/XXXX. I resent them their letter and the police report of XXXX/XXXX/XXXX and they responded by sending me a bill for the debt of {$1500.00} on XX/XX/XXXX. I called them and they would not talk to me. 

They sent another letter XX/XX/XXXX indicating they can not reach out to the creditor and would not provide me with any contact information I had requested. Same with letter dated XX/XX/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 2021-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XX/XX/2020 I went into Bank Of America on XXXX XXXX XXXX Ct to make my mortgage payment. I handed my check with the statement to the teller she put the payment to my home equity credit line. I noticed the mistake the next morning and went to the bank manager the very next day. He said he couldnt fix it and I had to come back on Monday. So after going back and forth with the bank that account was fixed but the mortgage never was. After this I decided to make all my payments online which I have made my mortgage payment on the XX/XX/XXXX of evert month for the past 10 years I have all the proof. Well the bank took out two payments and I only wanted one out. I called the bank they told me to stop payment and reissue the payment on the phone the next day when the money went back which I did. Now they have taken all the payments out and say I am two months behind I have all the payments and the proof to back them up they say my principal balance is XXXX but that was the same principal balance I had in XXXX and by my calculations and payments my bale should be XXXX my balance was XXXX. And now in XXXX its XXXX and I have made monthly payments of XXXX. A month and the principal is to be deducted each month of XXXX which means that my principal should be XXXX Bank of America calls me at least 4 times a day now they have screwed up my tax escrow account as well. I have emailed the CEO of Bank of America and never got a response this is so stressful I cant sleep I am making my mortgage payments on time every month and I want this bank to fix it. Every time I talk to the bank they are oh I am so sorry Mrs XXXX yes we made the mistake but no one fixes it I want to refinance this home and if they XXXX up my credit I wont be able to do it

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 2021-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I have multiple collections from this company that are listed on credit report yet i didnt see any notice that it would be listed on my report. Looks to be all medical and I have no way to look at their website since I dont have any agent file number. And I never sent up any type of payment plans with this company but there are past due balances listed on my credit report. A collection cant be listed with past due balances if the account wasn't with the company in the first place. Per HIPAA laws my medical records shouldn't have been sent to a 3rd party collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a loan, when I asked for my appraisal letter I was informed that it was not ordered therefore no letter, I was not happy with the handling of the procedure and told the company I will go elsewhere since they have taken my money but haven't rendered services I paid for, was told on XX/XX/2021 that they will cancel my application and refund my money in a few days. I have not gotten any payment back or received confirmation that they were refunding my money.

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 2021-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
The 5 Navient XXXX are reporting the account are open when these are accounts are in " Administrative Payment Deferred '' These accounts should reflect " closed ''. The accounts are under investigation and not payment is required until 2023 per the " Department Of Education '' as they have been put hold for over 4 years for " STUDENT LOANS FORGIVENESS '' review but nothing happen because the prior Administration. 

Now the we have won the Class Action Law Suit and Navient have been required to pay back money to students and the University XXXX XXXX is required to payback XXXX XXXX dollars to students as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: AES/PHEAA
State: CT

Complaint narrative:
FEDLOAN SERVICING from XX/XX/XXXX ACCOUNT # TO WHOM IT MAY CONCERN, This letter is a second formal complaint. I am in disagreement with the items listed above that still appear on my credit report, even after your investigation from XX/XX/XXXX. 
I would like these items immediately re-investigated and deleted. 

I would like this account deleted and removed from my credit report. Included are documents from department of correction, stating that I was incarcerated when this account was opened in XX/XX/XXXX. I did not receive funds or able to receive student loan benefits because I was in jail the date this account was open. 

Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. I request the item be verified manually and provided PROOF of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. Also please provide the name, address, and telephone number of each credit grantor or other subscriber. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Lastly to help resolve the issue I will be filing complaints and forwarding this letter to the FTC, CFPB, and FEDLOAN SERVICING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
ECMC, has been making my student loan amounts increase, and I can not understand why, with the moratorium that is good thru XX/XX/2021. Also, I am being harrassed with numerous calls a day, and threatening voicemails. I understand there is scams out there. I can not fathom how, my balances are going up up up ... at this time. I am XXXX, in XXXX  so I would usually have a small payment plan. I tried to reach out to figure out, what is going on. There are federal protections in place, and I just need help all the way around. I have severe XXXX, and this is not cool!

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 2021-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX from XX/XX/XXXX ACCOUNT # TO WHOM IT MAY CONCERN, This letter is a second formal complaint. I am in disagreement with the items listed above that still appear on my credit report, even after your investigation from XX/XX/XXXX. 
I would like these items immediately re-investigated and deleted. 

I would like this account deleted and removed from my credit report. Included are documents from department of correction, stating that I was incarcerated when this account was opened in XX/XX/XXXX. I did not receive funds or able to receive student loan benefits because I was in jail the date this account was open. 
Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. I request the item be verified manually and provided PROOF of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. Also please provide the name, address, and telephone number of each credit grantor or other subscriber. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Lastly to help resolve the issue I will be filing complaints and forwarding this letter to the FTC, CFPB, and 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 2021-02-14 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
A fraudulent transaction of {$950.00} was made on my Chase Amazon credit card on XX/XX/2020 at a XXXX store. I immediately reported this to Chase. They sent me a replacement card and investigated the claim. However, they notified me that they were considering the transaction to be valid since it was a card present transaction at an in-person store. They did not seem to have considered the possibility of a counterfeit card. I have been outside of the United States during the entire Covid-19 pandemic, and the only card on the account has been in my possession the entire time - and I still have it. I sent them photos of the card and told them that I could provide any proof they felt appropriate that I have been outside of the country. I have sent examples of in-person purchases in another country, and I can provide any other evidence they might request. I have called several times but have been told to wait. On XX/XX/XXXX, they deducted payment from my bank account for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NH

Complaint narrative:
On XX/XX/2020 I paid a debt that went into collections with Aldous & Associates, the terms of this payment was pay for deletion. Aldous & Associates did not live up to their end of the agreement and did not report this agreement to the credit bureaus. I have called Aldous & Associates many times and they refuse to acknowledge the agreement. They now hang up the phone on me every time I call. They are rude and use misleading information and false promises to collect debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Remex, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received a court summons from XXXX  XXXX under attorney XXXX XXXX XXXX to appear to court for claims owed of {$2200.00}. XXXX XXXX that provides XXXX equipment such as XXXX and XXXX XXXX to various hospitals including XXXX XXXX XXXX XXXX Hospital that I was admitted to in my car accident of XX/XX/XXXX. This company XXXX  XXXX attempts to collect money from a poor individual is unconstitutional as I have applied for financial assistance programs that have been in the process of relieving any remainder debt owed at the XXXX Hospital. I urge people to follow up with any XXXX XXXX XXXX service provided at any nj hospital as XXXX XXXX aims to strangle patients that will have them end up back in the same hospital bed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: KY

Complaint narrative:
On or about XXXX through XX/XX/2019, I filed a complaint to the CFPB, XXXX and Theft identity about an unknown debt from XXXX  XXXX, XXXX XXXX, under the name of XXXX XXXX XXXX. This company replied back to CFPB and the XXXX  stating that I was not responsible for this debt. This debt was taken off of my credit report. I reviewed my credit report under XXXX and this debt is again on my credit report but under the name of Synergetic Communications , Inc. I am also getting repeated calls from this company. It appears to me that once the new Company, Synergetic Communications , Inc., bought out this debt from XXXX XXXX XXXX, that they are reopening this case. I have letters from XXXX to both the CFPB and XXXX stating the XXXX XXXX is not the responsible on this account. I want the calls to stop and this off of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation