vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 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: MD

Complaint narrative:
I settled a collections debt from my credit report XX/XX/2021 and the creditor has not had the negative remark or sent me a letter as requested numerous times to that affect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
XX/XX/XXXX I went into my credit union to get a loan to purchase the vehicle since the lease termination date was coming near. Within that payment was also my last month 's payment. I had called them a few times during the week to see if they had received it yet, but they didn't, so I made another payment, not wanting it to be late. 

I called afterwards when I saw that they received the both the buyout and my payment asking when I'd get my refund. I was told 30-60 days.So I called again on XX/XX/XXXX at XXXX and was told to wait another 30 days. So I did. And no refund came yet. I called again on XX/XX/XXXX since it was another 30 days. I was told that they'd get it mailed out and it should be there in a week. A week later and I'm still without my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MS

Complaint narrative:
Received foreclosure sale letter from foreclosure attorney for my property. How do you receive a foreclosure letter when your Bankruptcy has not been dismissed. I was forced to file bankruptcy because I was hospitalized and shortly after I was released from the hospital my husband was hospitalized with a massive XXXX XXXX. We both have been affected by covid-19. My mortgage servicer has refused to assist us with mortgage assistance. we have been given the run around and misleading information. Spoke with Selene Finance customer service because I sent them request for mortgage assistance with our financials XX/XX/2021, I was told the documents were received but the file was closed because it was not 37 days prior to foreclosure sale date. I asked how could they close my file when I was still in the bankruptcy? Her response was Selene was unaware I was in a Bankruptcy??????? 
We don't want to lose our home Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Hello- On XX/XX/2021 I received an email from Paypal saying that my account had been restricted. They did not provide a reason. I was informed that my account would be restricted and that, essentially, funds in my account will be held for 180 days. 

I tried to contact Paypal to get some answers, and to see if anything could be done and was unable to reach a party on multiple phone calls, or via email. I also tried the chat function through their online services menu, and never received a response. 

After I could not reach a Paypal rep, I had reached out to friends who had recently sent me money through Paypal to see if they could request their money back. I can see their requests, but Paypal is not allowing me to even issue their money back to them, so it is locked in the account with no way to remove or withdraw. I also can not even close the account. 

I would like to access/withdraw my balance in this account and close the account. 

Thank you in advance for your help! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: NM

Complaint narrative:
Ability Recovery Services keeps calling me about an outstanding debt. I attempt to talk about the debt and recieve very hostile treatment from the agent. The agent 's name was XXXX. I called and asked what this was about, she said I had an outstanding debt with XXXX XXXX ( somewhere I do not recalll attending ). She bluntly states " Do you want to do anything about this, or not? '' and I said " What can i do? '' the agent then says of course not, you'll have an outstanding report on your credit in full, and hung up. This particular company has attempted to collect on this debt many times and everytime the agent is very hostile, and has threatened law enforcement action in the past 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 2021-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Outsource Receivables is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH Mortgage Services ( PHH ) has, in my opinion, falsely reported I missed a mortgage payment for XX/XX/XXXX and XX/XX/XXXX. This company has been unresponsive to my request to discontinue my escrow account after the first year of the loan. At the closing, in XX/XX/XXXX I pre-paid the first years ' homeowners insurance and property taxes for XXXX. In addition, I started an escrow account for $ XXXX/mo to pay for the second years ' homeowners insurance which $ XXXX/yr. Three months after the closing, PHH decided to DOUBLE MY ESCROW ACCOUNT and raise my PITI from $ XXXX/mo to $ XXXX/mo! 
I refused the unwarranted increase because it's double what my homeowners ' insurance premium is. As for my property taxes, I had selected to pay my property taxes myself. 

I have been unsuccessful in dealing with PHH and decided to refinance with another mortgage company. In my opinion, PHH fraudulently reported I was late in paying my mortgage payment in an effort to block my refinance. Not only did it terminate my refinance, but it also lowered my credit score by 109 points. My XXXX  score had been XXXX!! In an effort to prove my contention, I had my bank, XXXX XXXX XXXX XXXX submit a " History of Payments '' showing I HAD NOT MISSED NOR BEEN LATE FOR ANY PAYMENTS! ( DOCUMENT ATTACHED ) The statement has confirmation codes for every payment. 

I have submitted a dispute with XXXX  but the incorrect information was not removed. As a consequence, I have submitted a challenge to the dispute and submitted the History Of Payments to prove the false and in my opinion, fraudulent reporting by PHH.

I'm requesting that PHH remove the false late report which has damaged my credit and restore my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank closed my account and is not returning my funds and not giving me any recourse to dispute this with them. Over XXXX $ they have of my money. They had not communicated to me in writhing why they are doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Waypoint Resource Group, LLC
State: UT

Complaint narrative:
Waypoint Resource Group is reporting a debt on my credit file that is not mine. I have asked multiple times for validation of this debt and have received nothing. They are reporting a debt for XXXX and I have never had XXXX!!! This needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX County XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX has posted wrong information to my report and refused to remove it has not sent me proof that the information is correct nor has it given me a chance to give any way to call them to speak to a human to work out the wrong 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 2021-06-22 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: NY

Complaint narrative:
I WAS VICTIM OF IDENTITY THEFT, AS A RESULT THESE ACCOUNT IS REPORTING IN MY CREDIT, ILLIGALITY, IS NOT MINE AND NEVER AHD DONE BUSSINES WITH THIS COMPANY XXXX XXXX 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 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
This bank always gives me a hard time when applying for credit I applied recently for a credit card they trasnfer me everywhere and dont help they dont care about me I have a fraud alert on my credit I called to process my app their system said it was pending then they tranfer me said its clear they lie to me I asked them why they would decline horrible bank they really dont like 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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2021 @ approximately XXXX XXXX I phoned into Experian using XXXX XXXX XXXX XXXX in hopes of reaching a live agent to assist my husband in deactivating and account that was fraudulently opened in his name. When he attempted to call from his own cellular device, he was not given the option to speak with a representative. Being as though I did have an account it allowed me to speak with a representative. The representative was a female and was explained the reason for the call. When she asked to verify my information I never gave it to her and explained that the individual that needed to speak with her was sitting right next to me. She then spoke with him and gathered his personal information. She advised him that she had deactivated the account he did not subscribe. I now check my email and this lady must have deactivated the wrong account and somehow reactivated it. I am actively in credit repair and have someone working on my credit. She deactivated my experian boost as well bc it's no longer there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: LA

Complaint narrative:
After my house burnt down XXXX of XXXX, I was shocked to discover that on XX/XX/XXXX a lien had been placed on my property by Discover Financial Services in the amount of {$4300.00} together with interest and legal costs, thus preventing me from selling the land. I completed a Chapter XXXX Bankruptcy on XX/XX/XXXX. My bankruptcy attorney informed me that Discover Financial Services could not hold a lien to my property since the debt had been discharged. 

I went to the XXXX XXXX Clerk of Court 's office for guidance on how to resolve this matter but received no help whatsoever. No one has been able to produce a copy of the judgment that was supposedly served to me. I have depleted all of my resources and without the judgment I have no way of knowing who/where/how to contact Discover Financial Services so I am turning to you for help in getting Discover to file a Request to Cancel Inscription so the Clerk of Court will cancel the lien on said property. 

I have attached supporting documents for your aid. Any help you can give in this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
I have sent several letters to the credit bureau and XXXX, the company who keeps sending collection letters and this account is also on my credit file but I never had a Credit card from XXXX. I shouldnt be liable for a debt that I didnt make.The balance is {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
Hello, I have PMI on my property. I have a loan on my home of under XXXX and an appraised value of the property between the ranges of XXXX to XXXX. The LTV of the property is roughly 70 %. Per the Homeowners Protection Act, I should be able to remove PMI from my property at this current rate. 

I applied for removal of PMI on XX/XX/XXXX. I followed up on XX/XX/XXXX and was told that the PMI can not be removed from the property since it is based upon the initial principal amount and not the equity in the property. This is in direct conflict of what the Homeowners Protection Act sates. Private mortgage insurance must be automatically terminated for homeowners who accumulate the required amount of equity in their home. 

I have attached the initial assessed value of the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Chexsystem has posted wrong information to my report and refused to remove it has not sent me proof that the information is correct nor has it given me a chance to give any way to call them to speak to a human to work out the wrong 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 2021-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I found out that both of my credit cards from syncb had a charge of {$5000.00} and change A dispute was started and on XX/XX/2021 I received a bill from XXXX XXXX I tried to call them spoke to XXXX and he gave me an XXXX in which I was not able to connect to a live person. I was on hold for both on XX/XX/XXXX and XX/XX/XXXX and was not able to receive any answers in which where the furniture got delivered, who signed it, and when was the transaction was made. After being transferred to the fraud team on XX/XX/XXXX, and tried to get answers the person stopped speaking for approx 10 minutes and then hung up on me. Both accounts are from synchrony Bank and they are XXXX XXXX, 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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Alpine Credit, Inc
State: CO

Complaint narrative:
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. Please help me resolve this issue as it should not have been on my report to begin with and it is now effecting my ability to get a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
Ford is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.

Company response to consumer: Closed with non-monetary relief