vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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: TX

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I was in forbearance and my mortgage was with HUD from XX/XX/XXXX until it was sold to Ocwen FSB on XX/XX/XXXX with a Principal Balance of {$24.00}, XXXX. Payments were made to Ocwen FSB until the Principal Balance of {$5400.00} was transferred to PHH Mortgage on XX/XX/XXXX. On XX/XX/XXXX XXXX Mortgage increased the principal balance to {$10000.00}. Over several telephone calls between XX/XX/XXXX and the current date attempts have been made to find out why PHH has charged unnecessary fees totaling {$4800.00} for appraisals, inspections, certified mail and bankruptcy all of which never happened. PHH Mortgage also is claiming there is deferred interest in the amount of {$4700.00} of which only appeared once PHH acquired to servicing. During the transfer from Ocwen to PHH my XX/XX/XXXX payment was paid to Ocwen and PHH charged a {$690.00} Late Charge claiming the payment was not timely. PHH has been paid the principal balance, claims I owe a second and refuses to properly apply any payments made nor can I make payments online. I have two ( 2 ) separate detailed payments histories provided by PHH that goes back to when HUD serviced the mortgage and both are completely different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to create a XXXX account for the past several months, but I have been unable to create it due to lacking verification on Equifix : I sent in the require documentation to the address listed, which I was latter told was incorrect, and had to do send it once again to a different address, and I have been calling them frequently to see if they received the information, and now their telling me to send it in once again. I was later told I needed to make an account, but I am unable to do that as I need to once again send the information in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'VE BEEN WAITING FOR SEVERAL MONTHS FOR THE CREDIT BUREAUS TO RESPOND TO MY DISPUTES AND IT'S BEEN A HEADACHE.

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 2021-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'VE BEEN WAITING FOR SEVERAL MONTHS FOR THE CREDIT BUREAUS TO RESPOND TO MY DISPUTES AND IT'S BEEN A HEADACHE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
In XXXX I contacted XXXX XXXX who my Debt was with, I had no idea I owed them anything as I withdrew my daughter due to their negligence after she had had XXXX  XXXX on both eyes. I contacted the Director, XXXX, to try and resolve the issue around XX/XX/XXXX when Capital Accounts put I owed around {$660.00} to XXXX XXXX. I told XXXX I was charged the wrong amount due to my daughter being pulled out of the Daycare, there was no way I owed over {$600.00}. On XXXX XXXX, XXXX the Corporate Assistant from XXXX Emailed XXXX about the situation stating if I paid the amount of {$260.00} that she would contact the Collections company and have it removed from my Credit. The Collections company and XXXX had put I owed over {$600.00} initially which upon me talking to XXXX she confirmed that amount was incorrect, hence the Email from Corporate to XXXX. I paid in full the {$260.00} on XX/XX/XXXX. I disputed the claim on my XXXX XXXX account soon after and it was not taken off. I called XXXX at XXXX XXXX and asked why this debt was not taken off my credit yet and she said the Collections Agency was refusing to take it off. I have paid the amount I was told even though I did not owe that in order to have this taken off my credit as it is harming my Credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I reached out to CFPB XX/XX/2021 out of desperation for help with this serious matter, I gave my feedback in hopes I would receive some type of compensation in a refund, XXXX logo states ( We Are on your Side ) but the response I received didnt say that It only said my complaint will be put in the database.But that doesnt make this wrong right nor make me whole.what is the process of getting a one refund as I have noticed in some others complaint when they have a victim of scams I had been seeking to find a emotional dog for companionship, I looked into adoption.After searching I came upon what I thought was a legitimate organization on XXXX  called XXXX reached out the them and received a response on XX/XX/2021 I told them the puppy I saw on their page and asked if it was available I was told yes, so the guy told me how they transport their puppies and the fees he stated that shots were updated and everything is taken care of he said the fee is {$380.00}. I said ok thinking that was a good fee for the puppy a Frenchbulldog.The guy said they were located in California. So at around XXXX that same day I logined into my XXXX XXXX  app and sent the {$380.00} through Zelle which I thought was a safe way to send the first funds. Only to find out I was scammed.Not to mention my bank which is linked to Zelle refused to help they stated they could not help me because I sent the funds on my own, And so I called Zelle and gave them the names of the person the owns the account with them I was told they could only report them but could not refund my money back.I have reached out to Both banking institutions only to be told we cant you.I have done all I know to do the law enforcement can only do so much as scammers use fictitious names so its hard to track them done..I really need your help Im on a fixed income, I thank you for taking the time from your busy schedule and look forward to hearing from your Team.warm Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections and XXXX XXXX XXXX XXXX are double reporting a debt. I recently took a look at my credit and noticed that Bonneville and XXXX  XXXX are double reporting a repo. This is a violation under the FCRA and the FDCPA. I ask that this be resolved immediatley as they are severely affecting my scores unfairly. I am aware that both Bonneville and the XXXX XXXX report to the bureaus as they deem necessary so I need this to be fixed immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit via TransUnion and XXXX. XXXX basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.

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 2021-06-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit via XXXX and Equifax. XXXX basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: FL

Complaint narrative:
I have reached out to Navient and the XXXX XXXX XXXX XXXX they have approved my my loan to be forgiven so I do not have to pay it.I also sent the letter the XXXX XXXX XXXX XXXX send me.Navient has not updated it on their end and are also reporting it on my credit report as dept no paid and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Department of Education/Navient is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. XXXX and XXXX are still reporting 13 accounts as of XX/XX/XXXX. Navient has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
Received call from man asking for a relative. Did not identify himself at all during the call, who he was with, or the purpose of his call. Caller ID showed XXXX XXXX XXXX XXXX with is Central Credit Services, a debt collector. I told him him that person does not live here and not to call again. I have no knowledge of any debt ( s ) owed by the relative and the debt collector should not have contacted me for any reason related to the relative 's debt.

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 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
My girlfriends nephew who's XXXX years old had came over for the weekend and stole me and wife 's card info. He made several purchases for XXXX using several of our cards. We noticed several transactions that looked like they were sent to some company in XXXX. I tried to contact Chime bank to let them know the transactions were unauthorized the date they took place XX/XX/XXXX. They still let the transactions go through and then there were several made after I informed them of other transactions. I never made the transactions or received any goods or services. My claim was denied and I was told because the same ip address was used. I tried to dispute again and sent in paperwork I also contacted merchant where funds were sent and was told they're unable to issue refunds but the person who's account the funds were sent to was shut down due to fraud. They gave me a case number to submit to person working on my case but chime said there isn't a way for us to speak to complaint department. 
The date I notified bank of unauthorized transactions was XX/XX/XXXX. The bank asked me to complete written fraud report and still denied my claim.The bank didnt ask me to file police report or handle with merchant. The transactions were as follows : XXXX XXXX {$100.00} XX/XX/XXXX. XXXX  host XXXX {$210.00}. XXXX  host XXXX {$210.00}. XXXX host XXXX {$280.00}. XXXX  host XXXX {$350.00}. XXXX {$59.00}. XXXX.eu {$49.00}. The total of the transactions was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I opened a savings account at Citizens Bank, XXXX XXXX XXXX, XXXX, Ohio in response to a mailing I received, promising {$200.00} if the funds stayed in the account for 3 months. There was a greater bonus for opening a checking account as well. On XX/XX/2021 I opened the account in person. I asked multiple times if there was any catch, and was told by the gentleman that opened it, " well we would like you to keep the funds with us, but no, just deposit the $ XXXX in a savings account and you are eligible. '' The transaction # for the deposit is XXXX, The last 4 digits of the account are XXXX. This transaction was made by the teller, not by the banker that answered my questions. The week of XX/XX/XXXX, I called customer service as no funds had been deposited. After an almost 30 minute call, I was told by the agent the funds were due to be deposited on May 31st. I asked her why not earlier, but she just kept saying the account shows they will be deposited XX/XX/XXXX. I called again the week of XX/XX/XXXX, as the funds were still not deposited. After a 45 minute call, I was told that the first agent was incorrect and no funds would be deposited because I hadn't opened a checking account as well. I explained multiple times that I had confirmed that wasn't necessary with the banker. She just kept telling me they had made a mistake. I asked to speak with a supervisor to escalate the issue. She said she would esclate the matter and I would get a call back within 48 hours. As of XX/XX/XXXX, I still have not heard back from them. Either the banker gave me incorrect information, or the customer service agents did. Regardless no one has attempted to contact me or remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
On XXXX XXXX I sent a letter via certified Mail to the company for verification of medical debt. On XXXX they sent a response stating in the allotted time they could not verify the debt and they would stop reporting the account to any consumer reporting agencies within a 30 day or more time frame. It is XX/XX/2021 and they are still reporting this unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TX

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Crossroads Systems Inc.
State: OH

Complaint narrative:
My first round PPP loan was originated on XX/XX/21. I was finally funded by my lender, Capital Plus Financial, on XX/XX/21. ( I was told by them that the delay was due to a glitch in their system. ) Fast forward to now ... my loan status in CAWEB is still listed as " Active Un-Disbursed ''. My round 2 application for the PPP won't process, I'm told, until Capital Plus Financial has this status updated. I contacted Capital Plus Financial on XX/XX/21 and received a response from them on XX/XX/21 stating that they do not control the CAWEB updates. I contacted them again on XX/XX/21 ( when my status was still unchanged ) and was told the same thing. I was in contact with my local SBA office on XX/XX/21 and was told that the lender is, in fact, responsible for getting the CAWEB status updated ... that my status would update when Capital Plus Financial sends over my loan disbursement information to the SBA, and that, ideally, that should be done within 10 calendar days of my loan disbursement. I located the same information in SBA guidance and included that in a follow-up email to Capital Plus Financial on XX/XX/21. I have heard nothing back. Meanwhile, my CAWEB status remains unchanged and my round 2 PPP loan application is at a standstill. 
This has been the case for so many people dealing with Capital Plus Financial. Due to delays, many have yet to even be funded for the first round. I have an application that seems to be going nowhere at this point. If Capital Plus Financial would simply update my status, there may be hope for me to get my application processed before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: CA

Complaint narrative:
The following is incorrect with Transunion : 1. Incorrectly reported a high balance with XXXX XXXX XXXX  from XXXX and from XX/XX/XXXX XXXX. 
2. Incorrectly reported a high balance with XXXX on XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX. 
3. Incorrectly reported a high balance with XXXX  XXXX  from XXXX 4. Disconnected from phone call with Transunion. 
5. Transferred to Transunion employees in XXXX which provided conflicting customer service answers to questions.

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 2021-06-09 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: N.A.R., Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX and North American Recover are double reporting a debt on my credit file that needs to be removed. I recently looked at my credit file and noticed that they are both reporting a repo on my credit. This is a violation under the FCRA and the FDCPA which they are both regulated under. This needs to be resolved immediatley. I am aware that they report to the bureaus as they deem necessary and I ask that they report within guidelines and discontinue double reporting a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Department of Education/XXXX  is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. XXXX  and TransUnion are still reporting 13 accounts as of XX/XX/XXXX. XXXX has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.

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