vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 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: CORELOGIC INC
State: VA

Complaint narrative:
Hello, Please see attached for the dates and name of companies that have inquires on my credit reports. I have disputed them with the creditors and credit bureaus with no resolve. 


XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-21 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: Credit Technology, Inc.
State: VA

Complaint narrative:
Hello, Please see attached for the dates and name of companies that have inquires on my credit reports. I have disputed them with the creditors and credit bureaus with no resolve. 


XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CREDIT TECHNOLOGY INC XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT TECHNOLOGY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CREDIT TECHNOLOGY INC ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XX/XX/2021, I mailed in a certified letter requesting results on auto loan in the amount of XXXX from XXXX. LLC.. Account # XXXX that Equifax claimed to have verified. it has been 60 days and I have not yet received a response letter. According to the credit law spelled out ninth Fair Credit Reporting Act, a credit reporting agency is required to respond to the consumer within 30 days. If they do not respond, within this timeframe, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX acct # XXXX. For several years they have tried to collect a debt for a fraudulent account opened in Illinois. I have never been there much less lived there. I have endured collection agencies and submitted their so called fraud packet. Convergent Outsourcing is their debt collector. All say I either have to pay or submit a fraud packet. I have twice. I just got off the phone with a CSR based out of the XXXX. In frustration, I asked for a supervisor. He advised one was not available and simply hung up. Is this reasonable? I am trying to get a mortgage and this 200.00 fraud account is holding me up. Do I just have to pay because XXXX is big and can simply bully their way to getting money? For the record, I have XXXX other XXXX accounts that have always been in good standing.

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made a complaint regarding Truist constantly accessing fees to my account previously. My personal account was closed. The fraud department debited my account {$300.00} that caused more more overdrafts. I received no follow up after my first complaint to The Consumer Financial Protection. On XX/XX/XXXX I had a deposit unknowingly go into the personal account that was closed. I called on Tuesday XXXX 2021 to inquire about the deposit. I was informed my a phone representative that the deposit wasnt sent back but taken by the bank to be applied to a debt that I dont even owe. The bank charged me fees do to merchant error. The bank should not have taken my deposit it should have been returned to the merchant.

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 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My 2nd settled discharged mortgage is illegally in the hands of XXXX and or Shellpoint Mortgage Servicing. I requested a complete transaction history, itemized pay-off. I also requested information all the many years there was no communication from this mortgage servicer. I want to see their records to see if it matches my records. I want to see the history for any discharges, charge/write-offs from previous servicers. I believe this company is following illegal processes. They seem to be disguised under several different names such as ( New Rez ) LLC, XXXX and Shellpoint. They all seem to be one in the same. I have also been advised to reach out to the Attorney General to have him/her investigate the practices of this company. They are illegally attempting to collect on a mortgage debt that has already been settled with another servicer. I believe these illegal practices and needs to be investigated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent a rent check to my landlord, to his business name. It was stolen on route and It was deposited by a different party. I can not make out anything from the endorsement. 

I asked my bank who deposited the check. They said that they have to investigate. 

It's been a very long time since. And they are still investigating. I first asked them in XXXX and they said up to six months. I didn't get anything. 

I am enclosing a copy of the front and back of the check. 

PS. My landlord also filed a complaint but was answered that since he was not the signatory, they can not answer him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
The savings pods advertise daily interest payments. My account has been open and funded for a month and no interest payments have been applied. Interest advertised at 4 % APY up to 2,000 $ per pod, and up to 3 pods per account. 

After contacting Current, they said : Only a random group of participants have access to the Beta version of our Interest feature at the moment. Unfortunately, were not able to include you in this group, but well make sure to let you know when were planning to roll it out for everyone. 

Weve launched a Beta in which select Current members can earn Interest on their Savings Pod. Theres no minimum balance required, and once you qualify, tap Enable when viewing an existing Savings Pod or creating a new one. 

Advertising : hXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: MI

Complaint narrative:
These were used to make inquiries to my account that I have not personally applied for remove these Immediately Transunion : XXXX XXXX XXXX Michigan XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XX/XX/XXXX. XXXX XXXX XXXX bank XXXX XXXX XXXX financial XXXX, XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX credit / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reimbursement Division XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I went to see a XXXX - XXXX XXXX XXXX in XXXX, Ga, during the summer of 2018 which recommended I perform a certain procedure, to which I only agreed to if it was covered by my insurance. After assuring me many times that it would be covered, I went ahead with the procedure. A few months later, a bill arrived for {$210.00}. I tried reminding them of their assurance to me that it would be covered by my insurance, to no avail. They were adamant about me being fully liable for the bill. I attempted to negotiate to only be liable for half of the bill. They dismissed me and sent the bill to a collection agency, Carter-Young Inc XXXX I immediately contacted the collection agency and made the full payment on XX/XX/2018 ( payment auth code : XXXX ). It was subsequently removed from my credit report immediately. I had assumed it was all taken care of until we applied to refinance our home in XXXX of this year. Apparently, the medical center had sent a new bill to the collection agency within two weeks after receiving full payment for the original bill. We didn't receive any mailings or calls regarding this new bill for the past 3 years. So we went ahead and disputed this new bill at all XXXX reporting agencies but the collection agency ( Carter-Young ) is refusing to remove it. We're concern that if we pay this new bill, the medical center will repeat the same formula of sending a new bill for them to collect and for us to pay. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MN

Complaint narrative:
I open a Chime account online received my card in the mail and activated it around the XXXX of XXXX, 2021within the last few weeksI made a {$520.00} deposit on Saturday XX/XX/XXXX and a {$600.00} deposit on XX/XX/XXXX at about noon, I went to use my Chime card and by XXXX they had sent me an email saying they closed my account. No reason why, every time I used the card before was fine. I sent several emails to Chime with only an automated response back, saying they will get back to me. Its XXXX time and I would be using this money for XXXX gifts and food-day to day necessitiesbut Chime has left me with no access to the money I literally just deposited!!! Please help me by shutting down this company so no one else has to ever go through something like this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
My last claim number is XXXX. I have not been contacted since XXXX by the support team. No one followed up and asked for anything. I tried to get in contact with Coinbase. No one responded. I lost my money without authorization from Coinbase. The platform is not safe. I am going to share my experience with everybody and the media if the problem is not solved. Please solve the problem and refund as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We sent a check with the amount of {$5100.00} made it out to XXXX XXXX and XXXX XXXX via the post office, and the check was stolen. The name on the " pay to the order of '' was changed to XXXX XXXX XXXX and the check was cashed. We contacted Chase fraud department and reported the problems since XX/XX/2021. They told us that the stolen amount would be credit back to our account within 30 days after an investigation. We didn't received the credit after 30 days as indicated so I went out to the Chase branch and discussed with them our problem. The branch contacted the Fraud department was told that the credit would be returned within a week. Until now we still have not received the credit for the stolen amount and it has been more then 6 weeks since we reported the issue to Chase. I have tried to contact the Fraud department multiple times but the wait time is usually more then 30 mins and often time the line got disconnected prior to someone picking it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NY

Complaint narrative:
they are reporting that I am late where i sent supporting documents and the company did too. I have spoken to a representative they advised me that noone is really taking the time to research the account. Attached is proof and my ID

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 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had received a notifying letter from XXXX XXXX XXXX  on XX/XX/2021 stating that I owed {$830.00}, I had never opened an account with XXXX XXXX XXXX I received a letter on XX/XX/2021 from Midland Credit Management stating that I have been on collection and I owed {$830.00} but I ignored it thinking it was a scam then I had received another letter from MCM Collection on XXXX XXXX with the same billing mail letter. So I called XXXX XXXX to make sure I didnt have a account open and they said yes I had a account open but they couldnt help bc Collection had already taking over the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: TX

Complaint narrative:
Trans Union is refusing to provide me with a Method a Verification. In the many attempts that Ive tried to get this information, TransUnion has completely disregarded my request. They sent me documentation saying the information is accurately verified, which I have attached. 

I called TransUnion today and spoke with a supervisor. XXXX blatantly told me that the information came from XXXX and that I would not be receiving a Method a Verification in the mail. She proceeded to state that Trans Union does not provide methods of verification. XXXX have deleted this information from their records, which is attached. TransUnions refusal to provide me a Method a Verification is preventing me from exercising my right as a consumer. TransUnion is in violation of my consumer rights pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). They need to be held accountable.

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 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, Equifax and XXXX are all reporting unauthorized collection accounts on my consumer report which is hindering me from purchasing my first home for me and my children. I never gave any of these credit reporting agencies oral or written consent to report any of these collection accounts on my consumer report. I don't think its fair to me that they can just report whatever they want on my behalf without getting my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My XXXX settled discharged mortgage is illegally in the hands of PHH and or XXXX Mortgage XXXX. I requested a complete transaction history, itemized pay-off. I also requested information all the many years there was no communication from this mortgage servicer. I want to see their records to see if it matches my records. I want to see the history for any discharges, charge/write-offs from previous servicers. I believe this company is following illegal processes. They seem to be disguised under several different names such as ( XXXX XXXX ) XXXX, PHH and XXXX. They all seem to be one in the same. I have also been advised to reach out to the Attorney General to have him/her investigate the practices of this company. They are illegally attempting to collect on a mortgage debt that has already been settled with another servicer. I believe these illegal practices and needs to be investigated.

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 2021-12-21 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: MD

Complaint narrative:
Im getting very frustrated with this credit reporting company. I have provided them with all the necessary documentation to remove accounts that do not belong on my credit report and have yet to get any progress. I am trying to purchase a home for myself and my kids and I am being held up by this companies mistakes and lack of urgency about my report. Other credit reporting companies have received equal documents and have acted accordingly. I have attached those reports.

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