vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY

Complaint narrative:
Fair Collections and outsourcing agency have sent letter to me attempting to collect a debt that is not owned by me. I have notified them and let them know they are a third party attempting to collect a fraudulent debt. I have sent them a copy of FTC report. I am by no means going to tolerate them bullying me into taking responsibility of debt that is not owed by me. I have told them to seise all communication and attempts to collect debt not owned or I will take legal action against them. This collection agency is in complete violation of Fair Debt Collection Practices Act.

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 2021-09-14 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2021, Chrysler Capital obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TX

Complaint narrative:
Submitted dispute regarding XXXX account on 3 separate occasions. Experian allegedly verified it each time. This account was to be removed from my report due to a settlement agreement with the attorney generals office. 
XXXX removed the account from both XXXX XXXX XXXX XXXX there would be no way it would be verfied with Experian. I want proof in writing that XXXX specifically instructed Experian to keep reporting it as accurate. 
I am incurring damages as a direct result of Experian violations and failure to maintain procedures to ensure maximum possible accuracy.

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 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Even though I have funds available, the bank charged me twice overdraft.

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 2021-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
Chime " Bank '' emailed me with instructions on how to unlock my account. I have never had a Chime account - I have never done any business with Chime - I have never contacted Chime. There is no reason for Chime to have my email address. I suspected someone had opened an account with my email address - or was trying to do so. 

I reached out to Chime, and their online " Help '' bot instructed me to email them at XXXX. After a few emails back & forth, Chime requested a picture of my driver 's license and the last four digits of my SSN in order to investigate. 

Chime found no account in my name, and attributed their initial email to me as a " glitch in the system ''. they said there was no further concern. But Chime should not even have my email address on file- unless someone provided it to them under fraudulent terms. I asked Chime to investigate further, and I am waiting for their reply. But they were responding within the hour previously, and I have not heard from them today. Please advise. I am concerned someone is trying to open an account with this " bank '' using my personal information - and Chime does not seem to be concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
An assistance letter was sent to Select Portfolio Servicing to keep my home XXXX, when it was transfered from XXXX XXXX XXXX. I have lived in the home since XXXX when it was purchased. I incurred XXXX XXXX, then a back injury in and was out of work for almost a year, and have proof of all of this. I filed the Ch XXXX, and was paying the mortgage payments on time. I requested to find a way to reduce my monthly payments to avoid foreclosure. I am currently working and able to make a reasonable mortgage payment. I requested for SPS to work with me on XXXX, when I was told by SPS they had not recieved payments for several months from the trustee dated back from XXXX. I have proof from my trustee that payments were made up to XXXX. I have questioned SPS, and I get no where with them. I have recieved letters indicating client, ( I ) have opted out of any type of assistance, and that is not true!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: IL

Complaint narrative:
I have an FHA Mortgage and took a Partial claims loan for some miss mortgage payments when my mortgage was in forebearance. I sold my home and submitted my request to get the payoff amount for the Partial claims loan on XX/XX/2021. The website says to please allow 6 days for the payoff amount. My house sold on XX/XX/XXXX and I went through closing. The closing company heldback 1 and a half time my 2nd mortgage amount at closing until we could get a payoff from HUD. Apparently the payoff requests are processed through a 3rd party because i had to email the request to XXXX. 
I have placed calls on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ( each time waiting at least 40 minutes before i could speak with someone ). No one can tell me anything. They all admit that my request was submitted properly and that they will escalate the complaint or have someone call me and they never do. It is XX/XX/XXXX now 21 days after my request for the payoff and no one will let me speak to a supervisor or anything..it 's the same old thing, we will escalate your complaint. A lot of good that has done! I have thousands of dollars from the sale of my home being held up.I have no recourse but to wait..but for how long..this could go on for months or years..no one will give me a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello I applied for a Mortgage loan with Navy Federal Credit Union. I qualified with credit but they stated that I have excessive high balances which denied me. I have 2 XXXX XXXX Cards at {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. My XXXX account was paid off two months ago. I have a XXXX XXXXXXXX XXXX credit card with a {$0.00} balance. I have a Navy Federal Credit card and I charged {$4700.00} from XX/XX/XXXX - XX/XX/XXXX and as of XX/XX/XXXX I have a {$2000.00} balance. Outside of that I have 2 auto loans that has a {$6600.00} balance and {$9900.00} and I have paid a total of {$48000.00} total between those loans since XX/XX/XXXX. I think that I have proven that I am economically viable and an excellent creditor. I am not sure what they are seeing but I do not carry balance on my cards and they only reason I am carrying a balance with the Navy Federal Credit Union credit card is because I am trying to build a relationship with them. They have access to my accounts and see weekly to bi-weekly deposits being made with no MISC spending habits. I would like for my application to be reviewed and my credit to be properly considered for the loan or prove to me where my excessive balances are that you use to deny me. If you look at all the supporting pictures even the {$230.00} balance that was just charged for XXXX has been paid just has yet to reflect to the account because it was done XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
I finally received favorable appeal decision from Texas Workforce Commission and a $ XXXX direct deposit back payment was issued from XXXXXXXX XXXX  on XX/XX/XXXX. 

Axos Bank has refused to release those funds, ignores the fact that XXXX affirms the transfer is complete on their end. 

This action by Axos bank; taking my $ $ hostage, should be grounds for drastic action and accountability!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TX

Complaint narrative:
After review of my credit report, a discovery of unknown inquires appear on my credit report. Due to not knowing who the person is who applied for each of these account I was advised by my local government to complete a FTC. The FTC then provided me to come here with the form to have the issue resolved. This is my first attempt at resolving this issues.

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 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I want to report this debt syncs/Lowes account number XXXXI tried to contact them but they dont have my account, ,I never own this account.I wanted them to verify my account which they said on my report is verified, but I never received any mail or verification, Then I received unknown company agreement, which I never spoke or agreed to, ,I even tried to contact this collective agency company to verify my ownership, .They dont answer .I tried to call, and company dont recongnize my file number or social security number, Something is very wrong here, ,Please investigate .I will attach what I received,,, and again letter said we spoke in XXXX, I never spoke to them, Please remove this account from my fil

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 2021-09-14 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: NY

Complaint narrative:
On XX/XX/2021 I notified the CFPB and Experian that I am a victim of identity theft. Experian 's response is that they need authorization to proceed with my complaint. I did check off the box at the end of the submission that say 's I give auth. therefore, I XXXX  XXXX give Experian authorization and permission to proceed with my complaint. Please see attached FTC and identification and social security card

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: AZ

Complaint narrative:
I had a background check submitted to this CheckR on XX/XX/2021. They are over 8 weeks since this was submitted. They state in many places 3 to 5 business days. I have tried calling, no matter what option selected their phone systeem will tell you there is no one to take your call and hangs up. They took 6 weeks to answer an email, and all it said was most background checks take 3-5 business days some may take longer due to court turn times. There is no getting a resolution. This company is not accountable to anyone. They are costing me thousands of dollars I could be making if working at the job they are supposed to be clearing my background check for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: IA

Complaint narrative:
XXXX  XXXX XXXX XXXX {$4500.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$26000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. US Bankruptcy Court XXXX XXXX {$0.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed XXXX XXXX XX/XX/XXXX {$5100.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$2300.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$5400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.XXXX XXXX XXXX XXXX {$1900.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1700.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$2000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: IA

Complaint narrative:
Fed LXXXX XXXX XXXX {$4500.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$26000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. US Bankruptcy Court XXXX XXXX {$0.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed XXXX XXXX XX/XX/XXXX {$5100.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$2300.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$5400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.XXXX XXXX XXXX XXXX {$1900.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1700.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$2000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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: CA

Complaint narrative:
On XX/XX/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.

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 2021-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from Experian and other Credit Reporting Agencies for the purposes of auto loan.

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 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: GreenSky, LLC
State: NV

Complaint narrative:
Have a credit card balance with GREENSKY and have paid all payments, ( a total of 41 or 42 now ) but in XXXX they said I did not pay. Twice I printed out the transaction pages from an electronic payment transfer service offered by my credit union XXXX XXXX XXXX XXXX. I also sent an Email to the XXXX XXXX  XXXX XXXX explaining I paid but GREENSKY is saying no. ( At this point I thought I have fullfilled the requirements of CFB 12 SUBPART A SECTION 1005.1 TO 1005.20, as well as Regulation k and Regulation E. GREENSKY JUST WANTS PAID, in fact before the last letter I paid the usual {$200.00} I have paid on all previous payments. The amount billed monthly is {$65.00},- there when I paid {$200.00} in XXXX HAD I NOT PAID IN XXXX I would have been current,- but after that said payment they billed {$200.00} that included late charges etc., which is XXXX XXXX, because I paid before letter. I'm ahead on my payment schedule. Greensky has offered no rebuttal to my two letters, printouts of accounts, the XXXX XXXX  XXXX XXXX HAS NOT REPLIED OR CONTACTED ME. Now Greensky wants me to just pay using their patient solution, so IF YOU NEED PROOF THEY DON'T CARE ABOUT RULES AND REGULATIONS THERE IT IS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. 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 gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

8. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

9. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

10. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

11. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation