vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I downloaded the wrong app. And tried to cancel it. The app needed my social security, and I.D the app is Current online banking and i just want to protect my social in case this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
I submitted a complaint with Experian on XX/XX/2021 and received a response that the item I'm disputing is not reporting on my credit report, so I pulled a credit report for Experian and the bankruptcy is CLEARLY still 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 2021-06-30 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To whom it may concern : The dates of XX/XX/2019, XX/XX/2019, XXXX, and, XXXX I was given late payments by Wells Fargo Dealer Services for a car, and they reported this to the Consumer Reporting Agency. I had disputed this information previously that the information was incorrect and that it needed to be changed but to no avail.I even provided documentation of a Notarized Letter that was signed by individual pertaining to get the late payments.

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 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: FL

Complaint narrative:
We closed on loan in XX/XX/XXXX with First Community Mortgage , Inc ( FCM ), c/o XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Made first payment of {$2000.00} on XX/XX/XXXX - Withdrawn from our bank account on XX/XX/XXXX. XXXX Loan was transferred to new servicer effective XX/XX/XXXX. 
Got a letter in the mail dated XXXX XX/XX/XXXX from new servicer stating our 'mortgage payment which was due on XX/XX/XXXX was seventeen days late. ' New servicer received escrow, but not initial payment of {$2000.00} Contacted previous servicer ( FCM ) multiple times on the matter, to have {$2000.00} transferred to new servicer ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 
Have been informed of the following when we called. 
XXXX Not sure why funds are being held. ( XX/XX/XXXX ). 
XXXX Funds are being held because payment was made too early. 
* Payment will be sent out within THIRTY days. ( XX/XX/XXXX ). 
* Payment has been wire transferred, give it seven to ten business days ( XX/XX/XXXX ). 
* Will fill out form to escalate problem for it to be researched as funds were not transferred ( XX/XX/XXXX ). 
It has been over sixty days and funds have not been refunded/transferred. 

Please direct accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive contacted Trans Union several times to certified mail to verify that the debt stated that they are reporting on my credit report is in fact mine. I have not received any verification or original contract saying that I am the original debtor. Trans Union has refused to send me verification yet they Knowingly continue to report this debt on my account. The alleged debt is not mine.

Trans Union is in violation of laws 15 USC 1692 a 5 1692 C 15 US C 1692c a 15 US C 1692 d 15 US C 1681 a 15 US C 1681 n 605 a Ive called XXXX and was denied form of verification. 
I was told by the supervisor at trans union named XXXX XXXX that the lender did not provide verification, and he still refused to delete.

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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I sent a letter to the collection company to validate my debt and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I received a loan from American Honda Financial Services on XX/XX/XXXX while fleeing XXXX XXXX situation that resulted in my termination from a job. XXXX in finance at XXXX XXXX seemed to have information about me when making the loan. 
This year, just before the winter storm hit in XX/XX/XXXX, XXXX XXXX failed to acknowledge that my repair was covered under warranty and attended to get me to trade in my car or finance the repair. I refused these predatory efforts on XX/XX/XXXX and was stranded in my disabled vehicle until XX/XX/XXXX throughout the winter storm and in the face of people wishing me dead. XXXX XXXX informed me of the warranty and made the repair in XX/XX/XXXX. 
I remain impoverished with no money or gas, living in my car in Texas heat exceeding XXXX at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 okay we got scammed for {$150.00} from a person who was supposedly renting in home through XXXX  we found out this person is a scammer we send them {$150.00} for application fee he accepted the money when I got to speak to him to ask him that I need it paperwork to send it to the section XXXX so they could finish the process he asked me for {$1400.00} which at that moment I told him that I was not able to send him any more money until I get paperwork he hung up the phone on me that's when I knew something was wrong I reported it immediately I tried calling him back the phone was disconnected then my son tried calling him he picked up and he also tried to scam my son not knowing that that was my son he tried to also offer the same house and try for my son to send {$150.00} also I have all the information and I have proof and documentation of us trying to ask the man to give us our money back and he's declining to send our money back I reported it to the FTC and now I'm reporting it to you guys I reported it to Chase and Chase does not want to give our money back can someone please help us we need our money back I am going to the police department to make a police report also my phone number is XXXX my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
On XX/XX/2021 I sent a letter to cease and desist. On XX/XX/2021 I receive a letter on attempting to collect on an alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: OK

Complaint narrative:
On XX/XX/2021 I sent a letter to this debt collector because I noticed it on my credit report. I ask them to supply information so that I can be fully informed why they think I owe the debt and to who I owe it. On XX/XX/2021 I receive a letter that's says they are unable to make a positive match in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Nelnet, Inc.
State: NM

Complaint narrative:
I have refinanced my student loans, thought Department of Education- Nelnet shows my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from XXXX XXXX XXXX XXXX XXXX ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: MoneyLion Inc.
State: CO

Complaint narrative:
I have two moneylion credit plus loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The second round of stimulus was issued to me on an economic impact payment card. the card was sent to the wrong address. I have not been able to contact the XXXX team to that I can get another one mailed to my correct address. There is no option to speak to person everything is automated and it makes the process impossible to fix. There should be an option to speak with a live representative that help consumers get the help they need.

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 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I opened up four accounts at Charles SCHWAB and they restricted access and refuse to give me back my money. Ive sent in everything they have asked for notarized documents Id etc I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Sent validation letters and Jefferson Capital Systems failed to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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: NC

Complaint narrative:
I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Arcadia Holdings, LLC
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I sent letters to the bureaus and the creditor via certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. Its been well over 40 days and no results are showing. This is my next option before I take this up with my lawyers and sue for full compensations and damages incurred. Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
I sent a debt validation letter to the collection agency XXXX XXXX XXXX regarding three collections accounts from them that are on my XXXX credit report and received no response. I requested debt validation because I have no knowledge of these accounts nor have I ever been contacted by this agency regarding them. Two of the collections are actually for the same amount of {$2500.00}, which seem to be a duplicate of one that is being reported twice. The third collections from them is for {$1500.00}. It shows opened accounts XX/XX/XXXX. I have no knowledge of the opening of these accounts and have no idea for what these bills are even for. A debt validation letter was sent to them around XXXX XXXX and I have not received any response from this company. They have failed to provide me the information I requested to validate the alleged debts they are reporting. This company is unethical and possibly fraud for ignoring my letter which requested them to provide the validation of these alleged debts. I have also filed a complaint with the XXXX. These collections need to be removed immediately from my XXXX credit report!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: MO

Complaint narrative:
Per complaint XXXX Experian has requested authorization and this is my formal authorization requesting for investigation regarding complaints that was given per prior complaint. This account has several errors and inaccurate information being reported. Attached is my ID to show proof of my identity of my authorization. 

Thank You

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 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Saturday XXXX I initiated an international wire from my BBVA account for {$2000.00}. On Monday I received an e-mail saying " For the security of you and your account, further due diligence must be completed prior to processing this payment. We have attempted to contact you by phone ending in * [ XXXX ] but were unsuccessful. '' This e-mail came BEFORE the call as I was accessible to my phone and computer all day. 

I proceed to call BBVA as indicated " Please call BBVA XXXX XXXX XXXX at XXXX XXXX XXXX or XXXX XXXX XXXX ( XXXXXXXX XXXX to XXXXXXXX XXXX CST Monday- Friday ) within the next 3 business days in order to release these funds. '' I was on the phone on hold for over an hour. Then, I e-mailed them. Nobody answered. 

Nobody answered Tuesday. 
Nobody answered Wednesday. 

The funds are still on hold and obivously there is nobody working in this " Fraud Department ''. However, my FUNDS ARE STILL UNAVAILABLE TO ME and the transaction is recorded in my account as transaction activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2021, I received an email message from Amazon Services stating that a hold had been placed on my account because my card and billing information didn't match. Since I recently received a new Amazon store credit card, I thought it was a valid notification. I checked the email address - it was from Amazon. So, I spoke with an Amazon rep ; that's when I was told that the message was not sent from Amazon, and that my account was in good standing.

The Amazon rep advised me to report the incident to www.ftc.gov.

I've attached the letter provided.

Thank you.

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 2021-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Attempted to purchase furniture with the synchrony store card associated with Ashley furniture. We were told we could use it for purchases immediately however, everytime we hit purchase the card was declined. We were surprised to find out that we were charged 3 times for the same amount. We called the store and they said they submitted multiple requests for the order to be cancelled because there was no order # and the transaction was not processed. Synchrony told us they could not remove the charges unless the store submitted a request. We spent multiple hours with them on the phone only to be told there is nothing they can do and given 4 different timeframes to expect the charges to be lifted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
XXXX receive notification of debt/debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have two XXXX XXXX XXXX loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.

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