vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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: Credit Wise Recovery Solution LLC
State: NY

Complaint narrative:
Credit wise. DBA XXXX XXXX is nor updating my fico score. It's been. Stuck with same s ore since XXXX and up to today its still not moving

Company response to consumer: Untimely response
Consumer complaint received 2021-05-24 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: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Hi, I have been informed when I started myForbearance Plan with XXXX XXXX XXXX XXXX that my credit score will not be affected. This has also beenwritten in their Forbearance Plan that credit scores will not be affected. 
The Credit Bureau has informed me recentlythat my credit score has been impacted and lowered severely because of my Mortgage loan ( ForbearancePlan ). 
I am disputing what happened, and I was hoping you could help me restore my credit score as it used to be because this doesn't seem right and not fair. 
Please, I am looking forward to your helping me resolve this matter by contacting the3 Credit Bureau ( XXXX ) as soon as possible. 
Regards XXXX XXXX XXXX LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Company has filed suit against me and has requested me to appear via remotely to Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
My loan is in Covid-19 forbearance yet Flgstar Bank is sending and making threating calls stating our mortgage is delinquent and demanding full payment.

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 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime allowed an account to be fraudulently opened in my name. I received a cash account card in the mail welcoming me to Chime, when I had never even heard of Chime before. Their security procedures are extremely risky and should be investigated for being an open avenue for fraud in the United States. The customer service team refuses to help because I do not have the email address that was used to open the account. This shouldn't be surprising as the fraudster did not use my own email. Without any physical locations, they leave no options to close the fraud account other than emailing even more personal information to an institution I do not trust nor want storing my personally identifying information. This contrasts to financial institutions that will resolve the matter in person or without requesting your social, passport, or driver 's license. 

Chime .... you MUST close fraudulent accounts using more advanced methods to identify fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: TX

Complaint narrative:
In a single day I am getting 8 calls and all for a person that I do not know and are now harassing me and want this unlawful behavior to stop. This is a mobile phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: CA

Complaint narrative:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
I'm requesting validation for Pursuant 1692g. 
I have not been provided with validation of this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
They keep resetting the payoff and will not provide a payoff so that I can close. When I called to get a status on the payoff, they reset the clock and kicked it down the road 5 days. I have a buyer but I can not close without the payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: FL

Complaint narrative:
i did not consent to authorize nor benefits to any of the following account 15 usc 16802 ( p & 15 usc 1028 ( A ) 1. 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 non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: MO

Complaint narrative:
Continuation of complaint XXXX CFPB did not take appropriate action for XXXX to cease attempting to collect a fraudulent and invalid debt. XXXX was sent billings for 2 years regarding the time spent of many phone calls and letters. 
The right of offset was exercised and XXXX was notified many times of those terms. The amount has been paid in full. The continued fraudulent activity has resulted in additional fees. XXXX fraudulently turning the amount not owed to a collection agency without providing the detailed correspondence for two years has resulted in additional fraud fees. 
The CFPB must take action to prevent further fraud by XXXX. You are not a pass through organization. Your responsibility is to take action against these banks in conjunction with other Federal Agencies. I expect the CFPB to do so immediately. 
XXXX has continued perpetrated the frauds over many years. Someone must be charged, convicted and put in prison! We are a nation of laws. Without them marxism and lawlessness prevails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: CA

Complaint narrative:
dated XX/XX/2021 on collection notice amount {$200.00} original creditor : XXXX I never have a account with XXXX and never have owed money to them. 
I tried to call the number on notice, but it keep saying not avail to answer. 
This company keep mailing Collection Notice several times. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX SC XXXX phone : XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
I purchased a home with XXXX XXXX, who sold my loan to XXXX, who then sold it to Planet Lending within the first 6 months of home ownership. I was never notified by phone or mail that my mortgage was sold. I had my mortgage payments auto drafted out of my account and I can attest to every payment being sent, and on time. I have provided this information on 3 occasions to Planet Lending. I have provided cleared check pictures from the bank. XXXX XXXX forwarded my payments, XXXX also forwarded the one payment they were responsible for. I have included XXXX and XXXX, who have provided dates and cleared check pictures from my bank of when the payments were forwarded to Planet Lending. 

I have been in contact with numerous XXXX representatives since XXXX and still do not have this issue resolved. However, they continuously call in regards to default. Planet has placed payments into suspensory accounts, Escrow, and applied payments to mortgage insurance, which we do not even have. They continuously tell me to call back tomorrow, or they are opening a review on my issues, that they are reviewing reversing the misapplied payments, and late charges. I have also asked to reverse the negative affect this has had on my credit score. XXXX XXXX it was a XXXX and now it is a XXXX. I was in an accident and total lost my truck, and once my cervical fracture heals, I will need to buy a new truck. With this credit score I will be unable to purchase another vehicle, which will affect my ability to return to work. 



I have notes regarding conversations from the following dates : XXXX XXXX XXXX Unknown date Unknown date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXImmediately XXXX Absolutely nothing has been resolved and the credit scores of both parties on the mortgage are continuously being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit score doesnt match my credit history. I am a responsible consumer with no late payments, no derogatory marks and no late payments in at least 6 years yet my credit score never gets above XXXX for a mortgage. I several types of open accounts, all in very good standing. When an inquiry is made companies are being told that Delinquency or derogatory status on accounts is to recent, not enough balance paid down overtime on first mortgage accounts, not enough available credit on revolving accounts. All of these make me seem like I should have a bad credit history but I do not and when I call to resolve the issue. I am simply told that it is computer algorithm. This issue has been going on for 10 years since I bought my house. Recently my credit on one of my credit cards was decreased by over {$4000.00} because of this type of information that are inaccurately being reported during an inquiry. Currently Im using about 50 % of my credit due to Covid. I dont see how that XXXX race my previous credit history. I did not work for six months and had to live off of my credit cards when I was laid off for Covid and still never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TX

Complaint narrative:
I am a victim of identity theft. Someone fraudulently opened a XXXX XXXX store credit card in my name. I spoke with XXXX XXXX who instructed me to file an identity theft report with the Federal Trade Commission. On XX/XX/2020, I filed an Identity Theft Report. I mailed the FTC report along with a letter asking the credit bureaus to remove the inaccurate information from my credit report. XXXX and XXXX removed the items but I have had to send several letters to Experian asking them to remove this item. I sent certified letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. This item remains on my credit report. I received a letter from Experian on XX/XX/2020. This letter says that the XXXX XXXX account has been deleted from my credit file. The XXXX XXXX account has not in fact been deleted from my Experian credit report. The fraudulent XXXX XXXX account is currently being reported as a closed/charged-off account. This item should be completely removed as per the Federal Credit Reporting Act, which states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. I have made several phone calls to Experian to no avail. Please look into this matter and hold Experian accountable. More than anything, I need this fraudulent item removed from my credit report because it is keeping me from obtaining credit and interfering with my livelihood. I have attached the following items : -Certified letter tracking receipts for letters sent to Experian . 
-A copy of my FTC Identity Theft Report. 
-The letter from Experian saying that the item was deleted -A copy of my current Experian credit report showing the XXXX XXXX account as a closed account which is negatively affecting my credit.

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 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was traveling to XXXX. My flight landed in XXXX XXXX and I went to the nearest ATM to withdraw pesos ( in the airport ). The ATM successfully went through all steps and ultimately arrived at cash disbursement phase. 
At the time cash should have been disbursed, the ATM made a rattling/clicking noise and showed an error screen. It also printed a receipt showing I received my cash, when I, in fact, did not. 
I took a picture of the receipt, a picture of the ATM 's number, and tried to contact the XXXX bank via email, calls, and their XXXX page. I never received a response. 
My next step was to contact Chase, who conducted an investigation and informed me of " compelling evidence that I received my cash and would not be refunded. '' I feel unprotected and worried to use an ATM again. What if this were a larger transaction? Ultimately, this was only {$100.00} plus the Chase {$5.00} transaction fee and another {$3.00} FX conversion fee. 
Chase 's dispute process is so friction-filled that it's demotivating for myself and consumers, in general, to file disputes. They gave me a last resort of faxing my receipt to Chase. I do not have a fax machine and have been traveling for many months. The receipt also says that I received the funds, which I stated multiple times throughout this process- it would not be useful evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/2021, i received a text say that there was fradulent activity on my Bank of America account. I then got a call from the Bank of America fraud department number advising that someone fraudulently sent {$3000.00} to an account tied to a XXXX XXXX account and in order to get my money back, I'll have to request the funds back through XXXX tab through my bank of America. I " requested the funds back '' through the Bank of America app XXXX service. However, it was a scam and the funds were sent to a XXXX account. I called the number bank and got the Bank of America Fraud department. They advised that they did not call me. I told the rep what happened and she asked me questions. I asked her how can they call me from the Bank of America Fraud number. She advised that scammers have apps that can change the number. she was aware that it was a scam and told me. She said it would take 10 to 45 days for my claim to be processed. 

I then called XXXX to see if I had any open accounts in my name. They assured me that I did not. 

I received a letter on XX/XX/2021, dated XX/XX/XXXX, XXXX, that Bank of America could not approve my claim. 

I then called and spoke with the supervisor XXXX. I asked her what information was used to make this decision. She could not tell me. I asked her to do a reinvestigation or I wanted to appeal the decision. She advised that I could not appeal the Decision or do a reinvestigation. She advised that this was a scam and because the scammer did not send the funds back there was nothing Bank of America would do further to try to recover my funds that was clearly fraudulently sent to account that wasn't mine. 

It is my understanding that Bank of America has fraud protection. However, I was not protected. 

I also requested all of the documents that were used to made their decision and have not received them yet.

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 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is a mobile phone, the person they are attempting to harass does not own this phone. The number of attempts are unlawful and is harassment. They get a number and they dont care who owns it or anything and turn their computer system and auto-dialer on people.

Company response to consumer: Closed with non-monetary relief