vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion has listed my XXXX balance as {$580.00} for the last 3 months in a row. I have disputed this now XXXX  months in a row and they are still unable to get it correct, regardless of the other two credit reporting bureaus ability to get it correct. My balance currently is {$150.00}.

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 2021-04-06 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: AL

Complaint narrative:
On XXXX XXXX I reached out to equifax about unknown inquiries on my credit report I advised them that the inquiries all happened while having the XXXX year extended fraud alert on my profile they stated that can't remove them I reference them to FCRA that they should be removed because they did not have my permissible use. I have attached a copy of the inquiries that I disputed and were not removed ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello. This added information might be helpful to the original complaint I made on the telephone this morning. About XXXX months ago I applied for a construction bank loan ; I was told that I needed to submit them my last year 's tax information to be granted the loan. For that reason after searching the internet for a qualified source I found a company with someone who called himself XXXX said he would prepare me the required tax documents if I could email him my bank statements for the last last XXXX  months .That is exactly what I did. He said since he had a real estate background he would know exactly what I would need. Since I did not hear from him for over a month, I called his number at : XXXX and was told that he had taken my files home and he would be preparing it on his own, and he would let me know when to pick it up. He never called me back until about 2 weeks ago I had a telephone call from someone who introduced himself as a wells Fargo fraud Dept. agent and said a suspicious activity is taking place in my bank account and the sum of {$4500.00} from my account has been withdrawn from that account. While I was totally shocked, I answered I never authorized any person to withdraw money from my account. Then I was told that in order to reverse that transaction Wells Fargo bank would need my authorization first. He further said that he would send me a text and upon my confirmation of that text the fraudulent transaction would be reversed by the bank, and I shouldn't worry about it any more. Being in a state of shock in order, to obtain more information about this suspicious activity I called Wells Fargo bank found out that the telephone call never came from the bank and {$5500.00} was stolen from the account, bringing my balance to {$0.00}. The bank managed to reverse {$1000.00} of which but they were unable to reverse the rest of the stolen transaction due to the fact that there was no funds available in that account. I feel so helpless and since I am a XXXX person and live on my social security income I would be very much obliged if you were kind enough to investigate this blatant broad daylight rubbery. Here is information from the case numbers printed on the letters I have received from the bank : XXXX # XXXX and claim # 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 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I had a debt with XXXX XXXX XXXX  for two charged off credit card accounts. I settled directly with XXXX XXXX and paid them directly. On XX/XX/XXXX I entered into a payment arrangement and settlement agreement with XXXX XXXX directly to pay the amount over 3 payments. I initiated the first payment on the same day. XXXX XXXX submitted my file to LVNV Funding a collection agency, on XX/XX/XXXX according to my XXXX XXXX credit report. The debt was paid in full on XX/XX/XXXX and yet the initial {$930.00} balance is showing as still outstanding on all three credit reporting agencies. I've disputed the collection with all three bureaus and with the company itself on XX/XX/XXXX and again today. I was told that the previous disputes were input incorrectly and they'd look into it. They asked me to call back within a few days and they'd hopefully have it corrected. 

This incorrect reporting has damaged my credit for over a year and it seems willful from LVNV that they knew the debt was paid, and were still trying to collect on an already paid debt while using the pressure leverage of reporting false data to  XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
XXXX XXXX  collected an extra {$5700.00} from me, then has repeatedly failed to return the money to me as part of an excess funds disbursement from escrow. When they sent me a check in the mail to cash, it bounced. 

The company is refusing to either credit my mortgage with the money they owe me or to promptly provide me with a refund. If I were truly living hand to mouth, this behavior would force me into default. 

I have found XXXX to make repeated errors in handling my loan within just a few months of assuming servicing responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX I purchased furniture online, the merchant sent an email stating the transaction was cancelled and refund issued. 

The transaction has cleared and {$1600.00} is gone was advised I would have to print a form-no access to printer. And wait up to 90 days for resolution. 

No person to speak with or call all overseas automation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I am used to send money to my brother account but this time i sent the money over a month ago and has not gone through yet, i have been calling and emailing the company and they just say that they cant do anything becasue they deposited the money but the bank said they dont have it, i totally understand the process but at this point the one who has to help me is MoneyGram because they were the ones i used to sent the money, I need your help with this matter please. 

XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: LAND HOME FINANCIAL SERVICES
State: IL

Complaint narrative:
I refinanced my home in XX/XX/2020. Prior to refinancing, I was set up in auto pay so my mortgage plus additional principle was automatically deducted at the beginning of every month. I cancelled this at the end of XXXX ... Unfortunately, I was too late and my XXXX payment was deducted ( ~ {$1600.00} ) ... Land Home Financial Services provided the loan and was supposed to pay me back within 30 days by check ... I never ( and still haven't ) received it ... Since then, I've called/talked to them several time where they've stated a check is in the mail and it can take time to arrive ... When the checks don't arrive, they've ( supposedly ) cancelled them and issued new ones ... This has happened 3 times since we initially spoke, I believe the dates were : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. When I spoke to them last, I offered to drive to their office in the XXXX area to pick up the check or asked if they can send it via a carrier for sign off ... They said this is not an option and they can only send through standard mail. With all this going on, I'm receiving all my other mail with no issues ... This includes utility and credit card billing statements, personal mail, magazine subscriptions, and everything else ... This has been going on for +4 months. I'm extremely disappointed in Land Home Financial Services. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: WA

Complaint narrative:
On XX/XX/2021 I sent letters in regards to the incorrect information that is on my credit profile. I have yet to receive a response and it has been over 70 days. Im very unhappy that I have been ignored and I have been very patient. It has been a rough time during this pandemic and I am trying to purchase a house for my family but being that there is incorrect information on my credit report it is hindering me from doing so. It has also cost me thousands of dollars each year due to the incorrect information. Being that it has been over 70 days and I havent received a response I demand that these accounts be deleted. I will not keep waiting and waiting. An investigation should have been done by now, now I NEED the items deleted being that they havent done their job in the appropriate amount of time. Im very knowledgeable of my rights and if items arent deleted I will be filing for litigation due to all the stress Ive been caused due to being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I've been attempting to request financial assistance for the past few months with no success. They've reported my loan as past due on my credit report. My car has a safety recall, I have been calling the dealership to request an appointment and no one is returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: OH

Complaint narrative:
Due to the repeated excuse of Covid-19 Pandemic, I have been battling wrong information on my credit report with all three bureaus since XX/XX/2021. It is now XX/XX/2021. 

I either got no response, or the information remained unchanged, which is hindering me from finding suitable housing to move into, and am in need of permanent housing come XX/XX/2021. I finally decided to move forward with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I have a conventional loan previously modified by HAMP and XXXX XXXX, recently I realized that my investor XXXX XXXX sold my mortgage to a Private Investor : Legacy Mortgage Asset Trust 2019-GS6. I received a forbearance approval immediately after the COVID-19 pandemic began, later I received extensions after three, six, and nine months. 
On XX/XX/XXXX, I submitted a complete request for a loan modification with my current servicer Shellpoint Mortgage, this request included all my financial statements and evidence of my hardship and income reduction. On XX/XX/XXXX, Shellpoint sent a letter denying my request and instead of approval offer me to short sale my property or Deed in Lieu the same. 
I understand thatXX/XX/XXXXis free to sell their investments, but what is the reason that that transaction didn't involve the same layer of protection and benefits that my former investor offered to me??? 
Why Sheelpoint requested to prove my income and ability to begin my mortgage payments if they didn't plan to help me???? After my income reduction, I am able to resume my regular mortgage payments however, I can not bring my mortgage current due to the previous pandemic and their financial effects on my home finances. 
I need to keep my home!!!!!! I am able to resume my mortgage payments, BUT, I CAN NOT BRING MY DEFAULT BALANCE CURRENT. Please do not offer me as your only solution to sell my home. 
Sincerely XXXX 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 2021-04-06 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: AZ

Complaint narrative:
I spoke with XXXX at Transunion on XX/XX/2021 about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my transunion credit report : XXXX XXXX XXXX  XXXX I did not authorize any of this inquiry. I am requesting that all above unauthorized inquiries be removed immediately from my Transunion credit report due to my identity been stolen.

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 2021-04-06 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: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
My records associated with the account XXXXKay Jewelers with account number XXXXXXXXXXXXXXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX/Kay Jewelers but I did not receive what I asked and these violations persist on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was sent this email from who I thought was my title person but was from a masked email. I have reported it to the bank the next business day and was told that my recall was denied. The gmail was masked with my title persons name. 

from : XXXX XXXX to : XXXX date : XX/XX/2021, XXXX XXXX  subject : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX mailed-by : XXXX signed-by : XXXX XXXX : Standard encryption ( TLS ) Learn more Good Morning, Due to the Covid-19 Pandemic, All closing funds should be wired to our trust account today to avoid delay at closing. so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledged the receipt of this email, I will be busy with limited access to my phone. You can send an email if you need anything else. 

Thank you, XXXX XXXX, Title Operations Manager XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( For mailings, use : XXXX XXXX ) XXXX, FL. XXXX XXXX ( Main ) : XXXX Tele : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
My check was stolen in the mail. the party that stole the check altered it. I have filed a report with the bank, postal inspector, my local police department and the local police where the check was cashed. I am pursuing legal recourse on this matter. the check was altered for more than it was written for. I have been in contact with my bank several times to return my money. they are dragging their feet on this issue aand i need it resolve as of my money in the bank. They said it could take up to 30 days to receive my money which is absurd. The bank in question is Regions XXXX Ms . I really just want this bank to know that this is complete garbage and so other people know to boycott regions. It's one thing if I hadn't pursued legal action. I could understand a waiting period but since ive given them all the reports and they are still hesitate to give me my money back is not right ...

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 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: LEXISNEXIS
State: WI

Complaint narrative:
bankruptcy being reported on credit report, I asked XXXX  and XXXX  to verify how they obtained this information since the Wisconsin bankruptcy court does not provide court cases to 3rd parties, I do had that in writing. I then contacted pacer since it was a public record and pacer does not provide this information to credit reporting agencies. XXXX  and XXXX stated that Lexis Nexus provided them with this information I contacted lexis nexus and the rep told me that Lexis nexus does not share information with credit bureaus only insurance companies, but refused to provide me that information in writing, Their calls are recorded. I was not disputing the bankruptcy only that is should not be report to ANY credit bureaus and needed to be removed ASAP. at this point i am ready to take legal action against these companies for not providing me a proper means of verifying this information, who or how it got on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
At the end of XXXX, XXXX, I was notified by XXXX XXXX XXXX XXXX Kansas XXXX ), a debt collector for XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ), regarding an account with LVNV Funding LLC, in my name, pertaining to a credit card debt for {$610.00}. The account was opened XX/XX/XXXX and charged off XX/XX/XXXX as per XXXX XXXX report. I notified XXXX that I had never opened an account with XXXX XXXX XXXX  and that the address was not mine, besides the transactions were made in the XXXX area where I have never shopped. It was evident that my identity was stolen. I never heard back from XXXX, but LVNV who bought the debt, continued to place this information on my credit. I wrote to the 3 credit bureaus many times, over the years, disputing the debt and even sent a letter from XXXX XXXX XXXX, which indicated that I did not owe them any money. It is now 7 years later and LVNV, a company that seems to be in cahoots with the credit bureaus, has not removed the debt from my credit report despite the fact that they have never sent me the signature on the original contract used in opening the account. Under federal law, an unverified account must be deleted from the Bureaus. I have filed an identity theft report with the XXXX Sheriffs Office, which I will be forwarding to the Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX the irs deposited XXXX dollars stimulus payment onto a prepaid american express serve card that i had no clue about. I thought the funds wered deposited into a closed bank account. I put a payment trace on the XXXX and didnt get the results until XX/XX/XXXX. I located an account from the transaction id given to me by the irs On On XXXX XXXX the funds were depleted to {$1.00} balance. I live in florida and have never been to california and thats where ALL the transactions occured and the total balance was depleted in 4 days. I notified serve customer service. Also account protection team. Spoke with supervisors etc ... Was sent a link which was a declaration of fraud form that needed to be filled out. Keep in mind. I didnt ever have possession of the card nor did i even know about it till XX/XX/XXXX but i was being told i needed to give detailed information about transactions that were to be disputed. Which i completed in detail as best as i could. I emailed and i faxed copies which were confirmed to have been received. I was told on a recorded line that my funds would be credited back to my account on the XXXX. I looked today and there has been no change. I called them back again and was told that things were still being investigated and i woukd receive an email with a decision in the future. Not more than an hour later i got an email saying my claim was denied. This is absolutely outrageous. This is a form of strong arm robbery. Something needs to be done about this. Im sure this is haooening to many other people. Thabk you.

Company response to consumer: Closed with monetary relief