vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I will sue your company for violating my consumer rights under FCRA & FDCPA if you continue to refuse for my validation request.

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 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, I've been having these negative items reporting for a year plus now and Ive been disputing the items. The only response I receive was that it was verified. I want to know who verified it? Also I want letters of validation stating that I owe or borrowed debt from this people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Ordered appliances with a Chase Ink card that were not shipped as promised. Made multiple written requests to the merchant to cancel the order that were ignored. We advised the merchant we would refuse delivery, if shipped. The item did ship and we refused delivery. The merchant claimed the delivery was accepted, so we disputed the charge. Chase later reversed the chargeback, stating the merchant provided proof of delivery. When Chase forwarded that documentation to us, we saw the proof of delivery was forged with my wifes initials, likely by the driver. Chase provided me with misleading information and told me I could appeal the findings and re-open the dispute, only to ultimately tell me they could not appeal on those grounds, and we have been left to eat the $ XXXX charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services at XXXX XXXX XXXX XXXX, MA XXXX was contacted for the third today on XXXX XXXX about a debt ( For XXXX XXXX XXXX XXXX ) that was paid in full on XX/XX/2021. I spoke with a collection agent explaining that the account with Collection service was paid in full and that XXXX is still showing a past due amount that was paid to collection services in full. I proceeded to explain that XXXX supervisor stated that XXXX needed Transmission Report and Account number fax to a number a XXXX claims department to resolve bill. Collection agent proceeded to state that her supervisor will email something to XXXX which was failed prior to being contacted today two other times. I ask for the collection agent to let me speak with her supervisor XXXX so I can explain the whole situation over again which I was told that something will be email to XXXX and I stated to XXXX that matters had yet to be resolved because this is my third time calling. I am being give the run around and I would like matters to resolved in a quickly matters cause as of right now XXXX have me with a passed due amount of {$490.00} that was paid in full to Credit Collection Services. I should have to stress about paying something that was taking care of. I would like someone to contact me at XXXX cell # is XXXX and may name is XXXX XXXX. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
I was laid off XXXX due to Covid-19 and applied for forbearance with Amerihome Mortgage / XXXX. I was forced to make the XX/XX/2020 payment, and they started my forbearance in XX/XX/2020. This is using my first month of forbearance and they refuse to correct the start date to XX/XX/2020. They have stated that I am past 12 months of forbearance and that is more than they typically offer. They are blatantly trying to ignore the Covid-19 mortgage assistance coverage provided by the Cares act and all other federally mandated extensions. They call multiple times per day and start each call by intimidating you with " we are attempting to collect a debt, you are past due {$110000.00}. Would you like to make a payment? ' completely ignoring that you are in forbearance until you remind them. This is abusive, misleading and harassment to be subject to these calls and omissions of pertinent facts. The waiver to use the website is insane. I don't think I should have to give up my rights to anything just to view my loan documents or forms. After the 4th call I spoke with XXXX in customer service - call letters XXXX- who was the most helpful person, answered all my questions, got me the info I needed and set up a supervisor call back to resolve the issue that was not in her department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have sent several correspondence to each company and as of today no response has been given. Im starting to feel like a number rather than a person. I noticed these inaccurate recently and I researched how to get these removed and in doing so I found my information was compromised in the XXXX data breach. Now more than ever I fear my information has fallen into the wrong hands. Please assist in helping me get through this.

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 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
We closed on our refinance with Loan Depot on XX/XX/XXXX. 
Our closing fees included {$1800.00} for real estate taxes due upon closing to XXXX XXXX XXXX. This tax. Payment was not made and has not been made despite every email and telephone call attempt we have made. We have been communicating via email and telephone with 2 separate individuals : XXXX XXXX ( customer service supervisor XXXX XXXX ) and XXXX XXXX ( XXXX, XXXX XXXX XXXX ). 
As of now, XXXX XXXX XXXX has NOT received payment for the XX/XX/XXXX quarterly payment. I have also provided a copy of statement from XXXX XXXX XXXX showing no payment. 
Additionally, the tax payment schedule is incorrect on LoanDepot processing side as it states no tax payment needed until XXXX. 
We have tried several times to have this corrected over the past two months to no avail. They still want to track down the title company how to track down what happened to the payment that was taken upon signing of the closing documents. 
Please advise and help. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I deactivated my account due to unauthorized access through a phone porting scam. I was able to deactivate it before any funds were withdrawn. I changed my phone carrier to a more secure company and am now trying to regain access to my account as I have a substantial amount of assets there. The customer service is almost nonexistent. I have received an email back requesting I forward I.D . and KYC documentation. I have complied with their requests and have heard nothing back for nearly a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Around XX/XX/XXXX, I requested an security freeze for my child from Equifax using this form : https : //assets.equifax.com/assets/personal/Minor_Freeze_Request_Form.pdf I mailed the completed form and the required documentation to this address : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX That address is listed on the form itself and on this page on Equifax 's website : https : //www.equifax.com/personal/education/identity-theft/freezing-your-childs-credit-report-faq/ On XX/XX/XXXX, I had not received any response from Equifax. I called Equifax to ask whether they had received the request. I was worried because the request contained sensitive documents for both my child and me. I was told that the address listed on the form and the website does not accept requests for child security freezes. I was told that requests for child security freezes that are sent to that address are destroyed without being processed. This seemed difficult to believe, but Equifax 's phone support team confirmed it several times : if you send Equifax 's form to the address that the form says to use, an Equifax employee will open it up, shred it without processing it, and send no reply. 

The XXXX. XXXX XXXX address is still listed on the Equifax website as of XX/XX/XXXX. I was unable to find any other mailing address for requesting a child security freeze on the Equifax website. This effectively makes it impossible for parents to freeze their child 's credit report through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I received a check from USAA in the amount of {$110.00}, dated XX/XX/2021 made out to the estate of my late husband for unused credit card rewards and interest. However this check was received 7 years and 10 months after the death of my husband. His estate was settled many years ago and there is no estate account, so the check could not be cashed. I contacted USAA via telephone and they advised me, they knew this was a problem, as most of the recipients had a loved one that had passed more than 8 years prior and they were sorry and working on a solution and I should call back in a week for an update. When I called a week later, they advised they were still working on a resolution and I should call back in another week. A week later I was then given another number to call XXXX. I called that number on XX/XX/2021 and they advised there was nothing they could do about the changing the payee of the check and it would remain made out to the estate of my late husband. They advised I should hire an estate attorney and open an estate account. When I said that would cost more than the value of the check of {$110.00} they said there was nothing they could do about it. I offered to send them a copy of my husband 's will, naming me sole heir, so they could make out the check to me, but they said that was unacceptable. When I asked to speak to a manager or supervisor, they refused to put me through, because I don't have an active account with them! When I asked how this could happen all these years after my husband 's death, they told me the funds were found during a department audit, however they could not explain why it took them over 8 years to conduct said audit. I told them it seems obvious that they do not want to pay these funds to the rightful heirs and sounds like fraud and theft. Anything you can do to help would be greatly appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to verify, through the physical verification of the original signed contract. I am requesting for proof to be sent to me immediately upon receiving this letter. FCRA states to the credit bureau that if you can not send the proof such as wet ink contract that I signed with child support then you have to remove it off from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: VA

Complaint narrative:
I was contacted on XX/XX/XXXX at approx XXXX from a spoofed number. I asked the person calling what the purpose of the call was and who was calling. the gentleman told me that he had all of my information and needed to confirm my identity. I asked several times for the name of the company and why he was calling from a spoofed number. he finally identified the company as ERC but did not state the purpose of the call, instead repeating that he had all of my contact information. He asked if I still lived at an address I sold over 25 years ago and I told him that I did not live there any longer but assumed that he was calling about a debt. I told him that I dispute any debt associated with that address since I rented out my home for a few years before I sold it. 
I repeated that I would like to know what company he was calling about and when he would not answer I told him to mail me a statement and not call again. It is a supposed debt from XXXX cell phones which I dropped as a carrier 2 years ago. I have disputed this claim for 2 years, I paid off any debt so that I could unlock my phones when I changed carriers. I called and asked for my final bill and paid it in XX/XX/XXXX or XXXX i do not owe XXXX any amount since the call I have received numerous calls from more spoofed numbers and a few emails from ERC. I would like them to stop using spoofed numbers and a clear called ID which they do not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Yes I paid off in full my comenity-XXXX the XXXX XXXX XXXX account in XX/XX/XXXX then they said I still owe XXXX so I paid that at the store ; so the next month I get another statement in mail saying I owe XXXX more so I called they claim they never received so I sent them a copy of receipt and they're still harassing me about now they've sent another statement this month XX/XX/XXXX saying I owe them XXXX $ when the said account was supposed to be closed in XXXX paid in full, tired of the harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 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: VA

Complaint narrative:
I have sent several correspondence to each company and as of today no response has been given. Im starting to feel like a number rather than a person. I noticed these inaccurate recently and I researched how to get these removed and in doing so I found my information was compromised in the Equifax data breach. Now more than ever I fear my information has fallen into the wrong hands. Please assist in helping me get through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I initiated a Balance Transfer from Comenity to XXXX XXXX ( moving my balance from XXXX XXXX to Comenity ). The amount was {$10000.00}. 

I contacted Comenity around the XX/XX/XXXX, asking them if there was a problem because the money hadnt been received by XXXX XXXX. They said I had to wait 30 days. 

I called them again on the XX/XX/XXXX. I was told there was nothing I could do until the XX/XX/XXXXas that would be 30 days from the date of the actual check date. But, the transfer would automatically fall off if not cashed by that date. 

I called again ( and I had sent secure messages in between, too ). On the XX/XX/XXXX, they said they would file the stop payment, and Id see a credit in 72 hours. 

On the XX/XX/XXXX, still nothing. So, I contacted them again. At that point, I was informed that the check was an electronic check and it showed XXXX XXXX had received the money on XX/XX/XXXX. They asked me to submit the XXXX statements showing no credit and suggested I file a dispute with XXXX XXXX. I did so right away, but the only information Comenity could provide was the electronic check number. A dispute was reopened, and I stupidly thought that these 2 banks would talk to each other and figure out where the money went. 

I submitted the dispute to XXXX XXXX the same day and they came back on XX/XX/XXXX saying they wanted a Routing Number and which account the money was sent TO. 

To be clear, every time I called in, I was told I had to wait to receive Comenitys letter in the mail - I was not allowed to talk to Comenitys dispute Dept and neither were their frontline agents. I sent a request to Comenity by Secure Message - asking for the transaction information XXXX XXXX said they needed : Routing Number Check Number XXXX XXXX account the payment was made TO I received a reply that I would have to wait for their letter. 

When XXXX XXXX closed the dispute for lack of information, I called Comenity again. Approximately XX/XX/XXXX. I finally got a supervising agent that understood : oh, I needed what they would need to verify the payment. She filed the request with XXXX Dispute department and I had to wait. 

I sent a secure message to the Fraud Dept. 

On XX/XX/XXXX, I called again because I received a document in the mail, but it had, again, only the electronic check number. No routing number, no information about what XXXX XXXX account it went to. 

I sent a written dispute by certified mail. And re-opened my dispute with XXXX XXXX using the document I received. 

To date, XXXX XXXX still treats this like I have a canceled check I can provide them and wants proof. And Comenity doesnt think theres a problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
I submitted a complaint against factual data, XXXX, and Credit technologies using CFPB case number XXXX. 

It has been over 30 days. Factual data sent documentation that they are removing their inquiries but they are still on my credit report. XXXX and Credit technologies have not responded, according to the law they have to remove this from my credit report. They have not validated the inquiry.

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 2021-04-20 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: FL

Complaint narrative:
I submitted a complaint against XXXX XXXX, XXXX, and XXXX XXXX using CFPB case number XXXX. 

It has been over 30 days. XXXX XXXX sent documentation that they are removing their inquiries but they are still on my credit report. XXXX and XXXX XXXX  have not responded, according to the law they have to remove this from my credit report. They have not validated the inquiry.

Company response to consumer: Closed with explanation