vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: MS

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and XXXX you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I had account with credit union with Suncoast Credit Union place my account on my XXXX  credit file without any notice Im in the hospital with XXXX and my brother tried to call credit union to explain and the woman said they would document account my brother lives in XXXX and work so unable to get to XXXX I can not make call either request the credit union remove account from my credit report and allow me time to get home so I can correct this problem. I dont understand how are they able to place a saving and checking account on my credit report that quickly do they not have to obey the rules the fair debt credit act has placed for all creditors and its not a credit card its my saving and checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial Account # 's XXXX and XXXX These accounts should not be reporting any late payments. I have always made my payments on time. The vehicle was turned into the dealer and the loan as paid off late but was the dealerships fault. Letter from the dealership is attached. 

I should not be penalized and this is preventing me from getting the credit I deserve. Remove the late payments right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
during the housing crises my mortgage loan was being service by JP Morgan chase bank. After 6 years in foreclosure I receive a loan modification. I was under duress and facing the homelessness with my XXXX year old child I had no other choice. At the time of the modification the home was valued approximately {$190000.00}. Chase bank place a new loan on the of {$480000.00} this was unconscionable. Additionally this loan has a balloon payment of {$350000.00} on the loan maturity date. There is absolutely no way they value of the home will every be worth {$480000.00} and there is just now way that the home will be value at {$350000.00} on the maturity date of the loan. Chase did this knowing that there is just no way out. Recently my loan was transferred or sold to XXXX XXXX  XXXX  who has decline to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From : XXXX, To : XXXX, Subject : XXXX XXXX XXXX Online Wire Fiasco Date : Sat, XX/XX/2021 XXXX pm XXXX, Here is the wire department case number XXXX. On XXXX I did an online wire for {$2000.00} to XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX. 
The wire was sent out at XXXX pm on the XXXX. 
I called on the XXXX as XXXX said no funds in my account. I spoke to an agent that morning. The agent said 3 to 4 business days for the wire to show in XXXX 's account. Thursday XXXX messages me- no funds in his account. I call an agent. They tell me it should be in his account by Friday. 
On Monday XXXX he messaged me- no money in the account and He was going with another Buyer. I called an agent again. I was told your wire department was working on it. The agent took my phone number XXXX and told me someone from the wire department would get back to me. 
On XXXX I spoke with yet another agent after not receiving any call from the wire department. He advised to wait until XXXX. I just got off the phone I spoke to 4 agents. I requested to speak to a supervisor. She after doing some research told me the wire department would call me back in two business days which would put me at Wednesday XXXX for someone to call me and it could take another 10 business days to resolve the {$2000.00}. 
Needless to say this is unacceptable. Ive been a WFB customer for a long time. Call the XXXX. I've done the voice verification. The automated response is very frustrating. Once I ask for customer service it asks what is the issue. I ask for customer service. After a wait I will get an agent. 
I'd like a response on Monday XX/XX/2021. If not I'm emailing all board members and cc'ing the FRB, CFPB, and FDIC. I'm very close to contacting my attorney. This letter is my attempt to resolve this before litigation. 
Sincerely,

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 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX was transferd out of my banking account. 
XX/XX/2020 Money orders and checks including wire transfers and banking accounts were made. 

XX/XX/2020 numerous police reports were made and my alarm was sounded, and police were sent out to house, no one was found however we did find footage on our security camera.. my debit card was stolen and immediately after large amounts of cash from our banking account came up missing. 

Six months later another inheritance was found and retrieved and chased with out my knowing by my father XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
during the housing crises my mortgage loan was being service by XXXX XXXX XXXX XXXX. After 6 years in foreclosure I receive a loan modification. I was under duress and facing the homelessness with my XXXX year old child I had no other choice. At the time of the modification the home was valued approximately {$190000.00}. XXXX XXXX  place a new loan on the of {$480000.00} this was unconscionable. Additionally this loan has a balloon payment of {$350000.00} on the loan maturity date. There is absolutely no way they value of the home will every be worth {$480000.00} and there is just now way that the home will be value at {$350000.00} on the maturity date of the loan. XXXX did this knowing that there is just no way out. Recently my loan was transferred or sold to PHH mortgage service who has decline to help me. The loan is now owned by XXXX XXXX  and is being serviced by PHH Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I requested from money lion to refund my credit builder plus loan funds totaling more than {$400.00}. All they said was that they cant refund it unless I finish paying it off, but I had recently quit my job to a hostile work environment, and dont see myself being able to get money to pay it off in the future. My self employment wont be enough to cover it. Also, Im not sure if this company is fradulent given I was charged {$110.00} on XX/XX/XXXX on my roar account, but I had already payed it off using my bank account. Also, there was hidden membership fees. It wasnt stated that Id owe an extra XXXX dollars twice a month in the user agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX  and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$770.00}

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 2021-06-21 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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine.

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 2021-06-21 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: MI

Complaint narrative:
Good Day, An Experian representative advised me to use an Experian portal located at Experian.com/Upload to upload proof to substantiate my claim that an inquiry should have been removed this month, XX/XX/XXXX. Instead, something unethical has occurred. Somehow, the information has been changed on the " XXXX  '' inquiry. The documents I upload will show that on a XX/XX/XXXX Experian report as well as on a XX/XX/XXXX Experian report that this inquiry was supposed to be removed this month, XX/XX/XXXX. However, when you look at the report that was generated on XX/XX/XXXX you will see that the information has been changed on this inquiry. Instead of being reflected as XXXX, it has been changed to reflect as XXXX XXXX. Also, the inquiry date has been changed from XX/XX/XXXX to XX/XX/XXXX. The removal date has been changed from XX/XX/XXXX to XX/XX/XXXX. 
I won't speculate to the potential unethical practice of Experian and/or not limited to the reporting creditor in regards to this matter. Furthermore, I requested my Experian credit report from XXXX and I had the opportunity to review it on Saturday, XX/XX/XXXX. On this report, neither inquiry mentioned above is listed. I will provide documentation to show this as well. Due to the conflicting reports, the many inconsistencies, the name changes, the date changes, and etc., this Inquiry previously reflected as XXXX, that is now mysteriously being reflected as XXXX XXXX, need to be removed as it was initially scheduled to be. 
Please advise and remove this inquiry as it should have been removed this month. Please note, that I already disputed and provided proof to Experian of the inquiry listed above that was to be removed this month, but instead, the inquiry information was changed. Experian did not resolve the dispute in my favor despite me providing evidence of my claim. This dispute was filed on or about XX/XX/XXXX. As a result of Experian failing to remove this inquiry, in spite of having proof, I am left filing a complaint with the CFPB to assist me with this matter. 

Best Wishes, 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 explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
Someone opened a Money Lion loan using my information, the account shows on my credit report for XXXX opened XX/XX/2021 ... i have tried to contact the company with no success. I had to close my bank account and open a new account due to this fraudulent activity. Please help me get this account removed from my credit report. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX and credit card purchase was made to XXXX  in the amount of {$490.00}. My husband tried to use the software and was not working. He tried to get in touch with the company with no response. Then a dispute was put in with Bank of America on in XX/XX/XXXX. Received a letter in the mail on XX/XX/XXXX which was dated XX/XX/XXXX asking to sign and date the letter to indicate not satisfied with the product and to produce additional information which I did and had to be submitted by XX/XX/XXXX. Given 2 days to respond is quite absured. They were sent the screen shots showing XXXX  was a scam the business was temporarily closed. They denied the dispute. Then we spoke with a XXXX XXXX back in XX/XX/XXXX from Bank of America and he advised he will reopen and review and will get back to us in 30 days. This did not happen and we spoke with Bank of America on XX/XX/XXXX and they stated a claim was never put through again for the {$490.00} charge which XXXX XXXX stated he would do. Received a call today from Bank of America and they advised they are not going to refund the money. Mind you numerous calls have been made to Bank of America previously from this. We were charged for a product that was a scam. I have been a long time Bank of America credit card holder and I find this absolutely ridiculous. I am sure they would have no problem refunding {$20.00} but they would not refund {$490.00}. I feel I am due the money back since it states this company is a scam and temporarily closed.

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 2021-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
The company that threaten to sue me is called XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX. They threaten to take me to court if i did not pay for an auto loan that was repo in 2018. The company that I have gotten the loan from is Santander based in Texas. I just gotten a letter in the mail stating that Santander has been sued by New York State for wrongfully over charging people interest on their loans. This was sent to me by the State District Attorney. I wanted to know if I have to still pay the loan back if the loan was illegal in the first place in the State of New York?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with XXXX XXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$190.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for XXXX, XXXX and Trans Union. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information XXXX, XXXX  and Trans Union is reporting the information and need to correct the information. 

XXXX  : XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX IXXXX XXXX XXXXJXX/XX/XXXXXXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Trans Union XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX UNIVERSITY and I do not have a contract with CONSERVE plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CL Holdings LLC
State: PA

Complaint narrative:
I received a phone call from collection agency from a blocked # then the rep talked to me with out authentication there is a XXXX & XXXX in my house Gould the balance on the account was {$560.00} they offered me a settlement for XXXX XXXX and something dollars asked the rep did the purchase this debt sat yes I offered him a lower amount said he need to bring his Supervisior on line talked with his Supervisor XXXX XXXX who also discussed the debt without authentication told him I never received anything in writing from your office and I believe you have the wrong person then he states are you threatening me to take an lessor amount of money I stated how can I threaten you to take my money told him Im going to file a complaint against there office for 3rd party disclosure and not authenticating you have the right person on line didnt ask for my date of birth or social security # Collection agency name is Jefferson Capitol Llc XXXX XXXX XXXX XXXX XXXX Mn XXXX there in violation for not authenticating they have the right party on lime and calling me before they mailed something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith, Cohen & Rosenberg LLC
State: IL

Complaint narrative:
I PULED MY CHILDREN OUT OF SCHOOL IN XXXX DUE TO AN OUTBREAK OF COVID AN INFIRMEDTHE STAF THAT YOU DID NOT FEEL SAFE WITH THEM ATTENDING IN PERSON CLASSES, NO VIRTUAL CLASS WAS OFFERED. THE SCHOOL IS SAYING I OWE FOR XXXX WHEN MY CHIKDREN STOPPED ATTENDING IN XXXX PER TWO WEEK NOTICE THAT I GAVE THEM. I ALSO PAID FOR XXXX THOUGH THEY DID NOT ATTEND.I HAVE BEEN UNABLE TO WORK AS I HOMESCHOOLED MY CHILDREN, AS SENDING THEM TO SCHOOL WITH A KNOWN COVID OUTBREAK PLACES MY FAMIKY AND I AT RISK AS WE HAVE PREEXISTING CONDITIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERASSIST plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1700.00}

Company response to consumer: Closed with explanation