vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This has happened before with this " debt '', XXXX XXXX XXXX ( ambulance company ) has sold the debt to collection agencies - supposedly - which has already been paid in full by the worker 's comp plan. The worker 's comp plan tried to avoid paying the charges, but they are liable and I have written statements from them that they have paid off the debt. Subsequently, collectors allegedly acting on the behalf of XXXX then call me and claim the debt is still owed. It's clearly a scam due to XXXX being negligent in their care with personal information. The latest offender involved is " Credence RSRC '', the dead giveaway being collectors based in XXXX who have no personal information, no customer service skills ( aggressive, unrealistically pushy demeanor ), and a refusal to verify the debt ( ILLEGAL ). Use of robo calling - calls from numbers XXXX, XXXX - to appear local and legitimate. I've confirmed that this charge doesn't exist - certainly not on my credit report after nearly 5 years since the actual charge was created, clearly this is fraud and not a real collection attempt. Cheers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: NJ

Complaint narrative:
I contacted the Pennsylvania Fin Agency ( PHFA ) to apply for a forbearance as it relates to the CARES Act during the COVID Pandemic. At first I was given the runaround and was told that this mortgage company wasn't issuing forbearances. I called back the next day, and I was offered a forbearance ; when I inquired about extending the forbearance, I was offered a HUD loan and was told that was my only option. I was pretty frustrated with the option. I could not understand why I was offered a loan when I was already looking for some assistance with my 1st loan. Because the PHFA didn't offer any assistance at the time beyond another loan during my hardship with the pandemic, they continuously report my loan in the negative to the 3 credit bureaus while I struggled to pay my mortgage on time. Under the CARES Act, they were supposed to provide some assistance so my credit could have been protected from negative reporting, and that didn't happen with PFHA. They continued to report me in the negative from XX/XX/XXXX-XX/XX/XXXX. They never offered me another forbearance until last week. 

My other mortgage company has been very accommodating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a used car from a dealership using Bank of America XXXX XXXX XXXX. On XX/XX/XXXX I received a letter the the loan and payment information. Then on XX/XX/XXXX I received a second letter with the same information ( loan amount and VIN number ) but a new loan number. I talked to the bank and they said the first loan was in error and was going to be removed and not to make payments on the first loan as it was going to be removed. I have talked to the bank every week and I get the same answer, it's in the process of being removed. I the meantime I have received late notices for two outstanding payments even though they said the credit department would not send late notices while they were fixing the problem. My credit score has fallen XXXX points. Today XX/XX/XXXX I was again on the phone with the bank and again I am just getting the run down.

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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
LoanCare via XXXX XXXX XXXX has reported to the credit bureaus that I am four months behind on my monthly mortgage payments. They failed to pay my county property taxes and they have stolen my surplus escrow money and failed to apply this money to any of my monthly mortgage payments. For more than nine months I have emailed, written letters, and called them attempting to resolve the matter. I have made the payments that they are reporting as behind. I provided proof of the payments with the transaction dates from my bank statements, I sent them the check numbers, amounts, and dates my bank processed the checks, but they refuse to correct their records. I am a 100 % XXXX XXXX XXXX veteran. My property tax was reduced based on my XXXX, so I had a surplus in my escrow account. XXXX XXXX, XXXX kept the money, but their records do not reflect they applied the funds towards any alleged delinquent payments. Here is my information. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA, XXXX LoanCare via XXXX XXXX, XXXX loan number : # XXXX, and phone - XXXX, email - 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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
I applied and was approved for a loan modification. However, my interest rate is higher in the loan modification. My current interest rate is 4.5 % and the loan modification interest rate is 6.0 %. My complaint is loan modification is supposed to help the homeowners. So, at least Selene should offer the same interest rate, if not lower, especially interest rate right now is lower. I accepted the higher interest rate of 6 % because I was afraid of losing my house if I did not accept the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
we have submitted several request to the courthouse and to the Bureaus about a bankruptcy reporting on my credit. As per the courthouse has advised that they do not report to the bureaus. I writ two letters to the Bureaus advising that they are violating my privacy rights. I am protected by the law and have rights to my privacy. It is Illegal for the Bankruptcy to be reporting.

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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Account Name : Dept of Ed TransUnion XXXX XXXX are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My loans were discharged by total XXXX student loan discharge on XX/XX/XXXX with an effective date of XXXX of XXXX. I received a refund of payments from Navient however to dat they still show a balance on my account and list the loans in a forbearance status for one year. They are also listing that I need to recertify my Income Driven Repayment program status. Its been two months since Navient was given the information from XXXX and they still do not seem to have processed this correctly. My concern is that this will end up going back to a payment status in XXXX of XXXX and I will be forced to go through the process all over again. My XXXX are due to are service connected and this whole issue cause me a lot of XXXX. Can you please get them to correct process this so I do not have any problems in the future?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
Paid loan off with Mercedes Benz Financial Services years ago ( 8 ) and never got release. Husband died ( XXXX ) sent death certificate and Mercedes Benz Financial has still not released lien letter! 
The title ( provided ) has both my name and my deceased husbands name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.

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 2021-08-12 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: TX

Complaint narrative:
So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.

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 2021-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed this account with both Equifax and XXXX XXXX XXXX, and I read the XXXX  XXXX, which clearly states that a paid medical collection, especially a disputed paid medical collection MUST be deleted from a persons credit. Equifax has failed to follow that law. They are continuing to report a paid medical collection despite my repeated disputes! I demand justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Had opened the below mentioned complaint. It was still not completely resolved and the complaint ticket was closed. Henceforth I am opening anothe ticket to continue the complaint until completely resolved. 
RE : Complaint ID # : XXXX Submitted on : XX/XX/2021 Product : Mortgage Reference # : XXXX Property : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I've Reached out to XXXX, about an account I believed that was reporting inaccurate information on my credit report. 
Account Name : CONSUMER PORTFOLIO SVC Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Date of Last activity showing different dates nad not reporting to XXXX and reporting incomplete information This account is showing the terms of the account after its been charged off and closed this a violation of the FCRA and how can this account be reported is accurate when this false information on my credit is clear indication they dont care care about this laws that protect me or any other consumer, and the balance is wrong Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
Trying to open a chime account. Company states that there is no credit check. I went through all the steps so they collected my data including my social security number. Upon trying to log in they deny my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/2021 I received a call from KeyBank Fraud department. It was not a scam. Someone in OH fraudulently withdrew {$2500.00} from my checking account. Went to the branch immediately and filed fraud paperwork and affidavit. Opened a new a checking account and froze old account. I was told approximately 10 days for resolution. It is now 25 days and KeyBank keeps telling me they are still investigating. It's not like it's {$100.00} .... it's a lot of money. I have been in contact with the branch manager in XXXX CT who continues to say 'it is still under review '. On XX/XX/2021 I received a drivers license in the mail from OH. My name, my address, my DL # my DOB, but not my picture. BTW - I live in CT. KeyBank wasn't too interested in this information. I have bills to pay and I have asked for them to deposit {$2500.00} into my account to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: NY

Complaint narrative:
On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following 1. XXXX XXXX  XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX. 

I am in receipt of the response XX/XX/2021 The issues don't seem to be resolved. 
1. XXXX XXXX Account # XXXX Date of first delinquency is still not provided, missing actual payment amount and scheduled payment amount. 
2. XXXX XXXX  XXXX The Status of the account is still wrong even after you claim to have verified it. It can not be over 120 days past due. It is closed XXXX  account 3. XXXX XXXX  XXXX The Status of the account is still wrong even after you claim to have verified it. It can not be over 120 days past due. It is closed XXXX account I attached my previous letter along with the response showing the errors still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is for Wells Fargo 401K Retirement Services. This company is the worst I have ever dealt with. A year ago they let me borrow against my 401K plan, they sent me the check and I did a mobile deposit to my XXXX  account. XXXX  gave me a provisional credit for the time being - the check was then stolen and XXXX  removed the credit from my account. I called Wells Fargo immediately and I filed a fraud case, I had to wait being that this had to escalate to a department where an investigation was done. After 90+ days the investigation was completed and came back that the check was in fact stolen and someone deposited into their Wells Fargo account. Mind you 2 different names and this bank decided to honor this check under someone else 's name. After this I called every other day I spoke with so many agent for an entire year! None which knew what to even tell me, " it seems like you are missing the affidavit. '' What a freaking joke i sent them 3 and over nighted them to Wells Fargo. This was on every XXXX call!!! we need another affidavit. 4 agents told me the refund was already on it's way, I spoke with so many Supervisors it's not even funny. Last they told me was that XXXX had to do a check reversal, I spoke with the Legal department in XXXX  they said " NO, '' since they never paid out the check and they were not the maker of the check. I NEED THIS ISSUE RESOLVED SOME ONE OUT THERE USED THIS MONEY AND IT WAS NOT ME. THIS IS {$2000.00} DOLLARS and to top it off they had the audacity to send me a 1099 form to claim it in my taxes. I have filed so many complaints with Wells Fargo and nothing has been done. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, NC 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 2021-08-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently discovered that my business bank account had been charged with unauthorized transactions. The charges started on XX/XX/XXXX and up to XX/XX/XXXX, in the total amount of {$1600.00}, in XXXX different transactions. 

The business, an online traffic school, had been underperforming since Covid started last year, and then closed on XX/XX/XXXX. All these had caused stress on me not paying attention that the bank could had security issues and allowing a third party to steal money from my bank account. 

The unauthorized charges were made through CHASE XXXX system, a system should only allows the CHASE bank credit card to process the auto pay. But, in this case they were charges initiated from XXXX XXXX. I called XXXX XXXX, and I was they did not find I should be charges for any of my XXXX XXXX  related transactions, and told me to file dispute with CHASE. 

I filed dispute with CHASE for these fraudulent charges since XX/XX/XXXX, and was repetitively told that I have no right to claim the refund based on certain documents I had signed when I opened the bank account. 

Is bank allowed by regulatory agency to operate with security issues and allow customers ' deposit being stolen through the bank 's internal system? 

Shouldn't bank protect the security of its customers ' deposit within its operating system? And be responsible for the depositors ' loss caused by its system security issue? 

Could it be possible the fraudulent charges were created by CHASE system to steal money from its own customers? 

I like to have these questions clearly answered by CHASE. 

Attachements - XXXX bank transactions from XX/XX/XXXX to XX/XX/XXXX XXXX list of transactions which are identified as fraudulent charges and the total amount

Company response to consumer: Closed with explanation