vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Sent documents on XX/XX/2021 indicating my remedy for violating 7 Federally Protected Consumer Rights under 15 USC 1692 and 1681 to avoid suit being filed in court. Invoice amounted to {$7000.00}, XXXX maximum for each violation committed by Jefferson Capital Systems , LLC. 
All but 1 remedy was acted upon. 1 ) zero the balance on the account and 2 ) deletion/removal from consumer reporting agencies **Failure to 3 ) compensate myself for every violation labeled in attached exhibits provided to Jefferson Capital Systems , LLC that violated FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX  XXXX XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliant Capital Management LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, my name was submitted to a collection company for {$99.00} from a company I have never done business with named XXXX XXXX XXXX at XXXX. I contacted XXXX XXXX XXXX XXXX representative name is XXXX XXXX on XX/XX/XXXX to ask why they reported me for something I didn't do. XXXX said it was from XXXX, and I asked what that was, and she said they receive a number of complaints about fraudulent claims and I would need to talk to Alliant Capital Management. XXXX gave me the number, XXXX to call referencing case number XXXX. 
I called Alliant Capital Management and talked with XXXX, and she did not know the case number, but could look it up by my social security number, which I provided. XXXX said there was a purchase for XXXX XXXX XXXX in XXXX of XXXX to an address that I last lived at in XXXX. I told her I didn't know anything about such company or purchase, and hadn't lived at that address since XXXX, and she said it was probably fraud and I would have to make a fraud report to prove it. She said they got the notice in XXXX and I have never received anything regarding such transaction until I got fraud alert from XXXX XXXX. XXXX said she would mail a verification of debt form to take to the police to file a report, which I will do as soon as I receive the form. 
To date, XXXX, I have received no documentation about any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I attempted to purchase XXXX at a price of {$2200.00} inclusive of fees on the Binance.us website. The website indicated the transaction failed and my account was not credited, however on XX/XX/XXXX their payment processor withdrew {$2200.00} from my bank account. I contacted their customer support and did not receive a response until I began complaining about the situation publicly on XXXX. Since then I have received emails, usually a week apart, first asking for more information, then acknowledging the error, then saying my account would be manually credit for the purchase, and finally saying that they might be able to credit my account towards the end of the month. I separately contacted XXXX, their payment processor, however XXXX ascribed the problem to Binance, us and didn't really offer any help. As of today, XX/XX/XXXX, I have received no reply to my last correspondence indicating I found their " solution '' unacceptable ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I'm trying to protect my credit file so I'm requesting a security PIN from the bureau 's ( Experian, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX y name that is associated with my credit file is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2021-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
My mortgage is with Rushmore Loan Management Services. It is a FHA loan. I was in the care act program with several months of Forbearance. I was told by Rushmore that the forbearance payments will be " floating '' or " silent '' which they explained will be added to the end of the loan which gets repaid when the home is sold or refinanced. 

I got out of forbearance and started making payments. My lender mentioned to me that with the increase of value of my home, that I made over 3 payments after forbearance ended, and with low interest rates, I can refinance to a conventional loan resulting in much lower and affordable payments. I submitted the application, got approved, and was going to close on the loan BUT information for the closing was withheld and did not get sent to the lender for over 60 days. Now I find out that there is a 2nd lien for the forbearance which was not part of the deal. There was never documentation or approvals for this 2nd lien. The largest issue right now is that my lender is being told by XXXX, HUD, that I can only refinance to another FHA loan and must have mortgage insurance. This was never part of the deal, never a requirement, and I believe is violating federal law. The forbearance amount is around {$15000.00} and there is no reason to require this. Its not in the care act and is very unusual. 

During a pandemic XXXX HUD, and FHA should not be forcing people into higher payments when lenders are willing to give a fair loan which would greatly help families and home owners. I have a lender who approved me for a conventional loan which would reduce my monthly payment $ XXXX. XXXX and HUD need to only care about being repaid. They have no business preventing me to refinance to a better loan program!

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

Complaint narrative:
To who can help : I have been filing this complaint for this company for months and keep getting a response that is is not looking at my issues with Shellpoint. They are not a company that fact are part of the picture. I have shown that the payments have been made and in the 30 day time frame but late charges are always applied. Even when I send as certified mail ( see enclosed receipt ) to be able to track and show it is on time the fees are still charged. They have collected additional fee for services that have not be authorized. They have charged and collected fees that the original lend stated would be placed at the end of the loan. 
This company is not one that I would do business with but has made it impossible to eliminate, for they are miss reporting to the credit bureau. I need this information removed and corrected to all three agencies. 
Please help me with this issues in writing only XXXX XXXX  XXXX XXXX. XXXX  XXXX, Ok XXXX. I do not take unknown calls. I want this fixed and back on some track of resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I C SYSTEMS added a derogatory mark on my credit report per XXXX and XXXX but not XXXX Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor ( XXXX ) did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, I C SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My saga begin XX/XX/2021 when I innocently open an online account. 
The opening of the account was fairly easy - I receive an email notification, log into my account and as suggested I transfer funds into the account. About a week later I wire more funds into the account. 
A couple of weeks later - when I am outside the US and I can't log into my account. I call TD, after being bounced around - they tell me I need to verify myself personally ( why have an online account you ask - good question ). I explain to them, that I am out of the US and am stuck because of the pandemic. They say no problem. Silly me I believe them. 
Come XXXX I am still out of the US - ( but my physical mail is forwarded ) - I see my account is closed. Why - I don't know. No communication, no email. NOTHING. 
Once again I call customer service and am bounced around. No one seems to know what to do. The folks mean well, but are useless. They said go down to a branch when you get back - they will help you. They also mention the mysterious demarketing department ( like area 51 ) - who I call - but no one ever answers or returns my phone call. 
Fast forward to today XXXX XX/XX/2021 ). I am back in the US - I go down to a local branch ( XXXX XXXX XXXX XXXX NY ). I speak with XXXX. To say they are unhelpful is the understatement - they throw me back to the XXXX number. I press them and they give me a XXXX number to call the demarketing department - ( remember I did call them - they never called back ). I tell him they never returned my call. He says sorry!! 
I sit in the back over 2 hrs on the phone w/customer service. I am tossed around like a sack of potatoes. No one can help. No one can return calls. Is this customer service in our day and age??? 
TD Bank basically stole about $ XXXX from me and I can't figure out how to get it back. 
I have done some research and apparently this is a known problem. 
Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: 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: CT

Complaint narrative:
I DID NOT CONSENT, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING INQUIRIES ATTACHED. REMOVE THEM IMMDIATELY. 

THERE ARE ALSO ADDRESS LISTED THAT ARE NOT CONNECTED T ME AND INCORRECT DOB LISTED ON XXXX WITH XX/XX/1983. 

THE ACCT LISTED BELOW IS NOT MINE : XXXX ACCT # XXXX i HAVE FILED FTC REPORT AND DISPUTED THESE ACCOUNTS NUMEROUS TIMES I HAVE NEVER RECIEVED PROOF OR VALIDATION THEY BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hard Credit inquiry done using another social security number, not mine, by TjMaxx / Synchrony Bank, ( Synch/tjx dc ), on XX/XX/2020. But has appeared on my credit. And have brought my credit score down by over 20 points. I have been trying to correct this matter with said bank ( fraud dept ), for months. They have told me over and over again that they have sent over a deletion of account letter, to the three credit bureaus. Being that my social security was not used. Credit bureaus have not received said letter. Said company has refused forward said letter to me, so I could then forward to 3 credit bureaus. My credit score has been affected negatively and has caused financial issues in my life and my families life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage has been holding back my home loan modification. I asked for the interest rate to be re-done since I have very good credit and they did not want to do it ( investor is not willing they told me ). Since this is a Conventional Loan. They are not willing to make any modifications on the rate to help. They said that they are modifying by placing my 5 payments at the end of my loan. I have paid my mortgage in a timely manner for over 4 months now ( I have paid my mortgage for over 10 years on time ) and I have asked them to let me know on the status of it and there is no resolution. I always get the same answer -- " WE ARE WORKING ON IT '' My statement ( attached ) shows that there is {$2700.00} as UNAPLIED PAYMENT .... am I paying interest to money that I have already payed? - Am I paying and money that is staying in a escrow account and not going into my account, while interest accrues? -- I do not how else to do do to get this resolved. I hope the XXXX XXXX XXXX help me to get this resolved or I will have to get an attorney to get some answers for me. thanks

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