vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: DC

Complaint narrative:
XXXX XXXX Mortgage and I agreed to a forbearance on my mortgage, then around XX/XX/2020 we agreed to defer the forbearance amount to the end of the life of the loan. Recently I tried to apply for refinancing and credit, shocked to learn that I am unable to be approved for anything because they think I am overdue/late on my mortgage. I investigated and saw that my mortgage statement was showing that I was overdue since XXXX, even though I have been paying FCM every single month on time since XX/XX/2020. The statement even goes to say that if they don't receive the lump sum payment in the amount that I have already been paying them since XXXX, they will assess a fee charge. I called and FCM said they don't handle this since it is now with the " Loss Mitigation Department ''. I called Loss a several time and the only not so reassuring responses I could get every time was that they are " backlogged '' and " hope to have it solved sometimes XXXX ''. That is highly unprofessional and causing me financial losses in the moment when refinancing rates are at its lowest, I am unable to refinance based on something that should have been resolved by XXXX at the latest by FCM. They refused to acknowledge their lack of attention to this matter and the ramifications it has caused upon me.

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 2021-06-30 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I got this account that is not mine and i want it to be remove from my credit report asap. 

1. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This 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 2021-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number  : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX PA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had an auto lease through Chase Auto from XX/XX/XXXX through XX/XX/XXXX. Since the lease concluded, I have received countless bills and settled account statements from them, with little to no explanation for the charges. 

Most significantly, in late XXXX, after countless rounds of Chase Auto explaining the debt and sending me evidence of personal property tax payments that were the source of the remaining amount, I paid and received notice that my account was settled. Since then, Chase Auto sent me a check for several hundreds of dollars with a letter indicating that they had reviewed my account and identified an error, but with no explanation of the error or what it was. 

On XX/XX/XXXX, I received a new letter from Chase after hearing nothing for months, this time requesting payment on the lease for a balance due of {$600.00}. The letter has no explanation for the amount. When called by a Chase representative on or around the XXXX for the same request, I explained and they acknowledged that there was an error. Nevertheless, when I called Chase in response to this letter, they refuse to explain the debt, provide accounting for it, or acknowledge that the account is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called in to dispute items on my credit report and for over a year now the dispute portal hasn't been available or working for consumers to dispute items they will not mail out dispute forms talked to an representative to apply the dispute for me but my credit file has no credit report number therefore there telling me they can not retrieve my information this is unacceptable.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
letters were sent to XXXX, XXXX, and transunion with no response

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
letters were sent to XXXX, experian, and XXXX with no response

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 2021-06-30 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: HW Holding, Inc
State: MI

Complaint narrative:
In XXXX, my mother moved into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I was not working with and living with my mother I was not working and a full time student under my mother care. The lease was signed and due to run XX/XX/XXXX XX/XX/XXXX. If wanted to receive a {$50.00} discount on the rental. In XXXX of XXXX, the apartment complex came to my mother and told us that they recalculated the numbers and we can move out and not have the additional months added. They had a tenant who wanted the unit. We SPECIFICALLY told them that we were under the impression that we had to move by XXXX. The apartment manager stated that it was incorrect and we can move now NO Penalty. 
Then after a couple months the new company decided that they didn't like the agreement and filed charges against me and my mother. XXXX XXXX. 
XXXX XXXX XXXX  owner XXXX c/o XXXX & XXXX filed a rental eviction on us to Appear in court on XX/XX/XXXX. Case # XXXX for the amount of {$1600.00} My mother called and they stated that it was a mistake and they cancelled their case with 36th district court. A couple months later it was added to my credit report. 
I called and they told they me that it was an error and that why the removed the case. I reached out to the company and since its now new management they wont speak to me. i filed a complaint with the credit bureaus. And I also sent Hunter & Warfield letters to rectify the error that is cause a huge problem with my credit file. Hunter and Warfield refused to respond to me. Instead they came up with this outrageous amount and trying to make me pay something in which they know I do not owe. They know that they removed the error from my mother account and just using me as a way to try to get an unlawful payment. 
The Credit bureau keep sending back verified. I send another asking the how did they verify it .. The sent another letter asking how did you verify and who and when did you speak with someone. XXXX  and XXXX did the same this and refused to kook into my claim.. 

They are trying to put debt on me that I do not owe. You can look at my payment history and see that i pay my bills. 
And further more I was not even living in that home, i resided in XXXX for months before. 

Im sending a complaint to CFPB due to the companies inability to correct this painful hit to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
* XX/XX/21 - WELLS FARGO XXXX XXXX DEBIT {$11000.00} * XX/XX/21 - I resolved the issue with the attorney and he contacted Wells Fargo XXXX XXXX XXXX XXXX department, they provided him with the fax number and the attorney immediately faxed them a signed legal release to remove the legal order debit. 
* XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - The attorney re-faxed a signed legal release to remove the legal order debit the attorney faxed it directly to Wells Fargo XXXX XXXX XXXX XXXX XXXX * XX/XX/21 - WELLS FARGO confirmed they received the attorney 's legal release * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO confirmed they received the attorney 's legal release * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT * XX/XX/21 - WELLS FARGO DID NOT REMOVE LEGAL ORDER DEBIT WELLS FARGO EXPLAINED THAT IT '' XXXX XXXX & XXXX XXXX POLICY HAS NO TIME FRAME IN WHICH IT CAN OR WILL REALEASE CUSTOMERS FUNDS - THIS IS AN UNREASONABLE AMOUNT OF TIME. 

WELLS FARGO CONFIRMED THEY RECEIVED THE LEGAL DOCUMENT TO RELEASE THE FUNDS BACK TO THE CUSTOMER BUT THEY DO NOT HAVE ANY TIME FRAME TO RELEASE THE HOLD ON THE CUSTOMERS ACCOUNT. 
THIS IS AN UNREASONABLE AMOUNT OF TIME. 

* THIS POLICY HARMS CONSUMERS AND CREATES UNDUE HARDSHIP TO BANK CUSTOMERS. HOLDING MONEY FOR AN UNLIMITED AMOUNT WITH NO TIME FRAME TO RELEASE MONEY IS AN UNREASONABLE AMOUNT OF TIME. 

*ITS BEEN OVER A WEEK AND THERE IS NO TIME LIMIT ON WHEN I WILL GET MY MONEY BACK FROM WELLS FARGO. THIS IS ACCORDING TO WELLS FARGO XXXX XXXX WELLS FARGO BANK POLICY. 

REGULATION CC VIOLATION : ( Regulation CC ) sets rules on how quickly banks need to release your funds. 
If a bank places a longer hold on funds, it must give you a notice. The notice must give the reason for the hold and tell you when your funds will be available for withdrawal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1XXXXk XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CAPITAL ONE- XXXX XXXX XXXX Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-06-30 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SinglePoint GI
State: DC

Complaint narrative:
I have received several calls and voicemails ( this also happened to me 10 years ago - same exact message and calls reported ). Received on my cell and at work. " This is important message is from General Revenue Coporation from XXXX XXXX the LAW requires that I notify you that I'm calling from a debt collection company this not an attempt to collect a debt and any information obtained will be used for that purpose. Please call us back at XXXX XXXX. '' They called at XXXX pm on XX/XX/XXXX and left a voicemail on my cell phone They called again at XXXX XXXX on XX/XX/XXXX XXXX and left the exact same voicemail on my work phone and called my cell phone but did not leave a voicemail. 

I have not received any mail from this debtor. I would not like any more calls from this number. 

I sent them an email today asking them to send me a formal letter with the original debtor, amount, and no calls until I receive this letter within 30 days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
XX/XX/2021 in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sepreme Court # XXXX sent letter saying I owe a debt and his law firm was the collecting agency for One Main financial LLC. Both entities and company are in violation of Consumer Rights and 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had an Amazon credit card ( Synchrony Bank ) that was " hacked '' and they purchased XXXX worth of items. I did not purchase anything nor did I receive anything. If I did, I would have sent it back. This purchase was made back in XX/XX/2020 and I am still dealing with it today, XX/XX/2020. Since they have a zero fraud policy, I have yet to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My credit card account was compromised on XX/XX/XXXX at XXXX. My account information was changed, email address, password, and address. ~ {$550.00} worth of rewards points was used to purchase gift cards that were rush shipped for a {$10.00} charge to my account to an address in XXXX, AL. From speaking with Chase customer service it appears access was given to my account using the XXXX code as a 'security ' question. XXXX code is not a security question, it's on the card that is ostensibly compromised. This is gross negligence on the part of Chase that lead to my account and private information being compromised and incurring charges. It took me 4 hours and speaking to 7 different representatives to get this information. Throughout the call no one was able to tell me how my account was compromised and I was passed between departments forcing me to wait 30 minutes each time and starting over in my inquiry each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
This company which I have no contract with nor can they provide my signature for this debt is reporting a collection on my credit and I want it deleted from my credit reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: IN

Complaint narrative:
On XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me and my rights under the FCRA. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.

Company response to consumer: Closed with explanation