vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate info on my credit file.The account in question is XXXX XXXX XXXX. The late payments are erroneous because of identity mismatch. This account is being confused with a relative with the same name at a different address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
Keep getting repeated phone calls from ERC out of XXXX, TN, phone # XXXX XXXX XXXX XXXX XXXX. 

I have blocked there number but they keep calling on different numbers. I have told them to remove my number but they say the do and start calling back the next day. I get at least 3 phone calls a day from this company. I have submitted my number to the do-not-call registry and they still call NON STOP at all hours of the day. 

They hang up the phone while I am mid sentence asking for more information about their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
WARNING. Acct numbers XXXX. Was CHARGED OFF from orginal creditor XXXX XXXX XXXX. MDS can NOT collect a debt from an already CHARGED OFF account. If MDS dont own the account they can't collect a CHARGED OFF debt not owed to them. Please remove this off my credit report immediately. I will seek my state and the state of Florida attorney general if not removed 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 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am a member of Class Action captioned XXXX vs. XXXX XXXX XXXX  and they have just settled for {$91.00} XXXX which covers my mortgage account number XXXX transferred from XXXX to transferee servicer Shellpoint/ New REZ Financial. Now Shellpoint has chosen to propound the XXXX violations committed during my loss mitigtion application, which now Shellpoint is interfering with " interest padding '' of over {$280.00}, XXXX above the unpaid principal balance of {$510000.00}, and by dishonoring a SNPO ( short note payoff ) approval in the sum of {$20000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a used vehicle XX/XX/2015 and made XXXX of the XXXX payments required to pay off the car unfortunately the vehicle fell apart literally and could not even be traded in toward the purchase of a new vehicle from the same dealership WITH THE SAME FINANCE COMPANY. I voluntarily surrendered the vehicle in XXXX XXXX my credit report actually showed this information. I requested a current report as suggested in COVID19 and found that the car is showing as VOLUNTARY SURRENDER THERE MAY BE A BALANCE DUE : FIXED RATE AND THAT THE STATUS HAS BEEN CHANGED TO 90-119 DAYS LATE. JPMCB auto finance has sold the balance and once again trying to charge even more money for the car. WHICH THEY PICKED UP AND SOLD AT AUCTION- the payment when I had possession of the car was {$280.00} monthly my credit report is now showing {$790.00} PAST DUE ON A VEHICLE I NO LONGER ON AND WAS RETURNED TO THE COMPANY AS REPORTED BY JPMCB AUTO FINANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I noticed a new debt on my credit file from PHOENIX FINANCIAL SERVICE located at XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX for a medical debt. When I called on XX/XX/XXXX, they stated it was for an ER doctor dating back to XX/XX/XXXX! I asked for an exact hospital info but I was told that it would be mailed to me. As of today 's date I have not received anything. I contacted them again, but still no help and I was told it will take up to 60 days to get the letter. In the meantime, I am stuck with this on my credit file without being able to resolve the matter. I am a XXXX vet and have had medical coverage for many years, I would have reported this to any hospital or doctor I visited, but I can not call anyone about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CITIBANK, N.A.
State: DC

Complaint narrative:
Best buy Citi Bank is retaliating against me due to my XXXX  and social security income. 

As stated in there letter I'm not receiving any Billings. 

Due to my XXXX and social security income. 

I disagree with Citibank regarding the balance on the account. In addition I have requested a dispute regarding the transaction under Fair Credit Billing Act in XXXX regarding the transaction. Citi best buy took no action because of the coronavirus. 

The transaction is not valid and Citi Bank has refused to conduct an investigation under the Fair Credit Billing Act. 

This is a discrimination against Rev. XXXX XXXX XXXX due to his XXXX and social security income. 

The transaction they are trying to collect was never received or made by me. The transaction was dispute with Citibank along with another fraudulent transaction. 

Please remove any negative report from my credit report regarding this account. 

The transaction is not valid. Citi Bank is refusing to proceed with arbitration under the term and conditions.

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 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE Financial Services keeps trying to collect money that I have already paid to XXXX XXXX back on XX/XX/XXXX. I have sent copies of the cashed check from my bank to both CMRE Financial Services and to XXXX XXXX on XX/XX/XXXX, but I just received another collection for the same service. XXXX XXXX read a CT scan on me on XX/XX/XXXX and they sent me a bill for {$110.00} on XX/XX/XXXX. I paid it on XX/XX/XXXX. Neither company will acknowledge that I provided copies of the cashed check. CMRE continues to send collection notices and I'm receiving phone calls from them also. I just mailed a certified letter to CMRE today with more copies of the same information that I sent them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have had a " Banana Republic Luxe '' card since XXXX. It is a store charge card that does not expire, and it was issued by Synchrony Bank ( card number begins with XXXX ). In late XX/XX/XXXX, I received a VISA credit card that is also labeled as Banana Republic Luxe, and issued by Synchrony Bank. This is an actual VISA card, not a store charge card ; it shows an expiration date of XX/XX/XXXX, and has a completely different account number ( begins with XXXX ). 

I am furious that Synchrony Bank would choose to issue me a VISA card, when I never applied for one, especially a card that can be used anywhere VISA is accepted.

I called Synchrony 's customer service on XX/XX/XXXX to inform them that I never applied for a VISA credit card, and they said the company has upgraded me because of my loyalty and points earned. I asked them to close the VISA account, and they did. I asked for written confirmation that this account was closed, and was told they could not send me anything in writing, and that the call was recorded and would be confirmation of the account closing. I am furious that they also would not provide me anything in writing confirming that they have closed the account, and I'm furious that they would issue me a VISA credit card without me ever authorizing or requesting one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TN

Complaint narrative:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Auto is reporting late notations on my credit file for the year of 2020. Due to Covid and the events that unfolded I suffered financially. Towards the beginning of the year when they began to implement all this stuff for Covid my employer wanted to be safe and ended up cutting business hours, and cutting everyone 's hours for that matter. During this time, I ended up contracting Covid and was out of work for 2 weeks and it set me back even further. I am asking that Capital One Auto makes a one time good will adjustment for my 2020 lates. It was a very difficult year but I hope that these lates being removed will help me moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
my students loan are reporting late payments back in 2015 however i was never late disputed with the credit companies XXXX XXXX and experian i seen no proof ive sent in proof and it still reporting late payment on my credit which is keeping me from getting approve for a home loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
my students loan are reporting late payments back in 2015 however i was never late disputed with the credit companies transunion XXXX  and XXXX  i seen no proof ive sent in proof and it still reporting late payment on my credit which is keeping me from getting approve for a home loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
my students loan are reporting late payments back in 2015 however i was never late disputed with the credit companies XXXX  equifax and XXXX  i seen no proof ive sent in proof and it still reporting late payment on my credit which is keeping me from getting approve for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is reporting a late on my credit file for the year of 2020. Due to Covid and the unforseen events surrounding the entire pandemic I suffered financially. In the beginning when it first started my job ended up cutting business hours and that ultimately affected me. The entire year was just an absolute mess regarding my finances but I did my very best to make sure I was paying my dues. I do realize that I was late but I am asking America First Credit Union to please make a one time goodwill adjustment for the 2020 late notations. It was a very difficult time and I wish it could have been avoided. This would be of great help to me as I am not getting back on my feet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have contacted TransUnion several times explaining that incorrect information is being reported in my name. I have never filed for Bankruptcy and I am asking that this information along with all the accounts saying included in bankruptcy be deleted & blocked from my credit report. I have sent information along with a letter from the courts saying that they do not verify or report to any credit bureau. Please delete this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate info on my credit file.The account in question is XXXX XXXX XXXX. The late payments are erroneous because of identity mismatch. This account is being confused with a relative with the same name at a different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I am having a financial hardship due to COVID-19. I Requested a FHA COVID-19 Forbearance for my loan payments, but did not get a reply regarding the FHA COVID-19 Forbearance UCC 1-308 All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: MI

Complaint narrative:
theres a hard inquiry on my equifax credit report thats fraudulent Ive never apply for XXXX  XXXX on XX/XX/2020 please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have contacted Experian several times explaining that incorrect information is being reported in my name. I have never filed for Bankruptcy and I am asking that this information along with all the accounts saying included in bankruptcy be deleted & blocked from my credit report. I have sent information along with a letter from the courts saying that they do not verify or report to any credit bureau. Please delete this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TX

Complaint narrative:
These accounts are not mine. Please check and investigate the origins of these accounts. I do not recognize them at all but I am tired of this situation. Why does it take so much time to do something towards my situation? Its not fair at all that I have fake accounts in my own profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TX

Complaint narrative:
These accounts are not mine. Please check and investigate the origins of these accounts. I do not recognize them at all but I am tired of this situation. Why does it take so much time to do something towards my situation? Its not fair at all that I have fake accounts in my own profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested my Citibank checking/savings account closed ~May of XXXX. Since that time, I have communicated with citibank almost monthly ( and ~ bi-weekly since XXXX XXXX ) regarding my missing funds ( ~ {$1600.00} XXXX which were to have been returned to me back in XXXX. 
Every time I call I have to try several options to get an agent, since I never received my account paperwork and thus do not have an account number. I do however provide my SS # which their auto system does not recognize, but when I finally get a service agent & they do some research, they indeed find my account. After long holds, repeating my story, etc. they agree to look into the matter further/get my refund mailed and state they will call me ; they never have. Additionally, when I call they have problems finding any records or notes from previous calls ( possibly due to being overseas? ). This is very frustrating and results in long explanations, holds, etc. Apparently Citibank service center in XXXX XXXX, TX processes these refunds and I have even offered to drive there to retrieve my check. Each time however, my call ends with them promising to put in a ticket to the " back office, '' and escalate my matter to no avail. A few times they have said " check is on the way, '' but never has been. 

Background : I had opened this account online prior to a XXXX and initially funded the account with the ~ {$1600.00}. I never received the hard copy bank documents as I was out of the country when they were sent. Citi says they sent them and tried again, but the friends we had staying in the house said nothing ever arrived. I then gave Citi a forwarding address to which I later was told ( in Fall XXXX XXXX that i had to submit an official letter stating that they could send the check from the closure to the new address. I faxed to the number they provided and Citi stated they never received, however I also mailed it. After a few attempts they confirmed they received the mailed copy. That was approximately XX/XX/XXXX. Since that time they said all was good to go, and it will take 10-15 business days for the check to arrive. I even received an " updated address '' letter from Citi at the new address. Yet, after each call, I wait and the deadline passes ; I go through the same rigamarole again/call and they either have stated there was a glitch, or it was input wrong by an agent ... and once again, they will escalate to " the right department. '' This last time, XX/XX/XXXX, they promised once again they would " personally '' call me back. And of course, again, no call, no check. I have spent hours of my life dealing with this fumbled closure and disregard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
XXXX has called multiple times trying to collect a debt from someone who no longer has my phone #. I have had this # for almost 2 years now. I want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Account has been closed since XX/XX/XXXX. It is now XX/XX/XXXX and every time I call, I am told to continue to check the mail for the returned funds without any definitive answer of a check # or an amount that is being returned. This is a large amount for me and it is severely affecting my personal and business life. I need the funds returned 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