vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
Self Lender is a scam company and I'm in the process of taking legal action if this can't be resolved amicably. I at one point had both the lending account and the credit account. In order to qualify for the credit account you have to have 1 ) good payment history and 2 ) a certain amount " saved '' to " secure '' the line of credit. All in all ; all my money. Though I tried to hang on covid ran my business into the ground! I realized it was too much and I closed both accounts. On a recorded line ; their representative offered to waive my late payment fees, apply my existing savings, and XXXX out my account as a courtesy. On top of that ; they sent me a check for XXXX meaning with the credit there was still a positive balance.I decided to try again with a new smaller account and come to find out ; they been charging me late fees for MONTHS and reporting me for having missed payments. I told them via email this conversation took place with my XXXX and that they should run the call. I say this so they can fix this before it becomes huge. They blatantly ignored me.

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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/2021 To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. TRACKING : XXXX Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, 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 accounts : 1 ) XXXX  Card XXXX 2 ) XXXX  Card XXXX As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/2021. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 51 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto no later than 14 days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court.

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: NY

Complaint narrative:
I am contacting the CFPB for help as I am worried about my home going into foreclosure and the mortgage servicing company is not being reasonable. My loan became delinquent as of XX/XX/XXXX when I, XXXX XXXX became ill having XXXX issues and unable to work. In XXXX, the doctors were not testing for XXXX but I had all the symptoms. Selene Finance put my loan on a forbearance through XX/XX/XXXX and told me they could not extend the forbearance any further. My wife and I paniced knowing we did not have the funds to reinstate the arrears nor could we afford to resume making our regular monthly payments. My wife was working two jobs but it was not enough to cover the household expenses on her own. I managed to find new employment and we applied for mortgage assistance with Selene Finance. After being in review for some time, they offered us a six month trial modification starting XX/XX/XXXX increasing our payment from {$1800.00} to {$2200.00} which is an increase of {$420.00}. They increased our rate of 4.5 % to 6 % then amortized the loan over 40 years but due in 30 years. They even shortened our current maturity date which was XX/XX/XXXX. This results in a balloon balance owed at maturity in the amount of {$120000.00}. 
It seems to be Selene Finance is taking advantage of this situation and putting me in an even worse hardship. I questioned why, being my property is in New York, why I am not being offered the three options under New York Banking Law 9-X with one of the options would be to extend the maturity date by the number of months on forbearance. They said the investor on the loan was not offering this. I am confused as to my understanding, this is a state law.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Customer reached out to Mr. Cooper in XXXX of XXXX due to an employment change during the Covid Pandemic. The Mr. Cooper representative suggested a loan modification, so he started the process. The forbearance was from XXXX - XXXX of XXXX. He was assured on multiple occasions that the mortgage payments would not be reported as late/past due because of this process.

Mr. Cooper sent closing documents on 4 separate occasions because they kept sending incorrect information. Mr . Customer was also told they could not find the documents that were sent back even though XXXX confirmed they were delivered and Mr. Cooper cancelled the modification making him start over again. Mr . Customer followed up with them on multiple occasions to have the process completed and this never happened. He finally gave up on the process after almost a full year of trying to complete it abiding by their terms. 

He made the following payments to catch up the payments : XX/XX/XXXX : XXXX XX/XX/XXXX : {$12000.00} XX/XX/XXXX, {$1300.00} XX/XX/XXXX, XXXX Mr . Customer 's ex-wife Customer 2, is still on the mortgage and signed all the documents Mr. Cooper requested. On XX/XX/XXXX, she received notification from XXXX  that her credit score had dropped ( substantially, over 100 points ). The credit report from XXXX is now reflecting over 120 days past due with Nationstar/Mr. Cooper and a past due balance of over $ XXXX. 

We are asking that Mr. Cooper/Nationstar please contact all 3 credit bureaus for each of us to have these late payments corrected and the past due balance removed since this is the negligence of Mr. Cooper/Nationstar not holding up their promise. Customer 2 works in the XXXX XXXX, and this could severely impact her employment if not resolved quickly. Mr . Customer 's employment is also impacted by a negative credit score. 

I have copies of the payment history, along with the negative bureau report for customers if needed. Customer 2 called Mr. Cooper/Nationstar on XX/XX/XXXX and was told that loan modification negatively impact credit and no help was given even though that is not was previously disclosed at the beginning of the process.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent

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 — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
there are inquires on my credit report that I never seen or authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had 3 fraudulent charges on my Citi card which I disputed on XX/XX/2021. The first 2 fraudulent charges Citi resolved and credited back to my card. The 3rd charge for {$250.00}, which went to a XXXX account, Citi said they needed to investigate. 

On XX/XX/XXXX Citi reached out to me with a response from the vendor and said I needed to sign a form saying I did not benefit from the transaction and it was not authorized by myself or anyone authorized to use the card, which I signed and returned on XX/XX/XXXX.

As I check my Citi account, there is a message dated XX/XX/XXXX saying that Citi has concluded they're investigation and found I'm liable ( apparently the vendor provided a fraudulent receipt and Citi didn't ask me for any followup regarding the misinformation on that receipt ). 

I'm baffled how Citi can conclude I'm liable before I had even sent back the affidavit affirming that I didn't make this charge, and without following up regarding the receipt the vendor sent which lists an email that is not mine, a fake receipt web address, a fake storefront web address, and a purchase for " furniture '' from a store in Michigan while I'm in Pennsylvania and there is no shipping or tracking information. 

Citi has reapplied the {$250.00} charge to my account which is showing on the outstanding balance. I will not be paying this amount, and am seeking resolution from Citi.

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: LoanCare, LLC
State: CA

Complaint narrative:
There is an active account on my credit report which is not correct. 
Loan care servicing shows that I have a {$500000.00} loan with them and my account is current and I have been paying them every month. 

They say XXXX XXXX XXXX  never informed them that my loan was sold to another company. 

Right now my Credit report shows two loan for the above amount. 

I called them a few times and each time they promise to take care of it and nothing happens. 

They told me that this account was closed in XX/XX/XXXX but still shows on my credit report as open account. 

I asked for a letter that states the statues of my account and they told me they will send it in 48 hours, it has been a month and I haven't received anything from them.

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: FL

Complaint narrative:
On XX/XX/XXXX I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I DID RECEIVE A RESPONSE HOWEVER, IT DID NOT FIX THE EXISTING PROBLEM. I WOULDN'T BACK DOWN REGARDING MY DISPUTES TO SHOW ALL OF THE INACCURACIES AND DECEPTIVE PRACTICES OF THESE CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/2021 I had a construction Dumpster set at my son 's house. I asked for removal they moved it 3 days later then XX/XX/2021 a over charge was put on my card. I canceled card and disputed charge. Rolling balance carried to new card. They were paid. After arguing I decided it was a aste of time and paid the charge. Then with remaining balance I paid my card in full. Balance was XXXX. Dispute people decided that it was a legitimate charge and put it on my card. They refuse to do the simple math and see that the charge was paid and balance was also paid they put it on cause it was legitimate but I had paid it. Customer service agrees with me but dispute with exceptions to 2 individuals also aree.this has gone on for over 4 months and they are damaging my credit and compounding charges. It's not the money it the principal. I don't owe it. I even tried to make a deal to pay it off even though I don't owe them. They refused that also. I am a XXXX XXXX veteran and it is a tremendous strain on me in XXXX way thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Social Finance, Inc.
State: FL

Complaint narrative:
XX/XX/2021 I been waiting on an answer to receive my cash and they dont have a date to give me

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: NY

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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: Chime Financial Inc
State: NY

Complaint narrative:
My Account has been locked due to my weekly unemployment benefit I'm currently receiving from the State of New York. I've attempted to resolve the issue with Chime & have my account unlocked but all my efforts have so far proven abortive. I've provided Chime with my Unemployment Benefits Approval Letter, State ID as well as Proof of Address as of XX/XX/2021 but Chime has refused to unlock my account. Please kindly assist me in unlocking my account & retrieving my trapped funds being held up by Chime. 

Such actions by Chime constitutes a clear violation of Banking Laws. If Chime continues to lock my Account, I'll have no other option but to file a Lawsuit against Chime at the United States District Court for the XXXX District of New York inorder to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
Dates from XX/XX/XXXX to XX/XX/XXXX. They have refused to give me my money back! I have called them on XX/XX/XXXX, on XXXX XXXX and XXXX, 2021. I am getting no relief from them.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report accounts that were discharged XX/XX/2021 in my Chapter XXXX Bankruptcy case as accounts that are charged off and collectible. These accounts should not be reflecting a balance because these are discharged debts I am not legally obligated for. You continue to report some XXXX az address too which Ive definitely never lived at XXXX XXXX XXXX XXXX XXXX, AZ XXXX is not my address. Why is it being listed on my credit file? Additionally you allowed hard inquiries from XXXX XXXX XXXX XXXX and XXXX  XXXX I didnt authorize either of these and my credit file is locked. See the attached documents for the discharge papers.update the credit accounts accordingly.

Company response to consumer: Closed with explanation