vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
XXXX Contacted by Select Portfolio Servicing Inc. ombudsman dept about a repayment approval XXXX New review opened requesting documents ; I submitted them on XXXX before receiving loss mitigation denial letters XXXX I initiated a third party call with a HUD counselor who witnessed SPS ombudsman stating that they would have to cancel any open loss mitigation reviews and remove any existing protection I felt helpless because prior to XX/XX/XXXX XXXX ; there were no specific details about any loss mitigation denials outside of the investor not extending a COVID forbearance ; the denied this because a conclusion of " income '' determined the denial. This is very unclear because I never denied receiving income. My hardship letter expressed how my medical expenses and distressed home repairs disrupted my budget to have money free for the mortgage. 

XXXX Third party call details included " an in-house repayment plan '' that had to be approved. Different parties like the staff changed the terms on each call like removing protection. I thought the department was already clear on what I qualified for before discussing this plan. 

The only option given was a six month plan appears to be a setup for failure and foreclosure. 

I don't feel like SPS was trying to help me save the home with an affordable plan. For example, during the six month plan on the sixth month they want a total to equal two monthly plans. 

XXXX after hours ; letters were generated. It was odd because I could see the title of the document " awaiting decision letter '' but it was not available until after midnight with a " denied '' decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: U.S. BANCORP
State: FL

Complaint narrative:
Due to Covid I requested and was granted an extension on payments however they would only grant or approve 6 months. Unfortunately I was without income for 14mos. However, when I requested more time PER THE CARES ACT GUIDELINES, US Bank denied the request. Instead they reported me for 4 late payments. I WAS paying but due to being without income they were not on time. I disputed this within US Bank and they denied the internal dispute. I believe US Bank completely ignored the Federal Guidelines set forth in the Cares Act guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Meridian Financial Services, Inc.
State: NJ

Complaint narrative:
MERIDIAN FINANCIAL SERVICES Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX was including in my XXXX bankruptcy however they sold account to meridian and now the item is on my XXXX credit file affecting my credit and it is on twice showing twice in debt. XXXX will not remove as the collection agency will not update. Please assist.

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 2021-08-18 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: FL

Complaint narrative:
Ive been a victim of identity theft, someone use my information to obtain Medical Care. The funny part is I dont live in the county where the care took place. XXXX XXXX XXXX ( XXXX XXXX ) Who Ive never done business with or entered into a signed contract has 5 bills listed on my report. The following accounts are fraudulent accounts and need to be blocked/delete from my report. 

1. {$770.00} XXXX XXXX 2. {$500.00} XXXX XXXX  3. $ {$350.00} XXXX XXXX 4. {$350.00} XXXX XXXX 5. {$79.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
InXX/XX/2021 my stimulus check was stolen by peers of mine. They then signed my check with my name and took the stimulus to a wells fargo atm. They then deposited the check into the atm and deposited my government check with my name only on it into an account which my name was not present on. Wells fargo is claiming no responsibility in the misuse of my stimulus in the amount {$5600.00}. I believe it is there job to protect me as their customer. Their system failed and allowed my check to be deposited into an account of another Individual therefore they are responsible.

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 2021-08-18 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: PA

Complaint narrative:
Disputed XXXX XXXX XXXX on my Trans Union credit file twice duplicate affecting credit and the original account XXXX XXXX XXXX was settled in my XX/XX/XXXX bankruptcy.

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 2021-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I wrote to the head clerk of the federal court about proceeds deposited in the courts register as unclaimed funds. At this point I made the court aware that I had filed identity theft with the federal trade commission and IRS Department of Treasury and a cancellation of frauidary. The court uploaded the documents that I submitted to them to the docket. Next, I received an email asking me to upgrade from NetSpend prepaid card which I acquired in a separate transaction when I put {$700.00} on it a couple of months prior to NetSpend All-Access. When I tried to activate the NetSpend All-Access Card I received error messages. I called NetSpeed to try and resolve the issues and was told that they could not and would not activate the NetSpend All-Access Card until the dispute that was put in on XXXX, some 93 days earlier needed to be closed. I put in a request to closed the reminder of two claims put in with NetSpend on that Prepaid card. The one other complaint was closed without any effort of my behalf! Today is the fifth day and third business day since I requested that NetSpend cancel this reminding dispute when they originally told me that it would take one business day. I reached out to XXXX XXXX  regarding my trouble with NetSpend and they let me know that the IRS/Department of Treasury had created a checking account with funds available to me. In the meantime I have had several attempts on my life. I would greatly appreciate it if you can see to this matter as quickly as possible.

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 2021-08-18 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
With my Citi card I paid on time and in full and the company is staying that the amount was not paid on time. It reflects negatively on my credit report even though the payment was paid before the due date. I have tried to dispute it and even uploaded supporting documents showing payment in full and they are still refusing to take it off my report.

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 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bilateral Credit Corp, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Bilateral Co Opened XX/XX/XXXX - {$670.00} Original creditor : XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Bilateral Co Opened XX/XX/XXXX - {$670.00} Original creditor : XXXX XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
Recently I was contacted by NFS regarding a collection account. I had no idea that I had not one but several accounts owed. I did not receive a notice stating the debt was placed for collections and after requesting validation of the debt have not received anything. Yesterday evening, my husband noticed something added to his credit. This office has listed my debt as a " joint '' account. Missouri is not a marital obligation state but they have ignored this and using tactics to collect that is appalling. I have contacted the AG of Missouri and will be contacting attorneys to decide what our next steps should be.

My husband has been garnished ~ {$8000.00} in the past 5 years with them refusing to validate the debt. We are told, " That time has passed ''. I'm assuming that they have added these as " joint '' accounts so they can go after his wages, again. I have always carried my own medical insurance and not once has my husband signed any type of agreement for responsibility for my medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I notified XXXX XXXX of fraudulent charges charges to my card by XXXX rental car for vehicle I was renting at the time. At first they removed charges than somewhere the added them back without my knowledge. I explained that XXXX  gave me permission to continue the rental than turned around and said they were going to arrest me if I didn't return car which I did. However they charged my card over 800 dollars and XXXX for fraudulent arrest warrant that I was never charged with. However at this point they charged off card was paid and sold to another company to collect debt I never owe, in an amount I never owed. Midland Bank. XXXX  website wont allow me to request Debt Validation letter from Midland Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
CashCall currently is reporting ; Paid as agreed for less than the full balance/Charge off. 
90 days late. 

This account was never 90 days late. 

How is it possible to go from paying on time straight to 90 days late/Charge Out They have been PAID IN FULL! 

I had borrowed {$2600.00} from CashCall in XX/XX/2015. 
I paid the loan for about a approximately for 19 months. 
When I asked about my balance, I was SHOCKED to I was shocked to find out that after paying {$200.00} a month for 18 month the balance ONLY REDUCED BY {$100.00} dollars. 

After the years of calling and disputing about how they were reporting. 

They told me that then will report paid in full if I paid a additional {$2500.00}. 

THEY ARE DISHONEST HUSTLING SALESMAN. 

My advise would be to stay clear find another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource Management has violated my rights pursuant to 15 usc 1692 ( b ) ( 2 ) ( 3 ) and 15 usc 1692c ( a ) ( b ). Credence Resource Management was not present for the initial contract between myself, and XXXX XXXX/ XXXX XXXX therefor Credence is in direct violation of my rights by contacting about this alleged debt. Credence Resource management has contacted me via phone daily in connection with this alleged debt, which is violation of 15 usc 1692d due to the fact I never gave Credence Resource Management consent to contact me about anything. Credence Resource Management furnished deceptive/negative forms and reported them on my credit reports, this has been very detrimental to my reputation as a consumer which is a violation of my rights pursuant to 15 usc 1692j ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 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: VA

Complaint narrative:
XXXX XXXX ruined my credit I was given a XXXX XXXX card by XXXX  XXXX by error. I supposed to get a XXXX Card not a XXXX  XXXX. The one they gave me had interest. The one that I was supposed to get had 0 interest for 15 months and gave you {$200.00} after you spend {$500.00} in 3 months. When I noticed the interest that they charged me, I reached out to XXXX XXXX and they said no problem they would fix it. I got disconnected and called back and then was told they would not. Now that I have put in my complaint, they have credited the interest and I cancelled the card and they told me to reapply for the card that I wanted from the beginning. 



It turns out that the XXXX XXXX card that I had closed several months ago with a XXXX balance had incurred interest after I closed the account. I spoke to a very nice lady at XXXX XXXX who said I'm sorry let me reverse the interest and I will send a letter to the credit bureaus and I will send you a letter saying that the account is a XXXX balance. In the mean time XXXX XXXX has turned me down because of the derogatory credit from the XXXX XXXX card that they neglected to tell me about neither by email or with a phone call. My XXXX credit score turned into a XXXX score and XXXX turned me down for the card that I was originally supposed to receive. 






Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: T.S. Holdings
State: FL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I.C. System, Inc. has violated my rights pursuant to 15 usc 1692 ( b ) ( 2 ) ( 3 ) and 15 usc 1692c ( a ) ( b ). I.C. System, Inc. was not present for the initial correspondence between myself, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX, therefor I.C. System, Inc. is in direct violation of my rights by contacting about this alleged debt. I.C. System, Inc. has contacted me via phone daily in connection with this alleged debt, which is violation of 15 usc 1692d due to the fact I never gave I.C. System, Inc. consent to contact me about anything. I.C. System, Inc. furnished deceptive/negative forms and reported them on my credit reports, this has been very detrimental to my reputation as a consumer which is a violation of my rights pursuant to 15 usc 1692j ( a ).

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 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/21 I visited the XXXX XXXX. The clerk assisting that day was not only the clerk but also the owner and manager. He was having computer issues that day and after seeing a decline on the machine he stated he would be rerunning the transaction. After several minutes he then stated that the transaction went through but was unable to provide a receipt due to the computer issues. Later that evening I noticed that the one transaction of {$35.00} that I authorized was actually charged 4 times, 3 times I did not authorized. I immediately contacted CHASE and disputed the charges. On XX/XX/21 CHASE informed me that they reversed the charges because they state I authorized the charges. I contacted the XXXX Store who confirmed he only received one payment of {$35.00} and he confirmed he did not receive 4 payments but he stated he is unable to provide me with his banking records and he advised me to contact CHASE who he said should reach out to him and he could provide records to CHASE, just not me. I contacted CHASE again and gave them this information and they said they don't contact merchants but would open the dispute case again with the updated information. They again denied the dispute stating I authorized the 3 additional charges of {$35.00} but they are refusing to contact the merchant who has confirmed he DID NOT receive 4 payments and he DID NOT authorize 4 payments, he only received and authorized 1. CHASE is refusing to contact the merchant and refusing to process this dispute when I have confirmed that I did not authorize these 3 duplicate and fraudulent charges.

Company response to consumer: Closed with monetary relief