vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I have called Amerihome at least 15 times over the span of XX/XX/XXXX - XX/XX/XXXX to receive my escrow refund for school taxes in the amount of {$3500.00}. I refinanced my mortgage with another company " XXXX XXXX  '' and they collected my school taxes at closing and they were recently paid to the school tax collector. When I refinanced, Amerihome claims they sent my school taxes to the tax collector. I spoke with both the township tax collector and the school tax collector and they claim they never received my school taxes. The school tax collector also stated they would not accept early payment of taxes anyway and the money would be sent back. My escrow disbursement for school taxes occurred on XX/XX/XXXX and Amerihome will not provide me with any additional information on where they sent the taxes other than claiming it was sent to the school tax collector. Clearly, they did not send the monies to the proper party or they still have the funds. Amerihome has to be the most incompentent company I have ever dealt with in my life. Every time I call I get a different answer from a representative and they refuse to put me in contact with a supervisor to attempt to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello, I have been trying to get an answer from fed loan servicing for over a year on the following issue. The payment window of XX/XX/XXXX I made a payment but FedLoan servicing placed my loan on forbearance based on national standards that month. Over a year ago I inquired about this and Fedloanservicing offered to remove the forbearance and then count my payment towards the PSLF loan payment count for a qualifying payment. I have called in once every few months since then and was told many months ago that they processed the forbearance removal but they havent counted the payment yet. I am trying to get closure on this issue before Fedloanservicing hands over my loans to the next loan servicer at the end of XXXX. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent several letters to Equifax, I sent them all my personal documents required by Equifax, Equifax stated that they can locate my file ( letter attached ), They have sent me credit reports to me before, how cant they locate my file.?

They ignored my request. Request attached with this complaint/ Pursuant 15 U.S.C Sec 1681a ( 3 ) Identity Theft and ( 4 ) Identity Theft Report. Having inaccurate addresses and with the amount of identity theft going on, I'm very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate. Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports. ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave Equifax any written consent to report these inaccurate old addresses or erroneous information in my consumer report, No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I am encountering extreme delays using Coinbase. I was told that it would take 9 days to purchase Bitcoin from my bank account. This is quite a long time in the Bitcoin environment. All transactions that I have done that lost money from sending and receiving have gone through immediately. My last transaction, Coinbase added a 3 day delay, even though I have 2 factor authentication, which is supposed to protect my account. I see no reason for the delay except the company trying to gold the coins they are unauthorized to do. There is no response from the company. The say they need me to verify my identity... When I try to verify my identity, it always fails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB
Contact
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2021-10-14 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: CA

Complaint narrative:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

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 2021-10-14 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: CA

Complaint narrative:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MA

Complaint narrative:
I am a co signer on loans for numerous in my daughters name XXXX XXXX. I am paying the loans. They are saying I am in default. I am not. My customer id is XXXX. My email is XXXX. I want to file a complaint against XXXX XXXX. They refused to connect or name the manager of the ombudsman. I do have a XXXX which, under stress causes XXXX XXXX XXXX. I have been paying the payments and they keep sending me default letters. This in turn has my ex-wife taking me to probate court. I have documentation from Sallie Mae that I have been accepted into a re-payment program as I am the cosigner and did not expect to have to repay the loans in full. Today I spent 1.25hrs on the phone and spoke to 5 different people. Their errors is reflecting on my credit as well and they refused to write a letter correcting the problem. I would have never signed for loans, that were not Federal and XXXX XXXX accepted PPE money. I need help please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal emailed me there was an unrecognized login from an XXXX I have never had out of Texas. I live in IL. Before verifying it was me, they allowed 3 overseas payments to be sent. When I got the email, I changed my password, tried disputing the charges and they would not allow it because it was sent as friends and family. I tried again and they determined in that dispute that no unauthorized activity had occurred. They will not refund my money. Ive cancelled my debit card, removed the old debit card, changed passwords twice. PayPal is supposed to be SAFE and instead they are anything but and refuse to uphold their secure promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I asked Fifth third bank to investigate certain irregularity regarding a credit card account. 
The Bank replied in a letter ( see attached ). They informed me, that I am " responsible for this account and any payment due ''. 
This would apply if it was my account or a joint account. 
However, the owner of this account is my ex-husband. My name is shown as 'User ''. ( see attached printout of the Bank 's internal document ). 

Just a small detail : The owner re-opened this account ( XXXX XXXX ) after years of inactivity, he did not name me as authorized user. The Bank did not send me a card for this account. 

Authorized user - is someone who is approved to use the credit card, but is not responsible for the credit card balance. 

So, the Senior Vice President of the bank ( he signed the letter ) is holding me responsible for something he simply can not. And he should know it. 

This account was provided to the credit agencies, which drastically decreased my credit score, because the owner of the account failed to make payments.

Because of the drop in my credit score, Fifth Third Bank drastically reduced my credit limit on my own credit card, even though I always keep low balance, have no late payment and always pay more than the minimum monthly payment.

My credit score before the Bank falsely reported this account to the credit reporting agencies, was : XXXX : XXXX XXXX : XXXX XXXX : XXXX. 
Now my score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( Bankruptcy Chapter XXXX ( 2 ), XXXX, XXXX, XXXX , XXXX, XXXX XXXX , XXXX XXXX, XXXX/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: OH

Complaint narrative:
I recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC 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 2021-10-14 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: I.C. System, Inc.
State: MA

Complaint narrative:
I tried to contact the lenders they said they could not do anything as the accounts were sold off to debt collectors even though they did not belong to me, They said to contact XXXX and have them removed. I did exactly that now I need to put in the report to block the lenders from reporting someone else 's information onto my credit 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 2021-10-14 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: OH

Complaint narrative:
I recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC 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 2021-10-14 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: OH

Complaint narrative:
I recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the XXXX XXXX XXXX account from my credit reports with Equifax several of times, 10 to be exact. It is reporting as an authorized user account and I have never authorized or approved for this account to report to my credit report. Meaning Equifax had no permission to report it either. This is not my account. I have never applied for a XXXX XXXX XXXX account. This account need to be deleted from my credit reports. 
And before Equifax tries to stall the investigation here is the account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I tried to contact all the lenders involved with negative balances reporting on my credit report even though they do not belong to me, They sold off the accounts and they said to call XXXX and dispute saying they can't do anything. I would like all these negative collections removed because they are not in my name and I have no recollection fo opening nay of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I applied for XXXX XXXX XX/XX/2019 and never used it but was charged. I have dental insurance and my insurance paid for most of it. I paid my part, and I have proof. I have mailed a letter to the Resurgent asking for verification of the amount and I didn't get it. Also, I sent a letter to each of the credit reporting agencies to verify the debt amount. And I didn't get anything that proved that I owe them. I have the original bill from XXXX it shows the amount I paid. And I recently got a letter from XXXX XXXX XXXX XXXX , XXXX for the same bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX I disputed the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX , XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA. Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts 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 2021-10-14 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: IL

Complaint narrative:
On XXXX XXXX I disputed the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX , Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
The Credit Management Company has billed me for a past medical expense. It was an unfair and surprise expense, but since it was only {$20.00}, I just paid it instantly. Months later, I'm still receiving phone calls and voicemails every single day from them. One of their many numbers are XXXX ( XXXX ) XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

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 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
On XX/XX/2021 collection company name receivable management Se, reported the amount of {$920.00} on my credit file, when I contacted the company they did not had my correct information like my address and phone number and they told me the amount is forcar insurance charges which I never had. 
I explain them I do had place fraud alert on my credit file since XX/XX/2021 as I was seeing someone trying to obtain credit using my information as I was seeing all the inquiries on my credit file so I decide to pick my file and put fraud alert. They said as the information is not matching with your address and phone number we will investigate but they did not remove that account from my file yet. 

I request please investigate the matter and and ask the company to immediately remove the account from my credit file thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Spoke with XXXX XX/XX/XXXX Carrington customer service about my forbearance request and documents that was emailed, faxed XX/XX/XXXX and XX/XX/XXXX. XXXX she was rude and hateful. Documents that were sent was requesting a Covid-19 forbearance and my burrower authorization. I was told they were received XX/XX/XXXX but were not uploaded to my file. I explained to her I had received intent to foreclose from Carrington. and I needed my request to be processed. I was affected by covid-19 and now I'm XXXX.

Company response to consumer: Closed with explanation