vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
A counterfeit check for the amount of {$5500.00} was cashed from my checking account on XX/XX/2021. I did not notice till XX/XX/XXXX due the disruptions caused by COVID. When I finally reached a representative at the Regions Bank Priority Banking Services it was XX/XX/2021. The representative explained the process and told me to fill out the claim form that he would email within 24 hours. He clearly stated when I asked him that I was within the timeframe to file the claim and that I should not worry. 

I filled out the form ( which was sent again on XX/XX/XXXX in a different format ( Regions Check Fraud eSign system ), talked to the branch manager ( XXXX XXXX ) who told me not to worry that the money would be back in my account, and signed the electronic form and sent it by XX/XX/XXXX. 

I had not heard from the fraud department so I called today and a supervisor ( XXXX ) told me that the claim had been denied because I had filed it after the 30 days from the day of the counterfeit check being cashed. This was not the information I was given by three other Regions Bank representatives. 

The fraud with the counterfeit check was done by someone who knew about my checking account at Regions Bank- and that would be someone working at the Bank.

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 2021-10-06 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: Advanced Resolution Services Inc.
State: WI

Complaint narrative:
I have been battling with ARS and XXXX since XXXX regarding their refusal to 'freeze " the consumer report they each have on me, which per the FCRA I am entitled to do. I have also been battling with them regarding a Bankruptcy they each have listed within the consumer profile they have on me. 
XXXX and ARS both claim they can not and will not freeze my consumer information. Furthermore, I believe they have committed fraud to violate the FCRA and violate my consumer rights. 
When first addressing the Bankruptcy they have listed, they first claimed the information came from XXXX and XXXX XXXX. Upon notifying them that XXXX XXXX did not have a bankruptcy listed they then claimed the furnisher was XXXX. XXXX maintains the information/furnisher is XXXX. 
When pressed further, each company claimed that the information came from the other. With each piece of evidence I sent to them, proving that their verification and supposed furnisher was false, I would get a different excuse which violates the FCRA to delete if the item disputed can not be properly verified. 
Most recently both ARS and XXXX both claim that now the information and/or furnisher of said bankruptcy came from the Courthouse and/XXXX. I proved this was not true by contacting the Courthouse and XXXX. I have letters and email from each entity claiming they do not report to third party reporting agencies nor do they report to credit bureaus. Furthermore neither XXXX or the Courthouse confirm a Bankruptcy. I also have an email from XXXX stating they do not list anyone 's full social security number. 
However XXXX and ARS both maintain the Courthouse and XXXX as the verification and furnisher. This is after all of the previous different entities they falsely claimed were the furnisher. ARS further violated my consumer rights by sending me a supposed voluntary petition that they fished from the XXXX XXXX which is not a legal form if verification since I have the email from XXXX stating full social security numbers are not listed in their system. Furthermore, fishing of information that can not be verified violates the FCRA and my consumer rights. A Bankruptcy can not be verified when neither the courthouse or pacer report to agencies, do not confirm information and do not list full social security numbers. 
XXXX has lost several lawsuits recently for these practices I've mentioned. ARS and XXXX must comply and follow the law, yet they are not doing so. If XXXX is working with them or paying them then they should be held liable as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2021 I XXXX XXXX made a payment to Synchrony Bank in the amount of {$240.00} and their claiming that they never received the payment in questioned, On XX/XX/2021 Synchrony Bank did an upgrade on their system which put everyone in a pickle I was told on that date when I called in by one of their associates. On XX/XX/2021 Synchrony Bank requested a payment of {$240.00} and we only owed them {$29.00} for the month of XX/XX/2021. Well, a check was mailed out in the amount of {$240.00} and was returned before it even hit our bank ( XXXX XXXX XXXX ) I sent the documents in showing where the check was returned and I was told that the check cleared and the money is in my bank account. Even with the documents sent in Synchrony Bank is still claiming that we owe them this money. We have all documentations if needed to present to whoever needs it. My wife and I are under such duress can someone help us please with this. And my Bank ( XXXX XXXX XXXX ) is also stating that they would help us if need be. But this bank ( Synchrony ) is not budging.

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 2021-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: NJ

Complaint narrative:
I have been waiting results from Fed Loan Servicing for PSLF qualification of a prior employment for a number of months. Said employer most definitely qualifies for eligibility and former colleagues from this employer have recently been qualified. All required paperwork ( forms sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc ) has been filed on my behalf. Phone calls and emails have been placed ( XX/XX/XXXX ) by this employer as well as by myself however to no avail. Attempts to speak with someone directly have been futile and simply result in automated messages with recorded advice to visit the website which only perpetuates the vicious cycle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
During the months of XXXX and XXXX I have disputed online and mailed in disputes by Certified Letters. I have been disputing the inaccuracies found on my report and I keep getting the same generic messages that this account has been verified. I have never received proof, or sources used on how these accounts have been verified. I have alot of inaccurate information on my credit report. I have a bankruptcy on my Experian report but on my XXXX it was removed. I have 7 collections on my Experian report but XXXX removed the same collections. So how are the same collections and Bankruptcy being removed from another credit report agency because of an inaccuracy but Experian states that these items in question have been verified.

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 2021-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I have sold my home and paid off my loan with Carrington in 2020. I need my past escrow statements but they are not sending them to me. The past 4 days I have been calling them, talking to a Customer Servis representative and each time they tell me it will be faxed in one hour.

I need those documents NOW. Just today I talked to a supervisor who promised their delivery, ASAP. 5.5 hours later, I still dont have them. This is a company that should not service people, because they are not capable. Theyd tell you what you want to hear, just to get rid of you. They dont have the digital technology in place either. Representatives are not able to pull data/documents, another department has to dig them out. As if they are still living in the 19th century and information technology has just been invented. 
I want my documents, that belong to me. Urgently!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: LEXISNEXIS
State: MI

Complaint narrative:
I am filing a complaint against XXXX regarding an inaccurate credit reporting on my XXXX Credit Report. They are reporting a bankruptcy which was reported to them by LexisNexis. This was totally wrong and I contacted LexisNexis right away to get this corrected. As of XX/XX/2021 LexisNexis deleted this inaccurate bankruptcy from my records. After this was deleted I immediatley contacted XXXX and informed them that this bankruptcy was deleted by LexisNexis and that I want it now removed from my XXXX report as this was corrected by the data furnisher. XXXX AGAIN verified this fraudulent bankruptcy as accurate. This is my final complaint regarding this same issue before I file a lawsuit against XXXX  for violations of the fair credit reporting act. I need this bankruptcy number XXXX to be deleted from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by Professional Debt Mediation , Inc . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

I was harassed on the phone constantly despite telling the phone reps at your collection company not to call me. The Original creditor grossly overcharged me and kept on increase the balance frivolously. My request for validation was ignored and your company failed to mark me as disputed and failed to provide me with validation of the debt. Also Professional Debt Mediation, Inc. dont have registered agent in California Account Information : Account Number XXXX  : Balance : {$1000.00} Date Opened : XX/XX/2016.

Type : Derogatory Account Number XXXX  : Balance : {$1400.00} Date Opened : XX/XX/2016. 
Type : Derogatory Solution : deletion accounts from all credit bureaus and waive the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: IN

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have sent letters to each XXXX, Experian, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Complaint # XXXX Submitted and never resolved even though the Bank of America sent me two letters saying they had submitted correct information and consider my dispute resolved. They continue to have a misapplication on this loan and none of my payments have been applied and do not show a reduction of principal since XX/XX/2021 ( for the last 6 months ). Do not have any contact with anyone who will try to help me. They are taking so long to correct this issue and I am afraid that my funds will be not be applied correctly. Arent they out of compliance with the law re corrections on loan applications? Please help to get this resolved quickly. They are just taking all their time to correct this misapplication. ( now 6 months )

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 2021-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AmeriCollect
State: WA

Complaint narrative:
This company called Americollect is attempting to collect an unknown debt from me by calling me 2 times a day, and contacting me after I asked them to stop. It is harassment. I also have done my research on the company and they have a record of harassment, threatening, refusing to send debt statement letters to those who owe, taking multiple payments for one debt and refusing to report the full payment to the credit bureaus, and attempt to collect false debt. This is criminal and must be stopped. The last time I was contacted was today XXXX XXXX 2021 at XXXX XXXX  two times in a row and I have pictures of my call log to prove it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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 2021-10-06 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: TX

Complaint narrative:
I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my Trans Union credit report. I have contacted them to remove these inquires and they will not do so.

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 2021-10-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft by fraudulent XXXX and XXXX accounts opened with my personal information ( name, address, and credit card information ). A dispute was opened for the {$41.00} purchase with Capital One credit card but the investigation concluded that I will be responsible for the funds due to the unauthorized purchased allegedly being delivered to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting and u verified collection on credit report by XXXX XXXX XXXX in the amount of XXXX. Both experian and XXXX XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance

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 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When my husband passed away years ago he always handled our finances. When I met my new husband he started to check on our finances and was shocked to discover we owed {$12000.00} in back property taxes from XXXX through XXXX for XXXX County XXXX.. We paid them on XX/XX/XXXX during the COVID pandemic and spent six months trying to find my late husband 's records to see why Bank of America had not paid these out of our escrow payments. 

Then in XXXX of this year, we sold the house and were told prior to closing we owed an ADDITIONAL {$11000.00} in property taxes for the same period to XXXX County. After this shock, we stopped by a branch to get the missing payment records. The mortgage had since been sold to XXXX XXXX  in XXXX (? ) and they had paid the taxes promptly ever since. 

We formally requested Bank of America, by phone, XXXX for all the records covering the mortgage since XXXX when we first bought the property. We called on XX/XX/XXXX and again on XX/XX/XXXX and both times received spotty records that did NOT cover the years XXXX through XXXX. 

We are requesting you to find out what happened to the escrow accounts and where the money went? Who is responsible for the interest and penalties?

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