vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez LLC failed to release the lien on my home. NewRez LLC told me there was no lien to release in XX/XX/XXXX after I paid off my mortgage. However, NewRez LLC recorded a lien on my home in XX/XX/XXXX for the mortgage I paid off. I mailed a Notice of Error to NewRez LLC in XX/XX/XXXX asking NewRez LLC to release the lien, but NewRez LLC has not released the lien.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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:
I submitted a dispute for an credit report violation. XXXX XXXX violated my rights by reporting inaccuate information. Instead of removing this inaccuracy Transunion listed this as verified, in addition they added XXXX dollars to a balance due. A collection account can not display a past due balance. I do no owe XXXX XXXX, i do not know who they are in addition this collection account is reporting inaccurately. On XX/XX/22 the transunion report showed a balance due of {$220.00}, now after i submitted the dispute it is listed with a past due of {$220.00}. Per the FCRA a collection account should not report a past due and it is the Credit reporting agencies duty to ensure info under my social security number is accurate. A collection account can not report a past due balance.

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
I got a report on my Credit that says I took out a loan in that state but used a MA. ID card. Property that was lost in a Self Storage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 

RE : XXXXXXXX XXXX XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
open / collection account Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-29 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Department store that reported the negative activity to my credit file claims and denies having any information on me and says that the responsibility is on the credit reporting agency. When I asked how the credit reporting agencies got their information, I was told they got their information from the creditor. But the creditor has no information on me at all? 

So it definitely appears that there is a situation of fraud and false testimony in this situation. 

I want to know why a major department store that has their brand of credit card issued and underwritten by a major bank can report negative comments on a person 's consumer credit report, when the person doesn't have a credit account with that department store or the bank, and then claim they have no information on the person, and then refuse to contact the credit reporting agencies to have the fraudulent information removed. 

When I am the victim of credit fraud committed by a department store/bank, why is it my responsibility to do everything to correct the problem when they can not provide any proof of any credit history with 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 non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX money began getting withdrawn to pay back loans and then higher loans requested a total of 17 transactions totaling the amount of {$1200.00}. I placed call reporting at about XXXX XX/XX/XXXX. I then had to call them in the morning because they were closed. XX/XX/XXXX @ XXXX spoke with customer service several times for a total 4hr and 51 minutes and provided all necessary documentation. I was told I would receive an email explaining the incident that the representative stated was clearly fraud with a file number, within 48hrs. I never received the email or the number. I did receive a link to reset my account with new email. I have not received a refund either. I did file a police report and also to the FTC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: iQuantified Management Services, LLC
State: IN

Complaint narrative:
XX/XX/21 : I have a record on my bank account through XXXX XXXX XXXX XXXX that check in the amount of XXXX was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I informed the company by written notice and verbally that I am a victim of identity theft and as a result this account was fraudulently opened to obtain a apartment. I have made countless attempts to reach out to them however, they have failed to respond to my verbal and written notices, instead they sent my account to collection without giving me the opportunity to dispute the debt. The amount of debt Rent Recovery Solutions, LLC claim I owe is {$3200.00}. The account number is XXXX. No one answers the phone, after I am prompted to click option 2, the phone hang up. 

I have sent letters such as Identity Theft Affidavit, FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible.

also enclosed a copy of the FTC 's Notice to Furnishers of Information which explains their responsibilities when reporting information to CRAs. PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. 

I requested to close the unauthorized account, remove charges on the unauthorized account, and take steps to remove information about this account from my credit file. I also ask for written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank automatically renewed my account but never sent me a replacement card. I thought the account was closed and didn't realize it had an auto pay for the vet on it for 4 months. When I finally realized, I paid everything I owed and closed the account ( after much trouble and hours and hours of waiting on hold and having my calls dropped before they would cancel ). They said couldn't even access my account to cancel it until sending me a new card since they never even sent the first renewal. Weeks later, after getting a new card and lots and lots of time with their terrible phone system, I finally canceled it. Then 3 months later I get a collections bill for XXXX XXXX. According to them it is a late charge they hadn't assessed yet when I canceled. So they can charge fees AFTER I cancel an account? Is that legal? Also, it was very very difficult to cancel. Seems predatory.

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 2022-03-29 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: Credit Plus Inc
State: GA

Complaint narrative:
I recently checked my account and saw that there were inquiries that were not validated nor authorized by Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
important : my email is stolen, as i have proof, so I will follow-up to my complaint via phone. 
so ... IF YOU RECEIVE ANY CONTACT IN ANY WAY FROM A PERSON IMPOSTERING ME, PLEASE IGNORE I WORK as a XXXX  XXXX XXXX XXXX XXXX where i have proof some of the below have felony hacked my school email address and endanger children, and want to do felony crime against Chase Bank and XXXX and XXXX XXXX Chase Bank has my mortgage and I have been paying for years. I have complained to them in writing that I WILL NEVER REFINANCE OR DO ANY OTHER LOANS. However, I have documented identity theft and the following people are trying to steal my home mortgage, do a criminal felony refinance. etc. 
Today, while Chase is investigating who is doing imposter for signing me up for loans. 
I HAVE TOLD THEM TO STOP OFFERS, YET THEY KEEP SENDING OFFERS, which i got another one in the mail. WE DO HAVE POSTAL MAIL THEFT BY THE BELOW FAMILIES : XXXX, XXXX, AND XXXX. 
My mail is stolen, tampered with by the same people who are trying to do financial fraud against Chase and XXXX and XXXX XXXX. The CRIMINALS are XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( related to XXXX ) OF XXXX, XXXX XXXX ; XXXX XXXX XXXX ( related XXXX ) ; XXXX XXXX OF XXXX XXXXXXXX XXXX  ; XXXX AND XXXX XXXX OF XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX family lives in XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  ; XXXX XXXX ( man ) XXXX, XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX XXXX, XXXX, and other associates, XXXX XXXX and XXXX XXXX of XXXX of XXXX with XXXX XXXX, XXXX ; and other associates. The main conspirators may be : XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX and XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank is refusing to resolve a written dispute about a {$32.00} restocking fee related a cancelled furniture delivery and purchase. The original purchase was on XX/XX/2022 and the entire order was cancelled on XX/XX/2022. However, XXXX XXXX system cancelled all of the order, except the {$32.00} restocking fee. I filed a written dispute with the affiliate bank of XXXX XXXX, Synchrony Bank, on approximately XX/XX/2022 and faxed a copy of my receipts on XX/XX/2022. Nonetheless, Synchrony Bank continues to ignore the dispute and claim that they are owed {$32.00}. I cancelled the order in less than 24 hours after ordering the bed frames ( furniture ) at XXXX XXXX location in-person, but online at the store 's XXXX customer service desk. I did not accept any of the items offered. The charges were originally charged to my XXXX store credit card.

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 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
Consumers for this bank have not been able to access their ATM deposits or debit card transactions for XXXX days. I'm getting ready to switch banks because of the poor online banking application used by this First United Bank. The application has constant technical functionality glitches. After a certain time of day, you are not able to see pending transactions. Today you can have {$2000.00} and XXXX minutes later {$50.00}. There are constant issues with pending transactions, balances not displaying in real time and funds transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
I'm showing a balance of {$500.00} from Affirm on my credit report, where this XXXX account XXXX account number was paid in full. 
XXXX XXXX account balance paid in full also. 
XXXX XXXXXXXX account balance paid in full also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: AZ

Complaint narrative:
I have sent a identity theft report to Experian several times once in XX/XX/XXXX and then again in XX/XX/XXXX asking them to block fraudulent items that were listed on my credit report. XXXX XXXX was blocked and removed but they allowed a different collection agency to place it back on there which that is against the law. Also the creditor XXXX  XXXX  is on there twice even after I sent the identity theft and Police report. I also informed that XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX  was fraud I sent them the identity theft report XX/XX/XXXX and instead of them blocking it they disputed it which according to the FCRA if I provide that information they have to block it from the credit report. The person who stole my identity has all my information and it is unfair how experian is handling things. My next step will be to sue but I rather just have this corrected 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 non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint # XXXX to CFPB. The company, Consumer Adjustment Company , Inc. ( CACi ), responded to the complaint on XX/XX/XXXX. The former complaint was in regards to CACi, a debt collector, who allegedly was authorized to collect an alleged debt. CACi reported this alleged debt to consumer reporting agencies which caused a decrease in my credit score. I immediately disputed the CACi reporting via CFPB and the consumer reporting agencies and the report was immediately removed from my consumer credit report. Although the negative information was removed following my dispute, my credit score did not return to its original value before the CACi reporting. Therefore, I sought remedy from CACi for violations which were made against my consumer rights according to 15 U.S. Code Chapter 41. Along with the request for remedy, I submitted a certified mailed letter with signature request to CACi, informing them of the several consumer law violations which were made by them and an invoice was attached as well. I demanded a remedy and/or rebuttal of my request be presented to me within the next 10 business days from receiving my letter. A CACi, representative signed the receipt of this letter on XX/XX/XXXX. As of today, no response nor payment has been received from CACi. I have attached to this complaint, a copy of the affidavit and invoice which was mailed to CACi. Per the attachment, please note that CACi was dishonest with the information which was given in response to my previous claim against them. CACi reviewed my consumer report almost a month in advance before reporting new alleged debt information which consisted of incorrect information. CACi was careless in its operation of collecting alleged debt and in doing so, caused harm to the integrity of my financial dependence. CACi caused a negative impact on my livelihood and must take responsibility and acceptance to their negligence in reporting of consumer credit misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: IL

Complaint narrative:
Equifax continues to report inaccurate information to potential lenders. When I pull my personal credit on the website it shows I have no collections, Yet when I pulled my credit today with a lender, the collection from XXXX XXXX XXXX. They are doing this to hide the fact that they are reporting this collection to potential lenders. This is a deceptive practice because it prevents me from disputing the collection on the site directly with Equifax. They should be fined for this. XXXX XXXX XXXX should also be fined. I will keep filing complaints until they stop being shady. They have the information to report negative information but then claim to your office that they need my ID and social security card. No honest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Reference : XXXX XXXX On multiple occasions, I reported to Sun Trust XXXX now Truist ) that there were some inaccuracies with the above detailed loan that must be corrected at once. 

Firstly, the originating loan amount was {$23000.00} at an interest rate of 4.75 % for 72 months, that entails monthly payments of {$370.00}, please correct an apply the right amount which is not the current {$370.00}. I do not have to pay XXXX cents more monthly because the correct amount is {$370.00}. 

Secondly, due to the pandemic the bank offered us forbearance of 6 months. During those XXXX months from XXXX until XX/XX/XXXX, the total interest was {$530.00}. When I resumed my payments in XXXX, Sun Trust held XXXX full months, XXXX and XXXX as interests only which is also incorrect. If you check the statement received from Sun Trust {$750.00} were applied as interests paid, nothing was applied to principal, when it should have been applied {$530.00} which is the correct interests for 6 months. With the profitable assistance for the bank, I want to know the exact amount of how much I would end paying in interests if I keep the loan for the entire 72 months. 

Since XX/XX/XXXX as of today, I have made XXXX payments and the remaining principal should be {$17000.00} not {$18000.00}. 

For all the above, there is a discrepancy of {$740.00} that MUST BE CORRECTED AT ONCE and proceed to apply the correct monthly payments for {$370.00}. XXXX. 

The attached letter was sent before proceeding with the XXXX payment, and the response received from Truist was utterly unprofessional and pathetic, and never responded these XXXX specific issues just stated the interest paid in XXXX for {$1100.00} and that information is also incorrect, I paid {$1200.00} in XXXX. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S. Code 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

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 2022-03-29 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I recently checked my account and saw that there were inquiries that were not validated nor authorized by Me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation