vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: GA

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2021-12-28 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: GA

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Experian Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Experian Credit Bureau failed to comply 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. Here are the concerned Inquiries that need to remove : XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/202XXXX XXXX-Date of inquiry XX/XX/2021

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a follow up to complaint ID XXXX submitted on XXXX/XXXX/2021 Chase returned MOST of the money but not ALL of the money. The fact that Chase returned the amount of {$3100.00} to us and kept ( stole ) {$980.00} from the initial claim, is 100 % proof positive that Chase knows they are in the wrong. 

My gut tells me these funds were initially sent erroneously by us, to an account that was idle and had a negative balance at Chase. I theorize that Chase used our money ( The {$980.00} ) which was clearly sent in error and applied by Chase in error from a wire without matching names, to satisfy the amount owed by Chase 's former client. Why else would they return part of the money and not all of it to us? Only because Chase used our money for their OWN BENEFIT to cover their balance from their client with no connection to us whatsoever. That is the only possible reason and it is frankly disgusting. 

We are owed the amount of {$980.00} as a result of Chase quite literally stealing our money by using it to cover their own fees which were left previously unpaid by their former ( or current ) customer at our expense. We are not Chase customers and owe them nothing yet they feel it is ok to use our money, sent in error admittedly, for their benefit instead of returning it to us. Is this how a bank, a public company should behave? Have we not lost our entire moral compass in corporate america?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I entered a consumer credit transaction on XX/XX/2021 with care credit synchrony bank. They directed me to a site to verify my identity I completed and the rep on phone told me I was denied for insufficient credit history.They violated Regulation B CFR 1002.4 as it prohibits discrimination regarding any aspect to a credit transaction.

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 2021-12-28 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: MD

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 removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply 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. Here are the concerned Inquiries that needs to remove : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
SOMEONE BOUGHT A CAR FRAUDULENTY IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: TX

Complaint narrative:
SOMEONE BOUGHT A CAR FRAUDULENTY IN MY NAME.

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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 removal of the inaccurate information about my inquiries has not been given any attention by XXXX Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, XXXX Credit Bureau failed to comply 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. Here are the concerned Inquiries that needs to remove : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

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 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
On XX/XX/2021, my insurance agent contacted me explaining that Caliber Home Loans did not pay my insurance company and that my coverage would be canceled. This same agent also contacted Caliber requesting that payment be sent over night. Caliber confirmed that they would send payment and the total was deducted from my account, Im the amount of {$1900.00}. 

On XX/XX/XXXX, the agent contacted me again explaining that the insurance company never received payment. She asked that they send another check overnight ( canceling the first ). However, because they did not send the first check, she encouraged me to pay to ensure that I did not lose coverage. I would need to pay the insurance amount out of pocket plus an additional 3 % to process the payment. 

I attempted to contact Caliber Home Loans using their customer service phone number to understand why payment had not been made. 

It took two hours of waiting, being disconnected after waiting, and being transferred. The custom service agent could not provide a tracking number for the check. 

I asked to speak with a manger to escalate this issue since it had been unresolved for weeks. She spoke to the manager and said she would transfer me. I was only transferred to the managers voicemail. Her name was XXXX XXXX. I left all of my contact information, and while the she was expecting my call, she did not call me back. 

When I checked my account online, I surprised to see that the money had been taken out of my escrow account to pay the insurance. 

At this point, my only option to maintain coverage was make a payments ( XX/XX/XXXX ), and an additional 3 % processing service fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
company started calling me out of nowhere trying to collect a debt I know nothing about and have now even started to harass me with phone calls several times a day,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 removal of the inaccurate information about my inquiries has not been given any attention by Transunion Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Transunion Credit Bureau failed to comply 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. Here are the concerned Inquiries that need to remove : XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of XXXX XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021

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 2021-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I applied for a personal loan at One Main Financial that I learned about through XXXX XXXX on XX/XX/21. I learned I was approved for {$3000.00} more than the {$9000.00} I requested. The interest rate on XXXX XXXX 's page listed this particular loan at 16.97 %. There were many other loans offered by One Main and other companies. I was contacted by the local branch in XXXX the following morning and I was informed by the office manager " XXXX '' that the rate was 23 %. She stated she was not aware that One Main ever offered a loan at 16.97 %. I felt like it was not a misunderstanding or honest mistake. She offered the explanation that XXXX XXXX may have misrepresented the terms of the loan. I explained that I was looking at the information and terms on XXXX XXXX 's site and One Main did not even list the interest rate at 23 %. They actually did not have the rate listed anywhere other than on XXXX XXXX 's page at 16.97 %.. Again I believed it was intentional and if they were interested in having me know the full terms of the loan they would have included the information when XXXX XXXX sent me to their page to complete the application. I applied with the understanding that the loan would be at 16.97 %. There were several offers on the same page less than 23 %. I would not have One Main check my credit and have to deal with a derogatory mark on my credit for a 23 % personal loan. After not getting any satisfaction at the local branch and being refused the contact information for a supervisor above " XXXX '' I was given a ( XXXX ) XXXX phone number that served no assistance and I am currently waiting for a manger to call me back because the " two '' of them are in a meeting. I sent a screenshot to XXXX at the XXXX branch to show her the rate listed is in fact 16.97 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Global Lending Services LLC
State: MS

Complaint narrative:
Global Lending Services ( GLS ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which GLS is reporting as a Foreclosure to XXXX and XXXX. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. GLS has also reported to XXXX a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I received an email alert from my XXXX XXXX XXXX, to review my credit information. A company by the name of Credence Resource Management, had, unbeknown to me, entered a disputed XXXX XXXX XXXXy bill into my credit reports, as a NEW ACCOUNT, and has repeatedly sent new open dates, four ( 4 ) times, since XX/XX/XXXX. The open dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, thus far. These entries are listed as major discrepancies on my credit files. I have not conducted any business with this company nor received any correspondence from them. I had no prior knowledge of this collection filing. I mailed them a letter on XX/XX/XXXX, requesting verification of debt from original creditor, date original account was opened and closed, account summary, and copies of any correspondence they allegedly mailed to me regarding this debt. A letter was sent to Credence Resource Management, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, but was returned as undeliverable. A copy was sent to Credence Resource ManagemenXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX. I have not received any anything from them as of yet. This is a devastating negative impact to my credit rating and has caused me great XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
Good morning, I am reaching out to you because my Senator recommended this as the next step in the process of fixing the problem. Since XX/XX/XXXX I have been in an ongoing battle with XXXX XXXX Tax Assessor and Carrington Mortgage. In XX/XX/XXXX I was told that the mortgage company did not submit the proper paperwork showing my home was my primary residence so I was assessed at a higher rate. From XX/XX/XXXX to XX/XX/XXXX I submitted every document required to fix this problem. I proactively kept the mortgage company abreast of the situation. In XX/XX/XXXX the mortgage company did an assessment based off of the erroneous tax information and changed my mortgage from XXXX to XXXX. In XX/XX/XXXX XXXX XXXX confirmed they made a mistake and put in the correction to refund XXXX. Carrington mortgage did not correct the mistake until XX/XX/XXXX. During that time the mortgage company put me on forbearance so everything could be fixed. I submitted a total of XXXX to them and instead of them applying it correctly, they applied it as if the amount due was still 3900 monthly. In XX/XX/XXXX Carrington finally corrected my mortgage to XXXX but refused to fix the errors that made my account almost 25k over what was due. I was told that all I had to do was write a letter requesting that the overage be refunded or applied to the account correctly. That was on XX/XX/XXXX. As of today I am being told that they can not fix the error in the system until I pay XXXX to bring the account current under the incorrect amount. Then once I pay the XXXX they will fix it and send it to me. I dont have XXXX just lying around. I have tried contacting Carrington mortgage several times and they keep giving me the run around. I have emailed XXXX XXXX ( XXXX XX/XX/XXXX ) and have yet to hear back from him or anyone on his team. I am a small business owner and Covid has greatly affected my income. I am asking for your help because this is a lender that is not doing business correctly. I am a minority XXXX XXXX veteran that served my country honorably and have continued to service my community. I dont think it is right that I can possibly lose my home because of an error made by humans that refuse to correct. I keep being told that they understand my anger and want to correct it but they cant correct what is input to the computer. I work hard to provide the American dream to my daughter and to show other minority women that success can be achieved when effort is applied. However, this refusal to fix a simple error is going to destroy everything I have worked hard for over the past 20 years. I have the paper trail to prove that I did everything correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Verification of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This letter is sent in response to letter I received on XX/XX/2021. I am requesting that you provide verification of this debt. 
Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed on the debt. 
2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Details about the age of the debt and the amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
4. Please also note whether this debt is within the statute of limitations and how that was determined.

5. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation