vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX was called out to my townhouse, which is a rental, to work on the shower in my master bath ( XXXX and XXXX, my property management company, was XXXX XXXX XXXX 's contact for me ). Their invoice states that they worked on the " shower valve body - pipe mods '' and apparently gained access to the plumbing by breaking out the tile around the faucet. The work was billed at {$550.00}. The work was so shoddy that the tenant could not take a shower because it was leaking and the hole created when they broke out the tile around the faucet was so unnecessarily large there were open gaps around the shower faucet. In order to correct the problem, I had to hire another plumber ( XXXX XXXX XXXX XXXX who charged me {$340.00} ) to repair the faucet enough for the tenant to be able to use the shower. In XXXX XXXX ' statement they say " The customer ( myself ) had other person install valve and broke tile. Shower trim does not completely cover hole in tile. '' To keep water from leaking down behind the wall, we had to cover it with duct tape as a temporary fix. I tried calling XXXX XXXX XXXX at XXXX several times on XX/XX/21 and no one picked up so was unable to leave a message. I also tried emailing XXXX, provided my email, phone number and the invoice no. and asked that someone contact me regarding the work. I've never heard anything back from the company. The only contact has been recently from a creditor ( Recovery Solutions Group , LLC ) with a letter dated XX/XX/21 and then a phone call today, XX/XX/21 ( they left a message ). 

I don't believe this company should receive payment for such poor quality work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX called me on multiple occasions attempting to collect a debt that was out of statues of limitations and out of there jurisdiction w/o consent or proper authorization. They did not provide the original contract verifying that I was the original debtor. They where in violation of laws 15 US C 1692 a 5 15 US C 1692 c a 15 USC 1692 d 15 US C 1692B 5 15 US C 1692 b a 15 US C 1692 b 2 a 15 US C 1605 a 15 US C 1692 f

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO
State: GA

Complaint narrative:
Banco Popular Puerto Rico acquired XXXX XXXX XXXX XXXX from which we have our Visa-XXXX. In the process, without consulting me they removed my SCRA ( service member civil relief act ) benefits, going over my 6 % interest rate. We send all documentation requested on XX/XX/2021 and as today, XX/XX/XXXX, they haven't give us an answer. We've called plenty of times and as they told us today ( again ) that they will be evaluating the request ( it has been more than 90 days ). 
I'll like to emphasise that this is not a request, this is an entitled benefit on the federal law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NE

Complaint narrative:
I submitted a fraud claim regarding 63 transactions that occurred in The XXXX ( I live in The U.S.A. ), almost {$850.00} in fraudulent transactions, they said a provisional credit would be applied within 10 business days if the claim wasn't finalized by then. 

They never did. 

I had to call them back to figure out what the XXXX was going on, they " escalated '' the claim and told me to wait another 3 business days to get the provisional credit, meaning someone LITERALLY wasn't doing their job. 3 business days later, they denied my claim and said it was closed, however the individual transactions say " Still working on it '' with a Closed claim status via the Chime App. Oh, also, they want you, the customer, to print out and fill out by hand all the transactions and charges being disputed/submitted as fraudulent. What the XXXX year are we in, XXXX? 
I tried to get a hold of the claims dept, and got transferred about 3 times until I finally got a Customer Service " Manager, '' she was EXTREMELY rude and kept talking over me and cutting me off, never gave me an answer to my question of " If the provisional credit was supposed to be issued within 10 business days, then why was it never issued? '' I even asked her to put me on hold and go talk to someone in the claims dept, because apparently they literally don't have phones in that dept ( at least, that's what she told me ) and no communication is available via telephone between customer or employees to the claims dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CT

Complaint narrative:
I had a secured credit card with discover. I got switch over to a regular credit card and was due back the money i put down on the secured card. I Have tried several times to get this resolved and nothing has happened. this has been going on since XX/XX/2021. I have perfect credit and never missed a payment. I need Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Complaint number XXXX. 

Previous request to JP Morgan Chase have been ignored. Initial complaint number XXXX with the CFPB was filed and has not received any response. 
Please request JP MPRGAN CHASE to a resolution. Also please advise if filing a complaint with the Justice Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
As of XXXX XXXX XXXX, I noticed several fraudulent inquires on my credit report. I have called all 3 credit bureaus to dispute these inquires. Company names are as follow ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Exeter Finance, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not authorized these companies to run my credit. I was approved through XXXX on XX/XX/2021 for an auto and I made my first payment on XX/XX/2021. I would like for these inquires to be removed immediately, thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I notified Regions bank that I was going through a very tough time with the business and COVID but were were coming out of it. I lost employees and tons of business due to the coronavirus, I have always have a plus XXXX score and paid my bills on time. 

Recently, the credit card with them got to the limit and I paid what I could and they told me they wouldnt report bad credit. I made payments every month, including XXXX, XXXX, and XXXX payments in XXXX. I recently sent them {$900.00} two days ago. 

I am very upset they flagged my account as 90 days past due when it is clearly not. Under the cares act, they are supposed to help consumers get back on track, Because if this unfair credit reporting during a pandemic, my score has plummeted. Now the sba has granted us a loan for the business which we need to keep everyone employed, and my personal score is too low. 

The account should never have been closed or reported 90 days late. The fees Regions has collected from my business account has been though the roof with no relief at all during this tough time. I am attaching screenshots of payments made throughout the month.,

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 2021-06-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: MA

Complaint narrative:
Hello, Since XXXX, I owned a commercial building and also operate a hair salon and function hall. I have a mortgage with XXXX XXXXXXXX, XXXX for {$650000.00}. The loan document required me to pay interest only monthly payments of {$6100.00} and to pay the {$650000.00} in full by XXXX, XXXX. I have been making the interest only payments of {$6100.00} and I did not pay XXXX and XXXX, XXXX payments. 

On XX/XX/XXXX, I received a letter from Attorney XXXX XXXX XXXX, XXXX, in behalf of XXXX XXXX XXXX XXXX, XXXX XXXX, that I was in default and that in 35 days they will foreclose on my property atXXXX XXXX XXXX XXXX, XXXX, MA. XXXX. 

In XX/XX/XXXX, the Governor XXXX XXXX closed all businesses due to the COVID-19. 
In XXXX, XXXX, the Governor reopened hair salons. And on XX/XX/XXXX, the Governor reopened Bars. As a result, I have lost 90 % of my revenue and I was not financially able to pay the Loan in full. However, I was able to make all the interest only payment up until XXXX, XXXX. 
I would like to keep my property and be able to operate my businesses. Is there any help for mom and pops property owners and businesses? 

Sincerely, XXXX 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 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On a letter dated XX/XX/2021 that I received via mail, it stated that Wells Fargo closed my credit card account as of XX/XX/2021. It stated the reasons why it closed my account which is as follows : 1 ). Amount owed is too high relative to the credit limit on too many credit cards 2 ). Percent of credit accounts with late payments of 30 days or more 3 ). Bank card balances are too high relative to credit limit I had paid off my total balance on this credit card months ago. The first and third accusation are not true or accurate because of this. Also the second accusation is not true because I was never late on payments since my account was on autopay. When I called Wells Fargo credit card account services the representative told me the 30 or more late payments accusation had nothing to do with Wells Fargo. That in itself does not make any sense whatsoever. All she told me was that Wells Fargo had deemed my account too risky to keep open. 

I believe my credit score and report has suffered because of this closure.

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 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC
State: MD

Complaint narrative:
This company is reporting a debt on my credit report that Ive sent multiple letters to the company to validate the debt and they have not sent or validated anything. I do not have any business with this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, Equifax and XXXX. I sent my disputes certified mail. None of this companies has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: Synovus Bank
State: NJ

Complaint narrative:
please check the following accounts, which appear on my credit report, without any authorization, do not belong to me Identity Theft FSTPROGRESS Account XXXX : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: KS

Complaint narrative:
In XX/XX/XXXX, I made a payment to Flagstar in the amount of {$1200.00}, to be applied to my escrow account. The money was misapplied : 1 ) a part was applied to a future payment ; 2 ) the balance to the principal. This was NOT the direction I gave when making the payment. I continued making my payments timely and in full, not realizing that the payments were ahead because I often make extra payments per year to pay down the loan balance. Now a year later I learn that the {$1200.00} was NOT applied to escrow, resulting in an increase of my monthly payments from {$810.00} to {$1000.00} per month. Additionally, I now have a new escrow shortage balance of {$1800.00}. I just learned this today XXXX XX/XX/XXXX XXXX, even though I have been reaching out to Flagstar for weeks trying to understand why my monthly payment was going up so much. 

I feel like this company is making me PAY for their mistake. They are unwilling to correct THEIR error, but instead are forcing me to pay. I feel that people should be warned about Flagstars practices and how they do business. I am a person who pays my bills timely and do not deserve what's happening at the hands of this company.

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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: CA

Complaint narrative:
XXXX Moved into a home in XXXX AZ The home had to many issues paid {$4000.00} to move in told them we were not happy and found a new teamster to rent the place for them to terminate our lease they signed a new lease with a new tenant and said the would refund our deposit and months later did not than said they were keeping it because of a early lease termination fee. Years later they reported that I owed {$3500.00} for repairs to the house rent unpaid? And late fees? We were in the home for two weeks? And it was rented. We found out a new management company XXXX XXXX XXXX  took over the account and reported false information to there scam partners us collection west and they put a collection on all three of my Credit bureaus I was able to remove it from all three bureaus and XXXX and then it showed up again in XXXX during Covid and I still owed because I moved I no longer have all the supporting documents and Ive been trying to work with you as collection last but I found out they are partners with XXXX XXXX XXXX theres no number they will give me to talk to XXXX for proof they gave me an itemize list of false charges that were owed and have threatened me multiple times that they will just keep reselling the debt until I pay. And keep adding collection fees and interest. I am a retired XXXX XXXX Vet. And they know I am trying to buy a house and think they can strong arm me to pay this false debt. 

I have even offered money out of desperation {$1000.00} to remove this 5-6 year old debt collection that is not owed. 

They agreed to XXXX than changed that to {$4300.00} than called and said XXXX and now {$3000.00} ..they are a private owned collection company I spoke to XXXX he threatened me and lied and said he is friends with the owner and said he just called him and will take {$3000.00} but will not give me the number so I can despite the false debt directly with the alleged creditors, I have XXXX  and searched for XXXX XXXX XXXX in Arizona and around the country none exists? That would have properties in Arizona!! 

This is the true to the best of my Knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i got and payday loan in XXXX for XXXX at XXXX XXXX in XXXX ca XXXX of XXXX and its appears on my credit report as i got the loan on XX/XX/XXXX that's not correct i informed the credit bureau of this i sent information that this information is not correct and the credit bureau came back with this account has been verify this is not correct and i let the credit bureau know that this information is not correct and also i contact XXXX XXXX  and basically they said they cant help due to they passed this claim on to the XXXX XXXX XXXXXXXX XXXX i then contact the collection which is XXXX XXXX XXXXXXXX XXXX and let them know the information is wrong and to please stop reporting wrong information and also asked for the contract and they didn't response

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 2021-06-30 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: LoanCare, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft LOANCARE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine.

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 2021-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
As ofXX/XX/XXXX-XX/XX/XXXX, I noticed several fraudulent inquires on my credit report. I have called all 3 credit bureaus to dispute these inquires. Company names are as follow ; Capital One auto finance, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not authorized these companies to run my credit. I was approved through XXXX on XX/XX/2021 for an auto and I made my first payment on XX/XX/2021. I would like for these inquires to be removed immediately, thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore is Dual tracking review documentation submitted with complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
please check the following accounts, which appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation