vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 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: Capio Partners, LLC
State: MS

Complaint narrative:
ASSETCARE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report.

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AL

Complaint narrative:
AmeriHome Mortgage sent me XXXX Loan Statement, which I paid, and then transferred my loan to XXXX, also effective XX/XX/XXXX. By doing so, AmeriHome created a situation that forced me to pay my XXXX payment twice, but only get credit for it once. AmeriHome is now retaining that last payment, while refusing to provide my payment history. 

This situation was caused largely by AmeriHome sending my XXXX statement too early. It was dated XX/XX/2021. I paid the full XXXX payment online and received a confirmation number. The very next day, I received a notice by regular mail that my mortgage had been transferred to XXXX Mortgage, effective XX/XX/2021. 

When my XXXX mortgage statement arrived, it was also for the month of XXXX. It did not reflect the XXXX payment that I had already made to AmeriHome. It shows the exact same principal balance, as if the last payment to AmeriHome was not made. But, it was made and I have the confirmation number. 

I contacted both companies. XXXX indicates that they are working off of the information they got from AmeriHome. That makes sense because I received the XX/XX/XXXX AmeriHome statement just one day before the notice of the transfer to XXXX. 

When I spoke to the AmeriHome representative on the phone, she acknowledged that my payment was received, but she says it must have been applied to a prior month. This suggestion is inconsistent with the statement balance : the AmeriHome XXXX statement ( dated XX/XX/XXXX ) reflects the principal balance that matches my first XXXX statement balance. There is no way that AmeriHome applied my last payment correctly. They just kept the money. Also, it does not match my own payment records or the statement I was sent, so I asked AmeriHome to provide a payment history. 

That was three weeks ago, and AmeriHome has failed or refused to provide it. When they provide it, it will not support their position. AmeriHome owes me that payment. AmeriHome also deactivated my online account when they transferred the servicing of my mortgage to XXXX, so I can not get access to my payment history there. 

Because I did not want this to affect my credit, I was forced to make the XXXX payment again, but the second time to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I put in a dispute in XXXX for my refund of {$1800.00} from chime. They refused to do so, information was even changed on my account. I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am an American citizen and Wells Fargo customer. I travelled to XXXX in XX/XX/2020 to apply for XXXX residency. I informed Wells Fargo three times - once via phone and twice in person at the branch that I was traveling and would be making an important wire transfer in XXXX to a XXXX XXXX account in my name. Of course, Wells Fargo blocked the transaction ( which was for less than 1 % of my available balance across my accounts ). When I called and verified my identity and correctly answered all their security questions, I was told the last step was to go to a branch and show photo ID. That was impossible since I was in XXXX and Wells Fargo has no branches there. My passport was confiscated by the XXXX government during the residency application process. The only way to get it back was to pay the residency application fees ( via the wire transfer that Wells Fargo was preventing ). Not only did Wells Fargo refuse to authorize the wire transfer, it cut me off from ALL of my online banking. Wells Fargo left me stranded in XXXX with no access to my money and no passport despite me having notified them three times about my need to make this transfer and answering all security questions correctly. Wells Fargo even very insultingly suggested that a traveler should have more than one form of payment with them for safety, such as a credit card. Thats obviously ridiculous because without the ability to make payments on a credit card from your bank account, ones credit would only last for a short time- perhaps a few months before being cut off. I was in a position where I couldnt get my passport back without access to my banking. I believe I was discriminated against and illegally denied access to my property. Wells Fargos response to my complaints has been pure fabrication - that I failed to properly identify myself and failed to verify the wire transfer. I believe that their policies and procedures make it impossible for an American customer to regain access to their accounts from outside the U.S.

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 2021-11-01 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
CB/XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: IN

Complaint narrative:
I would like to formally submit a complaint regarding the collection agency Medical Business Bureau. The company has reported three collections on my credit report without sending me any notification prior to doing so. As a consumer I have a right to receive notification from the collection agency and validation of a debt which the Medical Business Bureau did not allow me to do. I have reached out to this company about not receiving any type of correspondence prior to them reporting but have not received any feedback about my question. In return they send a bill. This company has violated my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flat Branch Mortgage, Inc.
State: IN

Complaint narrative:
XXXX XXXX, Flat Branch. and XXXX XXXX bank ran my credit for a mortgage without having a full application on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: NCB Management Services Inc.
State: MS

Complaint narrative:
NCB MANAGMENT SERVICES has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I have submitted all required document for loss mitigation for financial hardship due to covid 19 pandemic and the bank dose not provide me the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: AFNI INC.
State: GA

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, I was charged {$250.00} for an excursion ( scheduled for XX/XX/XXXX ). The excursion was not delivered as agreed ( large group vs promised private tour, places to visit different than what agreed, drinks not included as promised ). The merchant did not offer any compensation or refund. I called Chase Disputes on XX/XX/XXXX, and the agent refused to even open the dispute investigation stating my motivation does not qualify for a dispute. However, the FTC Consumer page states how " charges for goods and services that weren't delivered as agreed '' is a valid reasons for opening disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Contacted Experian about their " XXXX  '' product. They have incorrect/inaccurate information in my XXXX file. When I called ( many, many times!! ), they did not know how to fix my problem, which led to them shutting down my phone and SS # when I tried to call back. I think Experian may have become too big as their FICO scoring model is what the lending industry uses almost exclusively to assign lending rates to the US consumer. I could go on about how all 3 credit reporting companies like to quickly drop you scores, but take exceptionally longer to return your score to a higher number. Since the 3 main reporting companies are federally regulated, the US consumer doesn't have an advocate to fight these issues. Suggestions??

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 2021-11-01 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: GA

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

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 2021-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A used car that was being financed by Capital one with perfect payment history was totaled out. My Gap insurnace provider XXXX XXXX did not pay the remainder of the car loan due to COVID 19. Capital one charged my account balanced off. The balance was paid in full by me. This is reporting as a charge off. This is incorrect. Due to COVID the due process for the loan repayment process was not followe correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: AZ

Complaint narrative:
Asurint performed a background check on me for employment gave employer wrong information I will lose offer if this is not corrected asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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 XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX  XXXX XXXX Balance {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The consumer reporting agency is in violation of 15 USC 1681n for the willful noncompliance of reporting inaccurate information on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diaz & Associates, Inc.
State: TX

Complaint narrative:
Diaz & Associates XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX XXXX account XXXX This is an attempt to collect on a time-barred debt. This debt has passed the statute of limitations in Texas and can not be pursued. They are trying to " resurrect '' it by sending this debt collection letter ( dated XXXX XXXX, XXXX ). This debt is from XXXX. After receiving the letter, I was shocked to see I owed money. I know I am up to date with all my loans and credit cards. So I called. Once they verified who I was, that's when they told me it was a debt long past the statute of limitations. I am concerned that by using these deviant tactics, they are trying to threaten me with ruining my credit by re-instating a debt that can no longer be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CCS Financial Services, Inc.
State: MS

Complaint narrative:
CREDIT COLLECTION SVCS has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation