vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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:
XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : VERIFIED INFORMATION NO EXPLANATION NO UPDATED REPORT WITH ANY EXPLANATION OR DETAILS ON INVESTIGATION XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : VERIFIED WITHOUT ANY CHANGES OR EXPLAINATION. 

XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : NO CHANGES MADE NO INFORMATION PROVIDED XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : NO RESPONSE ALSO I QUALIFIED FOR ACCOUNTD TO BE DISCHARGED. THE AMOUNTS WERE REMOVED NOT THE DERROGATORY INFORMATION. ALL DERROGATORY INFORMATION MUST BE REMOVED IMMEDIATELY OR DELETE ACCOUNTS ALTOGETHER. 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The mortgage company sent an outrageous figures to my title company for pay off amount which no body can comprehend .Contacted them several times for explanation but they made false promises and never respond .We need the following break down : -Break down of all payments made to Shell Point mortgage XXXX 
-Deferred payment of XXXX breakdown. 
-Principal deferred of XXXX breakdown. 
-Funds owed to borrower of XXXX breakdown- - interest to XX/XX/21 of XXXX Facts on the loan when it was bought from XXXX mortgage. What was the the loan balance upon purchase and a complete breakdown. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
IN 2018 WESTERN UNION ( VIA THEIR AGENTS IN OUR NEIGHBORHOOD XXXX, XXXX, ETC ) HAS BEEN COLLECTING INFORMATION AND GETTING COMPLETE FILES ON ME AND MY PARENTS AND DEMANDED MY SOCIAL SECURITY NUMBER TO RELEASE THE MONETARY GIFT MY PARENTS HAD CONTRACTE THEM TO DELIVER TO ME FOR OUR BIRTHDAYS AND XXXX. 
WHEN I DENIED TO RELEASE MY SSN AND INSTEAD I PRESENTED THEM WITH NOT ONE, BUT TWO VALID GOVERNMENT ISSUED PROOFS OF ID ( MY REAL ID DRIVERS LICENSE AND EVEN MY CHIP TECHNOLOGY US PASSPORT, BOTH VALID ) AFTER ENTERING ALL MY INFORMATION INTO THEIR SYSTEM, THEY STILL DENIED ME THE MONEY MY PARENTS HAD SENT US, AND THEIR AGENTS STILL INSISTED THAT ONLY BY GIVING THEM MY SSN THEY MIGHT BE ALLOWED BY THE WU SYSTEM TO RELEASE MY MONEY I AM CONVINCED THAT WESTERN UNION - A BANK WHICH I DID NOT CHOOSE TO OPEN AN ACCOUNT WITH -HAS USED THE FACT THAT MY PARENTS HAVE CONTRACTED THE MONEY TRANSFER SERVICE WITH THEM -TO FORCE ME TO GIVE THEM MY SOCIAL SECURITY NUMBER AND GATHER -UNDER FALSE PRETENSES- ALL THE OTHER PRIVATE INFORMATION ABOUT ME AND MY PARENTS.

IN EFFECT, WU, VIA THEIR AGENTS COLLECTED ALL MY INFORMATION AND MY PARENTS INFORMATION TO KEEP US AND IT HOSTAGE IN A HORRIBLE BAIT-AND SWITCH TACTIC WHICH - TO THIS DAY- HAS NOT BEEN RESOLVED. I BELIEVE THERE ARE MILLIONS OF PEOPLE WHO HAVE SUFFERED THE SAME FATE WHEN THEY ENTRUSTED WESTERN UNION WITH THEIR MONEY TRANSFERS AND WHO KNOWS WHO HAS BEEN MAKING A KILLING ON THE SOCIAL SECURITY NUMBERS THEY STOLE?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Social Finance, Inc.
State: IL

Complaint narrative:
On Tuesday XX/XX/2021, {$8900.00} USD was withdrawn from my bank account from SoFi, I do not have a SoFi account or know anyone that have one. Additionally, I received {$100.00} USD from XXXX. I did my own research and the {$100.00} was their sign-up promotional. I did not authorize the sign-up for XXXX. I have contacted my bank, and now I would like to file a complaint about SoFi and XXXX. I never authorized any of it, I don't even know the XXXX  account that was supposedly made under my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXX XXXX put me in the CHEXSYSTEM due to SUSPECTED FRAUD. So I got my Chex system report and it says that I deposited counterfeit checks. In the amount of {$990.00}, {$880.00}, {$920.00}, {$890.00} and XXXX. I have reached out to both CHEXSYSTEMS and XXXX  XXXX XXXX TO FIX THIS PROBLEM. I have asked countless number of times to launch a thorough investigation into this case of SUSPECTED FRAUD and COUNTERFEIT CHECKS. I have asked asked for proof and evidence but still they will not take me out of the CHEXSYSTEMS data base. The reason this is so stressful is because of this CHEXSYSTEMS report by XXXX XXXX XXXX I can not open up any checking accounts at any other financial institutions. I feel like I am being taken advantage of because the XXXX of my skin. Im a young XXXX man that cant open up a bank account due this report. I have sent them complaints several times! 

I NEVER COMMITTED TO ANY OF THERE FALSE ACCUSATIONS AND THEY CANT EVEN DO ME THE CURTSEY OF A FAIR THOROUGH INVESTIGATION THAT PROVES THAT I DID THIS.!

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 2021-04-07 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: DISCOVER BANK
State: TN

Complaint narrative:
These accounts have been sold. As to knowledge, I am no longer liable for the alleged debt, and no written communication, contract, or signature. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, Please be aware this is an attempt to a violation of the FDCPA. The section 807 ( 8 ) it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 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: GA

Complaint narrative:
I am victim of identity and I am requesting for Experian to block and remove these fraudulent accounts immediately : 1. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX BALANCE : XXXX 2. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX BALANCE : XXXX 3. XXXX XXXX XXXX XXXX BALANCE : XXXX 4. XXXX XXXX XXXX ACCOUNT # : XXXX I have attached a copy of my police report for Experian to block and remove these fraudulent accounts.

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 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: TN

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX XXXX. I got behind on payments. The account was sold to CKS PRIME INVESTMENTS. They used a company called XXXX XXXX for collections. On XX/XX/XXXX I received a letter from XXXX offer a settlement of paying 40 % of the XXXX balance which would be XXXX. On XX/XX/XXXX I made this payment via XXXX website under settlement offer and received an email for the payment. I went back a few weeks later Mid XXXX and noticed on my credit report CKS PRIME was showing a balance of XXXX still due. I disputed the balance with XXXX. The results came back in the same month stating CKS PRIME says the balance is correct and in collection. I then called XXXX spoke with XXXX XXXX on XX/XX/XXXX because when I tried to pull up the account on their website it said invalid reference number. He said the account was paid and resolved via settlement offer and sent back to CKS PRIME as settled. He then stated that's why you can't pull it up on Our website. I called CKS PRIME the same day. I spoke with XXXX XXXX, XXXX, XXXX, and XXXX operations manager. I was told by XXXX in operations that it was a simply fix. She would email XXXX and tell them too XXXX  the balance out because the could see the payment of XXXX. XXXX for the settlement offer. XXXX stated she would follow up with me once she heard back. On XX/XX/XXXX I followed up and was told by customer service that the balance had been fixed and the dept that submitted information to the credit bureau would update the acct.. but I couldn't talk with XXXXIt is still reflecting on my credit report. This acct was paid XX/XX/XXXX. The XXXX XXXX account should not be reflecting on the report because they sold the account to CKS PRIME. I have also sent letters to both XXXX  and XXXX  asking them to re- investigate this.

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 2021-04-07 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NC

Complaint narrative:
I have two accounts on my report that do not belong to me and needs to be removed 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 explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: NJ

Complaint narrative:
I established with Veterans United a payment plan in which I pay XXXX of the monthly mortgage due every two weeks. The intent of this plan is to 1 ) pay a portion of principle early each month thereby reducing the overall amount of interest I pay during the course of the mortgage, and 2 ) make one extra mortgage payment per year thereby reducing the term on the mortgage. 

Whereas I expected Veterans United to apply each payment immediately upon receipt, they instead hold as 'inactive ' the first biweekly payment until the second one is received 2 weeks later. At that time, they credit the monthly payment. 

This results in the consumer not getting any benefit from the first biweekly payment whereas Veterans United ensures they get their full interest during the course of the loan despite being in receipt of half the mortgage payment 2 weeks early each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CITIBANK, N.A.
State: GA

Complaint narrative:
There was a inquiry placed on my credit report from Citi Bank on XX/XX/2020. 
I reached out to them to advise that I had did not submit an inquiry to the company and reported the issue as fraud. To date the inquiry has not been removed from my credit 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 2021-04-07 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: MoneyLion Inc.
State: IL

Complaint narrative:
On Tuesday XX/XX/2021, {$8900.00} USD was withdrawn from my bank account from XXXX, I do not have a XXXX account or know anyone that have one. Additionally, I received {$100.00} USD from MoneyLion. I did my own research and the {$100.00} was their sign-up promotional. I did not authorize the sign-up for moneylion. I have contacted my bank, and now I would like to file a complaint about XXXX  and MoneyLion. I never authorized any of it, I don't even know the moneylion account that was supposedly made under my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
XXXX XXXX closed my account without any notice. I never received a notice to use my card this year. 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 explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I received a inquiry notictification for on XX/XX/2021 for XXXX/Aspire. 
I did not place an inquiry or request an application. The application was placed fraudulently and I am requesting the application be canceled and inquiry removed from my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NV

Complaint narrative:
There are some accounts on my credit report that do not belong to me. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
The companies involved are Carrington Mortgage Services , LLC, XXXX XXXX and XXXX XXXX Loans. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

Carrington Mortgage 's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by XXXX XXXX Loans in XXXX and sold the XXXX XXXX ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. Carrington has been servicing this loan since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Holding Funds On XX/XX/XXXX I went to my home bank in XXXX, Georgia and spoke with the lead teller, -- -- --. I informed her my visit to the bank was because my account was restricted. XXXX asked if I filed as an XXXX or XXXX XXXX. I told her I filed as a XXXX XXXX and that I have a listed dissolved XXXX, to show proof of business since XXXX. As we waited for my documents to be approved, she ensured me that the government was holding my funds. -- -- -, with a very condescending voice, wanted me to know that Chase was not involved in my account being frozen. I informed her ; I was able to withdraw funds on XX/XX/XXXX. She rudely responded, You should not have been able to pull those funds out. I was automatically met with poor customer service and treated like I was at a check cashing business and not my personal bank. 
XXXX -- -- - informed me that the legal department would not accept my documents ( Schedule C, loan documents ) and to call the SBA and ask for an EIN number dated before XX/XX/XXXX. I tried to explain that the Small Business Administration does not assign EIN numbers and filing as a schedule C ( XXXX XXXX ) my social security is my tax ID, which is written, as such on my schedule C. According to section D : Employer ID number ( EIN ) ( see instructions ) If you do not have an EIN, leave line D blank. My business qualifies as an eligible entity under the CARES Act : An individual who operates under as a XXXX XXXX, with or employees, or as an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: GA

Complaint narrative:
Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.

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 2021-04-07 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: GA

Complaint narrative:
Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.

Company response to consumer: Closed with explanation