vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
I received a notice in XXXX from my lender LoanCare stating I would need flood insurance. This caught me by surprise since no one in my neighborhood had received any kind of notice from their lenders. I have multiple family members that live in the surrounding houses. I called LoanCare and let rep know that I would like a copy of the map used to identify my home in a flood zone. I asked what I would need to provide the company to remove food insurance from my mom if I was indeed not in the flood zone. The rep said just a mas showing I was not in the zone. I located my property on the FEMA website and again it showed I was not in the flood zone. I then then received the map from the lender again showing I was not in the flood zone. I called the lender and talked to a different rep about the flood insurance at this point the lender had already placed forced insurance on my loan which I was not happy about since the map sent to me by the lender showed I wasn't in the flood zone. I called lender and talked to someone saying I needed call FEMA directly to get a statement from them. I called FEMA and they said it would be up to the lender to remove the flood insurance and I could submit an application to get an exact map since maps pulled from lenders are only approximate. I called the lender and gave them the info I received from FEMA. At this point my property taxes were due XX/XX/XXXX but of course there are not enough funds in the escrows to cover this. I explained how I was frustrated due to the fact that everyone had given incorrect information about everything. The rep then asked me to call FEMA again and said I would need a statement from them saying I was not in the flood zone and if I was able to get the statement same day they could request the flood insurance to be removed same day. I called FEMA once again and the rep was super helpful and said I would need to submit the application to pinpoint my location for the flood zone but that could take any between 45-60 days which at that point my current lender would have placed the forced insurance anyway.

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 2021-11-10 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: NY

Complaint narrative:
I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, fXXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections. My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. I have tried credit repair bureaus and have sent numerous documents to all three credit-reporting bureaus that included-in the case of XXXX XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections. My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. I have tried credit repair bureaus and have sent numerous documents to all three credit-reporting bureaus that included-in the case of XXXX  XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.

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 2021-11-10 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: Mercedes Benz Financial Services
State: MD

Complaint narrative:
I am a victim of identity theft. My personal information was used to obtain credit without my knowledge. I notified all three bureaus in writing via USPS priority mail several times in XX/XX/XXXX. Both the inaccurate addresses, as well as fraudulent accounts still show on my profiles. My rights have been violated as a consumer and I am requesting legal action to remove those accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I picked up the car from the dealership XXXX XXXX. I have a XXXX XXXX XXXX. My loan was through Westlake Financial and I paid the car off XX/XX/XXXX. I was told I would have the title by XXXX XXXX. I been reaching out everyday for 2 months and no one have helped me or gave me an update about when I would be receiving my title.

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 2021-11-10 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 XXXXwho is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied 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. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
On XX/XX/2021, Certified Mail Package ending in XXXX was sent to NATIONAL CREDIT SYSTEMS regarding the account reported on my consumer credit report, for the amount of {$1800.00}. There has been no official rebuttal to my Affidavit of Truth, this company remains in violation of laws that govern US commerce. This company reported the account as closed on XX/XX/2021 to XXXX, updated the balance only, still inaccurately reporting this account on XX/XX/2021 to XXXX. The failure to comply with law pertaining to consumer credit has caused me and my dependents great harm. This account remains unverified and should be deleted immediately from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: GA

Complaint narrative:
I have sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I called Fortiva about my amount that was due as I always do each month. This was done on XXXX the XXXX, XXXX.It was reported that my balance was XXXX which I do not have more than a XXXX. Not only this but that the last charge was XX/XX/XXXX. Which was posted XX/XX/XXXX? Whats wrong with this picture? Not only did I not make the charge but why did this not raise a flag with Fortiva? Maybe unauthorized. I had paid XXXX, and XXXX payments early and above the minimum payment. Where did those payments go????? I was about to make a monthly payment when I heard this on the automated recording. Got with a live customer service 3 times on the phone Never got it straight nor could anyone even mention where my payments had gone nor even comprehended fraud ; I continued to call to straighten out. with zero help. I will not pay Fortiva another dime.. Is this company a wash? A false credit card? please help me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Transaction Amount : {$250.00} Date of Occurrence : XX/XX/2021 Description of Incident : I was looking to buy tickets to the Minnesota XXXX XXXX XXXX off of XXXX  using the below link. The link is still active now. I called the man, who went by XXXX. We talked for a while as I used to live in the XXXX area and he was telling me he was there at the time of our conversation. He could speak very well to the details of the area so I knew he had to be there or be from there. He also had a XXXX telephone number. Given the XXXX were playing the XXXX XXXX in Minnesota I didn't think anything of it. He said he would transfer the tickets to me as soon as he received the money. I used Well 's Fargo 's XXXX service to send him the money as we were on the phone together. He then said he needed to receive a code from ticket master, the ticket broker, to send me the tickets. He said they were calling him to give him the code, then hung up and never called back. I called him back numerous times to no avail. I also text him numerous times and he still didn't respond. I have the call and text logs as well. I contacted Wells Fargo and took the complaint process as far as it would go. They told me that since I voluntarily sent him the money that there is nothing they could do. My point is, there is a man using their services to commit crimes by defrauding their customers. And I can provide hard evidence. They have all of his account information and transaction history to take appropriate action to investigate the man and put a stop to him using his Wells Fargo account to defraud people and yet they refuse. This man will continue to defraud people using their services if nothing is done. 

This is the link to the XXXX ad and XXXX 's contact information. 

https : XXXX I have also provided some screen shots showing that i paid for the tickets via XXXX and never received them. Text conversations and phone records can be provided on request.

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 2021-11-10 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target Credit is reporting my credit card length and payments incorrect. I have spoken to customer service several times and they still are reporting incorrect status. It is showing on my XXXX that I have only made 56 % payments on time which is outlandish and very incorrect. 

I opened this credit card on XX/XX/2011 but target is not reporting any payments and saying NO DATA on my credit report. They need to fix this as its effecting my credit report and making it go down.

Target needs to fix my payments and show they have been on time instead of no data. This is hurting my score. 

Thank you for all your help, I am trying to purchase a home for my family and need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
Repo man came at XXXX XXXX  on XX/XX/21 to repo car. I've contacted finance company but haven't received any written statements and I've been locked out of my account online. They will sale my car on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
1 ) XX/XX/2021 -- Fraudulent Bill Received Attempting to Collect {$27000.00} 2 ) Debt Amount Not Owed Due to Fraudulent Billing by Creditor and Creditor 's Violations of the Texas Deceptive Trade -- Consumer Protection Act and the Texas Debt Collection Act. 
3 ) We filed CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. 
4 ) On XX/XX/2021 we received an ambiguously worded notice from CFPB informing us that it is unable to send the report to the creditor. 
5 ) We have informed the Creditor in writing that we dispute the full amount of the debt due to the Creditor 's billing fraud.

6 ) We have received numerous calls from ProCollect, a collection agency, which leaves unwanted messages.

7 ) The Creditor has ruined our credit for this debt not owed.

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 2021-11-10 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
For over two years Ive tried with both XXXX XXXX auto loan and Experian to resolve the incorrect information on my credit report to no avail its a perpetual circle that no one knows how to fix or care to XXXX XXXX has me as delinquent on Experian Credit Report and within bankruptcy when Ive been discharged from Chapter XXXX bankruptcy sinceXX/XX/XXXX also XXXX XXXX  was paid in full. When I called they have no history of my account I do not have the Vin number since the car was totaled a long while ago please help

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 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
XX/XX/XXXX, per the card holder agreement, I submitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. BNY Mellon received the documents XX/XX/XXXX ( see attached letter and proof of mailing ). 

XX/XX/XXXX, per the card holder agreement, I resubmitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. The letter provided my email as a form of contact, so we could setup a time to speak. ( see attached letter and proof of mailing ). 

XX/XX/XXXX, I received a letter from BNY Mellon dated XX/XX/XXXX indicating they could not reach me via phone and therefore closed my case. The letter provided the agents phone number. ( see attached letter ). 

XX/XX/XXXX, I called the agents number listed on the letter received 7 times and left numerous voicemails. I also called the BNY Mellon number listed on terms of agreement and requested fraud claim be reopened and for another call back. I then researched other corporate numbers for BNY Mellon and made numerous calls to regarding this fraud. See phone records attached. 

XX/XX/XXXX, increasingly frustrated I could not get in touch with a fraud representative, I sent another letter regarding the fraudulent/unauthorized activity and demanded an investigation. ( See attached XXXX  label/Receipt ). I also sent a copy of letter mentioned above to the return address on the letter received XX/XX/XXXX. 

XX/XX/XXXX, I submitted complaint to CFPB, which included all the unauthorized transactions ( see attached ) XX/XX/XXXX- BNY processed PART of the claim and I was refunded a partial amount XX/XX/XXXX- I informed BNY Mellon that only part of my claim was processed and relisted all transactions for easy reference ( see email attached ). 

XX/XX/XXXX- BNY Mellon confirmed they were processing the remaining transactions ( see email attached ).

XX/XX/XXXX-To date, BNY Mellon has not responded or processed the remaining portion of my claim. My attempts to reach out via email and phone have been ignored. BNY Mellon is in violation of regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
i have made several attempts to come to a reasonable resolution with US Bank. My forbersance ended XX/XX/2021. i have expressed that i am still in a COVID -19 hardship and my mother passed away so i am a XXXX XXXX to my Father. Also i myself contracted XXXX XXXX at my work place and have been diagnosed as a XXXX XXXX. Not to mention i am XXXX employee, which all XXXX  employee had to take a 10 % pay deduction due COVID -19. i have submitted all my pay stubs, proof of hardship, letter of explanation however the always deny my documents or state there is something missing. I true believe they are try to take my home from me by delaying my application. I have always made several payment throughout my forbearance, which never reflects my total amount owed to the loan. I believe US Bank is initially trying to foreclose on my home due to the amount of equity i have in it. To my understanding the government gave many banks ( US BANK included ) money to help homeowners keep their home and catch their mortgage loans up to date. Someone please expose these banks. 
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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