vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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: CA

Complaint narrative:
I filed a FTC  Affidavit report and credit report pertaining to a a data furnisher listed on my account XXXX XXXX XXXX. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with XXXX   immediately and XXXX it was removed from XXXX  on or around XX/XX/07 I gave the report attached. What XXXX XXXX then did was change the account number with Equifax to XXXX which allowed it to stay reported on my account and resubmitted it to XXXX   under this new account number and statement saying the account is current! XXXX  deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the XXXX   account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from XXXX with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the SBA I need it to be resolved immediately so I can reapply with the SBA so I can get back to business. I attached an updated FTC report with the new XXXX  XXXX account number and as per FCRA LAW 605B its should be permanently deleted from both Equifaxs and XXXX  credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with XXXX  its XXXX and with Equifax they are XXXX/XXXX, XXXX, and wise XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I filed a FTC Affidavit report and credit report pertaining to a a data furnisher listed on my account Comenity Bank/Victoria Secret. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with XXXX   immediately and XXXX  it was removed from XXXX  on or around XX/XX/07 I gave the report attached. What comenity bank then did was change the account number with XXXX  to XXXX which allowed it to stay reported on my account and resubmitted it to XXXX  under this new account number and statement saying the account is current! XXXX  deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the comenity account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from XXXX  with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the SBA I need it to be resolved immediately so I can reapply with the SBA so I can get back to business. I attached an updated FTC report with the new comenity  Victoria account number and as per FCRA LAW 605B its should be permanently deleted from both XXXX and XXXX  credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they  should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with XXXX  its XXXX and with XXXX  they are Comenity/XXXX, XXXX, and XXXX  XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
On XX/XX/20 I called in to discuss the debt. I have been under a lot of duress given that I am going through a divorce currently. I did not want to share that with them and just asked what I could do to resolve the debt via a settlement. I am stating I personally owed it or that the debt is valid, but given everything going on in my life, I just wanted to settle it and be done with it. 

I asked XXXX XXXX to see about what they were willing to settle for given my current state of mind. They disclosed the debt to him prior to him verifying and gave the mini miranda afterwards as well. They makes me very uncomfortable as that means anyone could call in. Secondly they gave me a very high offer and stated if I wanted it lower I had to give out detrimental information to myself. They refused to tell me the date the account charged off which now makes me wonder if this was out of statue. Very deceptive practices. In addition XXXX XXXX, atty rep, XXXX XXXX supervisor, and atty XXXX XXXX - stated that XXXX policy states that we must acknowledge that I would stay on the line in order for the conversation to continue. They would not move forward unless I acknowledge that. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Circle Internet Financial

Complaint narrative:
I would like to bring your attention to a serious issue I have with Poloniex wires that first took place on XXXX of XX/XX/XXXX to a FRAUD SCAM Broker : XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX - the Scammer. 

The funds were transferred utilizing Poloniexs services in the total amount of XXXX XXXX! I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Poloniex. 

My money was not in use for any actions ; it was simply transferred to the owners wallet account. Since I did not purchase anything and I did not invest in anything, my money was not in use for anything, and it was simply pocketed by the beneficiary account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit acceptance is working with me so far in regards to monthly payments during this covid pandemic, severe crisis. I'm concerned about the major interest and added of thousands of dollars on my loan. My XXXX  XXXX XXXX, 14 year old vehicle, with over XXXX miles, was agreed on at slightly over {$13000.00} at XXXX XXXX XXXX in XXXX XXXX FL. This is a used car dealership only. After looking over my terms after the deal was struck. My loan is now over {$22000.00}, thats a {$9000.00} in interest. Submitted refinancing request, not sure if it was received or reviewed. Not sure, but I feel that I'm over paying A LOT, for an old vehicle. Yet I will say Credit Acceptance had been working with my payments due to covid pandemic and I appreciate that, and thank you.

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 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I recieve unemployment from the state of Ohio. I was receiving my funds through the reliacard account assigned too me. I received the card back in XXXX and is still the original card. Not a issue with it at all. Until XX/XX/XXXX, I called customer service and they said my card was inactive due too verifying my identity. I needed too fax in 3 documents. Id.. social security number.. 2019 tax return. Confused as too why I proceed too send the said documents. Since than I've resubmitted these documents 5 times, 3 faxes, 2 mobile uploads. Finally on XX/XX/XXXX they accepted the documents and were processing them. I was told 24 to 48 hours and my card should be good. Since than nothing has changed. I called them today and was told the only update was that they were still processing them. I don't understand how they can do this or what the issue is. As a direct result too them blocking my funds I am stuck out of town and homeless. Need answers.

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 2020-10-06 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: LA

Complaint narrative:
I agreed to do a pay for delete with a credit card that I had with XXXX XXXX/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off XXXX XXXX did not delete the account like they said they would.

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 2020-10-06 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: LA

Complaint narrative:
I agreed to do a pay for delete with a credit card that I had with XXXX XXXX/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off XXXX XXXX did not delete the account like they said they would.

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 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
I have filed dispute with XXXX  and had no success I contacted the collector! ACIMA LLC and requested a proof of ownership with a original contract and they failed to mail me any original documents with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Company ignored several inquiries and requests for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I recieved my first email from LVNV on XX/XX/2020 requesting attention be given to a credit card account that I was unable to pay due to being unemployed. I remember thinking, how unprofessional it was to request payment be made for a debt at the very time COVID had started to affect employment, causing employers to shut down and stay in place orders were in place. At that time I was recieving only Welfare as income and food stamps as food. LVNV continued to contact via email at least once a week to place their payment before the immediate needs of what the pandemic had already caused. Statements such as Fullfill your obligation, resolve your responsibility, if you take care of matters now, then you can get back to what matters, just to name a few. The following is a list of dates this year 2020, that I recieved emails into my personal email account from LVNV, from the very first to current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have all emails sent from company and can forward if needed. Initial person of contact was XXXX XXXX, the XXXX XXXX, now its been consistently XXXX XXXX. I jus strongly feel this company have been extremely inappropriate to contact as much and say the things they do to collect a credit card debt when the main global concern at this time is COVID-19 deaths and continued loss of employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
My husband and I have a mortgage through Carrington MortgageLLC company it hasn't been reported on our credit reports since XXXX of XXXX They took it over XXXX XXXX I believe we were hacked and this isn't a reputable company. I put their wrong adress down not sure how to fix it it is Attention Carrington Mortgage DepartmentXXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX CA XXXX phone number is XXXX I spoke to a lady that said they didn't get our bankruptcy discharge which is Bull because we didn't file until XXXX discharged in XXXX and we have had 3 different lenders in 16 years almost 17 bought house XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I went into the branch to take power attorney papers twice and both was rejected! I wasnt notified that they had they own power attorney documents! After I went there on several attempts they mentioned they have they own power attorney after talking loud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I made a purchase from XXXX XXXX XXXX XXXX  XX/XX/XXXX. The purchase was for {$2700.00}. I was told that I could pay a small portion up front ( mostly taxes ) and finance the remaining amount INTEREST FREE over the next 12 months. 
I signed up for their credit card and was approved. 
They sent me my first statement and stated the amount I owed each month ( {$230.00} ). They stated a payment due date and I set up an autopayment which allowed them to charge my bank card the amount they set out on the date they set each month. 
These payments were made regularly with no issues until the last payment. They debited my bank card the remaining amount on my statement ( {$190.00} ) and then sent me an additional invoice the next month for {$420.00} in interest charges. I immediately e-mailed their customer service department asking someone to contact me by phone to discuss. They sent me a letter saying they had tried, but I had not received any calls or voice mails. I received a letter at the end of XX/XX/XXXX saying they had attempted to contact me. I phoned the customer service line XX/XX/XXXX when I received this notice to set up a dispute and received a letter later in XXXX. I sent another letter back XX/XX/XXXX and received another letter XX/XX/XXXX stating they would not support my claim. 
I have been trying to dispute this charge ( see attached letters and statements ), but they say I still owe this amount. They have continued to charge me interest on this during the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CORELOGIC INC
State: MI

Complaint narrative:
Dear CFPB, Please find my complaint against CoreLogic and XXXX for fraud ; misrepresentation, deceit, identity theft and other crimes. 

On XX/XX/XXXX I went to local tax office to check if XXXX paid for my taxes. 

XXXX XXXX had no records that XXXX paid my taxes - but it was done by CoreLogic who did it twice - in XX/XX/XXXX and XXXX, XXXX. In other words, as soon as XXXX XXXX removed XXXX from their MSP system, XXXX was unable even pretend to do any servicing functions. 

XXXX on XX/XX/XXXX told me that CoreLogic as their " tax vendor ''. 

CoreLogic previously claimed that CoreLogic has no relationship to my loan. 

Since CoreLogic is now my " tax vendor '', I demand CoreLogic to confirm their status as XXXX 's tax vendor ; identify which Company handles my escrow account ; and provide me the name of the company whom XXXX and CoreLogic are servicing. 

XXXX informed me that Servicing rights were transferred to XXXX ( but did not mentioned WHOM XXXX serviced from XX/XX/XXXX to XX/XX/XXXX ) XXXX  continue to insist that they PURCHASED my loan from someone whom XXXX can not identify. XXXX never mentioned any sales of my loan to XXXX. 

I demand XXXX to identify the Seller of my loan ; provide me a copy of release of my so-called " lien '' to the prior " owner '' of my loan and explain why this release is not recorded with VA as required by their rules. 

My checks are always cashed by XXXX  XXXX XXXX who deny any relationship to my loan ; and collected and processed by XXXX.. My taxes are paid by CoreLogic who bear to repeat deny their relationship to my loan. 

XXXX continue to pretend to be a SErvicer without ANY evidence regarding the establishment or current status of the account reflecting ownership of my alleged obligation. 

While I have a pile of evidence that XXXX  is merely an actor for hire to play " Servicer 's '' role hired by Investment Banks ; and the actual " servicers '' are CoreLogic and XXXX XXXX  who serves their masters ( investment banks ) and is willing to sacrifice itself and the self-proclaimed servicers to protect the King ( investment bank ). 

This means that all records, payment history and document handling does not originate with XXXX, XXXX or XXXX, but rather with XXXX XXXX and CoreLogic, who are actually answering to an investment bank who receives both proceeds from my payments and who pockets my escrow money ( taxes are paid by Corelogic from a pool operated by XXXX  XXXX XXXX received from sales of derivatives to investors ) And the investment bank ( here : XXXX  XXXX XXXX ) receives it as off balance sheet transactions that are actually revenue that is untaxed. This game has been played by investment banks for last 20 years.

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 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My bank would not issue a dispute in which I had made. I then was told that I was going to receive a credit within 10 days period it was over 20 days till I even received a email saying that I was not approved and then was told I would receive a email as to why I was disputed. To this day have not been refunded and have no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive tried several times to get a credit card limit increased but Capital One Credit Cards denied each request. Although I have an excellent credit and payment history, Capital One says my payments are too low. That reason is ludicrous! I make on time payment which are either amount due and/or {$10.00} over minimum due. I do not understand they provide a minimum due on due date and states we will not increase limit because you paid what told you to pay by due date. Doesnt make sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I requested a payoff quote and when I received it, it contained a late fee of {$62.00}. I called Freedom mortgage to inquire as to why there was a late fee and was told that they include it on all their payoff because they don't know if the payment will be made on time. I suggested that it was not right for them to collect a fee that was not yet incurred and they said don't worry, we will refund it if you are not late. I ask for a payoff statement without the fee and was told they would provide one for {$30.00}. I don't think its right for Freedom to collect a fee that has not yet been incurred and that there is no disclosure or explanation of the late fee nor is there a disclosure of the {$30.00} charge for a payoff statement.

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