vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i did check my transunion  i seen alot inquiries i didnt even authorize
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XXXX  Resurgent Capital Services called regarding a couple of debts I owed. XXXX was legitimate and we paid that bill, the other was for an account that is not mine, a debt that is not mine. This supposed debt is from XXXX, charged off in XXXX. They are trying to collect {$8200.00} for an account that is not mine, I never had any credit card at that time, but is also XXXX XXXX XXXX. 
I told them the debt is not mine and they sent it to review and immediately sent me a paper notice that it was indeed mine. At the time I was on the phone with them the woman advised me to file a complaint with the CFPB. They had also said all communication about this must be in writing now, which is fine. I sent back their form that I was still disputing it when the form and review letter arrived. 
My concern, besides the age of the debt, is that it is not mine to begin with. It shouldnt be on my records at all because its just not mine. They also still email and text me several times a day, despite having unsubscribed and asking to switch to paper for all communication. 
Thank you very much and have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
In XX/XX/23 ( 14 days elapsed today ) I paid the total balance of my card, my money was debited from my bank account, but my credit limit, 2 weeks later, still doesn't reflects the payment. Synchrony has been using my cash for two weeks, without reflecting the payment in the available credit. 

Bear in mind that my payment was a money transfer from a bank account to Synchrony, we are not talking here about waiting for the clearing of the fund, which is the excuse that Synchrony use. " Since it is a significant amount we put a hold in the application of the payment ''. The funds must be cleared at least 10 days ago. In the meantime, Synchrony is withholding a debt that does not exist to charge interests eventually. 

I think that the CFPB should consider this ilegal appropiation of funds, not just to receive a superficial, non valid answer as to the waiting period to apply a payment. In summary this should be considered as appropiation

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 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: MO

Complaint narrative:
21st Mortgage Corporation 1 ) refused to provide statements during term of mortgage. Said coupon book was the only thing we needed and my mortgage " did not qualify '' for statements.

2 ) processed payments randomly after receipt. ACH payments not applied on date of reciept, but could be many days after. Checks sent exact same day every month direct from my bank were applied a variety of different days. ( see attached payment history ) 3 ) refused to accept any electronic form of signature from refinancing corporation, and made the process of refinancing harder by refusing to give a payoff amount to the new mortgage company 4 ) refusing to allow the mobile home financed to be affixed to the land while 21st had a loan on it, which would make any form of refinance or sale impossible. Insisted that the mortgage had to be paid off to them before any affixation could occur. New refinancing mortgage company had to work with title company to come up with a solution so new mortgage could be processed. Otherwise any sale or refinance would have been blocked.

5 ) if payment applied and did not clear my bank ( could be any random day up to weeks after payment was made ACH ) 21st locked out all forms of payment except for bill pay through a bank or calling and making a payment with the loan officer over the phone. All onine access or automated phone payments to make a payment was blocked for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or 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 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I got a notification on My phone from XXXX for {$16.00}. This charge I had no recollection of authorizing. I call Chime to dispute or stop the transaction. Chime informed me that I could not do anything about this, because the charge was still pending. I Chime customer service informed me that I could call XXXX XXXX try to get the charges stopped or refunded. So I XXXX XXXX and I hit the first link I saw it said XXXX Customer Service this the phone # XXXX ( XXXX ) XXXX. Someone answers an says how can I help You. I tell them about the unauthorized charge from XXXX the XXXX  rep. says he can help with this. He says in order to refund you I need to download XXXX. I'm not computer savvy like most people are today. I do as ask & he also walk me thru the process of installing it into my phone. Once installed the XXXX  rep. says he is transferring me to their refund department. Once there a XXXX XXXX XXXX answers. I tell him about the charge. I have been on the phone for close to 30 minutes at this point. The call was bad & disconnected. However the XXXX XXXX called back from phone # XXXX. We continued speaking about the charge & that I wanted it canceled. He said he could help an asked is the XXXX & my Chime account open. I reply yes. He tells me all my account funds must be in my checking. I ask why. In my Chime account I had checking : {$56.00}, credit : {$93.00} & savings : {$1400.00}. Which totalled {$1500.00}. At this point he had total control over my account. He moved everything in checking. I ask why. His reply he is just doing his job & said the money will be put right back. My wife over hears this and says this sounds like a scam. We notified them that we were calling the Police, which we did after I called Chime. This is where I have an issue with Chime. Chime would not stop the {$1500.00} transaction saying it already went thru. Even after I told them this is a scam/fraudulent transaction. I couldn't stop the XXXX charge because it was still pending. I can't stop the fraudulent scammers transferred because it went thru. Which is it? Any other Bank would of stopped the transaction or credited back my account. I also sent Chime a Police Report I filed with the XXXX Police Department for the fraudulently scam case # XXXX. Chime has rejected my claim three times. I talk with Chime Reps. across the world to no avail or I can not understand their language. I understand how this may look. However in the moment all I was trying to do was stop the unauthorized charge of {$16.00} & thought I was talking with XXXX. I have never had any fraudulent activity or is this a recurring issue for Chime to have denied my claim. I honestly hope this issue can be resolved. I have been a loyal customer of Chime. However it seems they do not value that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they are not mine and I have no knowledge of them. I am invoking my right under USC 1681g to have these accounts deleted from my credit report within 15 days. Kindly refer to the documents attached for verification.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hello, Experian XXXX XXXX DO NOT care about deleting old addresses that show up in my credit profile from 2 to 23 years ago. I currently live in my retirement home at XXXX XXXX XXXX XXXX XXXX, COLORADO XXXX. The old addresses DO NOT have anything to do with me. 
My previous address for the last year and half is what is on my driver 's license. All other addresses DOES NOT pertain to me but they will NOT listen to delete them. 
Hope this will be taken care of seriously. 
Thank You. 
XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MI

Complaint narrative:
XXXX claims they have no time limit to refund escrow from paid-off mortgage. 

Refinanced, and closed on XX/XX/XXXX. Funded new escrow out of pocket, was assured the prior servicer would refund my existing escrow account. Previous mortgage was paid off in full. Sadly, I have been out several XXXX dollars for weeks now. I've delayed car repairs, and foregone contributions to retirement due to this. This expense was not anticipated during the cash-out refinance process. Am I entitled to lost gains on the amount due to the excessive delay? 

I made several calls to the prior loan servicer ( XXXX, formerly The Money Source ) throughout XXXX. It has now been a month since closing. No plan of action was provided which would ensure I received my refund inside the requisite 20 days. When I ask them how long they are allowed to take with this process, their response is that there is no time limit, and that it's their policy not to make any guarantees. All staff have told me to just keep waiting, and the next time I should call back keeps getting increased. Although they had such delays even getting the disbursement task assigned and started, they have laughed off suggested alternatives to XXXX ground mail, such as funding the new escrow or using the direct deposit system I used with them for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I became delinquent with a Care Credit/Synchrony Bank account in XXXX ; my last payment to them was XX/XX/XXXX. Care Credit cancelled the debt and issued a 1099-C on XX/XX/XXXX. The reason stated on Box 6 of the 1099-C is " G - Decision or policy to discontinue collection. '' However, they have continued to report this debt monthly to all three credit bureaus. Their reporting to the credit bureaus says I still owe a balance of {$3700.00}, the account status is Charged Off, and that I am 120+ days past due. I have disputed this multiple times with XXXX and XXXX, and they continue to " confirm '' that I still owe the debt. 

I contacted Care Credit/Synchrony Bank multiple times, but they failed to understand the problem. I even offered to pay the debt in full if they would stop reporting this debt to the credit bureaus, but they refused my payment because I do not owe them any money, and they mailed me a copy of the 1099-C they submitted in XXXX. 

One agent last week finally understood that it's impossible for me to be past due or hold a balance on a debt that no longer exists, and he stated he documented my account thoroughly and the situation should be resolved. 

Yesterday, however, they responded to my dispute with XXXX by saying that I still hold a balance on my account and that I am still past due. 

This debt has been cancelled. It no longer exists. The 1099-C was filed with the IRS and appears on my IRS Wage and Income Transcript from XXXX. They sent me another copy of the 1099-C last month. They know I no longer owe this debt, but they refuse to stop reporting the nonexistent debt to the credit bureaus. I don't know how to make them stop.

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 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report. 

In XXXX, XXXX XXXX XXXX acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. XXXX XXXX XXXX applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX  points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.

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 2023-05-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

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 2023-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
I am writing today about a vehicle I had with Volvo Car Account # XXXX This vehicle was in a car accident Which was declared a total loss which insurance paid out yet on my credit report it states I still owe {$1900.00} Which is not accurate. I have tried to get this resolved with Volvo direct without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am unable to get an annual credit report from Equifax or from my online Equifax report account .When I call Equifax , they tell me they can't verify my info even though I have given them my social, name, dob and told them current credit cards, monthly payment amount loan balance amount and with who. I want the possible fraud alert removed when creditors try to access my report, I have tried in the last few years to fax in the request along with my DL and social security card they still refuse to take this off my credit report. I have been denied credit because of this. in XX/XX/XXXX my XXXX XXXX XXXX ran a report and was denied access XXXX XX/XX/XXXX, world finance tried to pull my report and was told possible fraud and was denied access to my report. Same thing in XX/XX/XXXX and XXXXEquifax has merged my credit report with a lady name XXXX XXXX. Email is attached as proof from EMAIL. 
Dear XXXX XXXX, As a reminder, we've completed your Equifax credit file dispute, and you can view your results online. Your dispute results will remain online for 16 days. You may not be able to access your results online after XX/XX/XXXX. XXXX XXXX  XXXXXXXX XXXX - Reminder : Your Equifax Credit File Dispute is Complete about : blank. 
Your Equifax credit report dispute confirmation number is XXXX Please correct and release my credit report to XXXX and XXXX XXXX ASAP and fix my credit report errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NV

Complaint narrative:
There is an account on my credit report from a gym called XXXX, XXXX XXXX XXXX XXXX. The information states the I had an account with this gym and that it was not paid. I never had a membership at this gym and never signed up for any membership at this XXXX. The account is not mine. I have sent letters to all three credit bureaus as well as the collection agency explaining that these accounts are not mine and they have still not removed the incorrect information.

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