vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
On or about XX/XX/2020 I received my 1st notification from Carrington Mortgage stating they will know be serving my loan. My loan was previously serviced by XXXX XXXX  whom my last notification from them was on or about XX/XX/2020 stating they had all documents and in process of loan modification. Neither XXXX or Carrington Mortgage notified me prior to the transfer. This is part of a long list of complaints. On XX/XX/2020 I sent Carrington Mortgage a letter requesting to utilize my rights under the CARES ACT and requested a COVID-19 forbearance on my mortgage loan by mail and through Carrington 's Portal. The next day I log in Carrington has updated the portal which stated Covid 19 assistance from XX/XX/2020 until XX/XX/2020. Carrington 's backdated my request to XX/XX/2020 please be mindful that Carrington 's did not have my account on XX/XX/2020 and XXXX was still working on my loan modification. Also if this were correct which it is not Carrington 's would have been unlawfully charging me fees under the CARES ACT. I have a long list of fees that Carrington 's charged after the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a customer of Bank of America that ( due to Covid ) is collecting unemployment. On XX/XX/2020, I attempted to transfer funds from my unemployment EDD prepaid account to my regular checking account ( transaction ref # XXXX ) and accidentally entered an account number ending in XXXX, instead of XXXX. I realized this error 2-weeks later, I contacted the bank ( Bank of America ) and filed a transfer error claim. I received a letter two weeks later stating there was no error, and I needed to contact the merchant/individual that I transferred the funds to. I don't know who received the funds I transferred because I do not do business with this individual. I have made several attempts to resolve this issue with Bank of America, but all they do is take notes and transfer me to various departments.

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 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
This complaint is with pay pal! i used pay pal to make a payment for a purchase! after doing intensive research of the website email provided online reviews i noticed that this may be a fraudulent website created by a very suspicious persons name i contacted pay pal but there is no one to help and resolve this problem they opened a case and said that i did in fact purchase something from that website and yes i did but after like i said doing intense research i have found out that this web site is fraudulent account as it appears! the shipping number in pay pal system is used from a prior completely diff purchase how can that happen when the seller should not know such info?! there is no live person that pay pal provides to speak with I HAVE NOT RECEIVED THIS ITEM AND TRYING TO ALERT EVERYONE ABOUT THIS PERSON!!!!! AND I WANT MY MONEY BACK!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I recently owed a debt to an apartment complex that I once stayed In. when I paid the debt trans world systems said I owed an additional {$750.00} that I know nothing about so when I disputed them it showed that I won the dispute but it still brought my score down and I want it removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including twXXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
In 2019 I lost my previous place where I was living. In the judgement with the court the managers were awarded the property only and not an monetary amount. After going back and forth for a year with the company. They finally gave me a move out statement. The amount the company is saying i owe is incorrect. I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A bank of america account keeps showing as late on my report and that is incorrect. this account has been holding me back financially for some time and this is the last straw. i have no consented to this when i was opened and it was not in around for years. I demand a viable resolution.

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 2020-06-18 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: AFNI INC.
State: OK

Complaint narrative:
Account Name AFNI, INC. 
Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX This is not my debt. I have asked numerous times for the debt to be validated with my signature or any legal way. The other Credit Reporting agencies removed it, but XXXX  and some others wont. I have no idea what this company is or what the debt is, And I want it removed immediately. They had 30 days to show proof of debt of ANY KIND, and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CT

Complaint narrative:
Mortgage lender can not pull my credit report form Equifax. Has tried multiple times. The first on XX/XX/20, XX/XX/20, and again on XX/XX/20 She is getting a message saying " input SSN mismatch : does not match what Equifax has on file. 

I spoke with Equifax for 2 hours on XX/XX/20. They assured me they had the same information and erased an alert on my account. They told me my lender should have no problem pulling my report going forward. However the next day she got the same message. XXXX  and XXXX  come through fine. 

This issue is holding me up from getting approved for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citi credit card information was stolen and used to make 6 fraudulent charges on XX/XX/XXXX. I noticed this on the XXXX and immediately notified citi bank. I also notified them immediately a few weeks later, when I started receiving some of the fraudulent items in the mail. They are trying to pick and choose which of the 6 charges are fraudulent and have not opened cases on the smaller amounts, even though i've requested via phone. All 6 charges are from similar scam sites that sell health/diet pills. A few responded to citi trying to say they were legit. The receipts they provided actually proved they were fraud. The receipts had a fake email and a public IP address from a different city. Even with the proof of the order being placed from a different city and fake email citi is finding in favor of some of these merchants when they are all the same fraud charges, committed all at the same time. I will provided email and IP/receipt information. Please also see the XXXX   links I provided to citi in emails, which shows this type of fraud happening to others. These are the charges and you'll also see them in the statement. Citi bank owes me a total of {$520.00}, as I am not responsible for fraudulent charges regardless of the type of fraud. So far they have not returned any of it and are trying to find in merchants favor even with proof of fraud. 

XXXX XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX FL {$170.00} XXXX   XXXX FL {$19.00} XXXX  XXXX FL {$29.00} XXXX XXXX FL {$77.00}

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 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Company rep. from Global Radius Solutions LLC has called every day since XX/XX/XXXX XXXX it is now XX/XX/2020. I have called and spoke to the rep. and they said its a cold calling system and it can't be avoided. have already agreed to pay {$500.00} a month due by the XXXX of each month and the payment usually gets posted a week prior to that date. every time they call no one leaves a message and I call back to see whom has called, it always a different phone number but same company. I block the number each time.

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 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
There are XXXX XXXX XXXX, XXXX XXXX , & GM Financial Inquiries from XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
There are TD Auto Fin, XXXX XXXX , & XXXX XXXX XXXX from XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY 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 2020-06-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY 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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: CO

Complaint narrative:
Repeated calls continue from this company, they are calling my relatives for being 3 days past due. Needs to stop. I have placed a complained before and they continue doing it. They call 5 - 7 calls per day on my phone and wife 's phone. I am making my payment each month, not on time however, never past 30 days, I asked for help before they did not do what they say they would. They just want to make sure they numbers look good that's all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are inquiries from Syncb/XXXX, XXXX, & XXXX XXXX   on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.

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 2020-06-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I discovered inaccurate data on myself when I logged into my Experian credit agency account. In an attempt to get the data corrected I searched Experian 's password protected account logon web page for a feature that would allow me to update my data but there was not such a feature to be found. I then tried calling the various phone numbers they listed under " Contact Us '' to talk to an agent but was never given the opportunity to reach anyone. And their automated phone system did not allow me update my data myself. Once you navigate through their phone system menus the automated voice simply says " good by '' then hangs up on you. 

While logged into my account I also wanted to confirm that I had a freeze on my Experian credit rating. Yet, my Experian account window I found no notification of any kind that confirmed my credit freeze was in effect. Only by very difficult navigation through their automated phone system menus was I able to confirm that my credit freeze was in effect. 

Experian listed what looked like and contact email address or a website " XXXX '' that I could reach them at. But it turned out not to be a valid email address or website. 

I finally determined that the only way to communicate with Experian was by writing them a hand written letter and including copies of such sensitive information as my drivers license and my Social Security number. They also required very difficult information to provide such as all the addresses I resided at for many years back. 

My complaint is that Experian collects consumers ' most sensitive information, makes a profit providing this information to businesses requesting it and has tremendous influence on their customers ' financial wellbeing yet they provide extremely poor services and support to assist their customers to make sure their data is correct and managed properly. Consumers are completely at their mercy of these credit agencies like Experian with no reasonable way to communicate with them about their credit information. Since this problem affects all Americans in every state, I feel it would be appropriate for our Federal Government to impose better standards for all agencies in the credit rating industry. 

XXXX XXXX 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 2020-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I have attempted repeatedly to phone the company that has appeared on my credit profile damaging my ability to obtain credit for my business. No one ever answers. I get a recorded message that states to leave my name and number due to COVID 19. I never received service from the original creditor, nor have I received a bill or statement from either the original creditor listed or the collection agency. Date 1st reported XXXX and updated XXXX for the amount of {$1200.00} by Midwest Recovery Systems, LLC via XXXX XXXX XXXX XXXX. I have been trying to validate the debt unsuccessfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Navient Solutions, LLC.
State: DC

Complaint narrative:
In reviewing my credit report I noticed a couple of discrepancies. Subsequently, I reached out to Navient and inquired about the status of my loan during the time that the delinquencies were reported ( XXXX XXXX & XXXX XXXX ). Their correspondence to me confirmed my initial thoughts which were that my account was in forbearance beginning in XXXX of that year until XXXX of the same year, XXXX. After receiving their correspondence I wrote to have the two delinquencies retracted from my credit history. Their response was that they would not remove the inaccuracies because the delinquencies occurred before the forbearance start date. However, as indicated in their previous correspondence my forbearance spanned from XXXX till XXXX and the inaccurate reporting occurred in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXXI responded to a Birthday XXXX XXXX page on XXXX for a friend. I submitted {$25.00} to XXXX XXXX XXXX. When the transmission was complete, I was charged {$250.00}. I immediately contacted XXXX XXXX XXXX via XXXX in XXXX, NC. They informed me that they could not do anything until the funds posted. After a week, they called me back and stated that do to them being a non-profit I would have to go back to XXXX. I contacted XXXX through their on-line help center and got this and that. I was asking for my return of {$220.00} to no avail. I made a dispute with my bank J.P. Chase last weekof which they denied advising that the transaction was correct. My question is this was an incorrect donation and I want a refund of the erroneous amount.All 3 parties XXXX, XXXX XXXX XXXX and Chase Bank are not being responsible or accountable. I have since found out that there are other complaints on XXXX about donations. Your assistance is deeply appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Since XXXX we have been dealing with the financial corporation regarding the Tax Exemption of XXXX XXXX   XXXX Veteran, and within our escrow account they were to remove county taxes, we have been doing this since XXXX. Today I went online to see if the correction has been made on the account and they did put us as exempt BUT, our payment amount is still the same and has not changed they have done this to several people VETERANS and Ive been trying to fix this and have made so many phone calls and still nothing our payment remains the same when it should be almost 300.00 dollars less and its so frustrating at this point in time. Can someone help with this or get these people to there dang job right. They can not be collecting taxes from someone who is tax exempt.

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 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
There are inquiries from XXXX, Brclysbankde, & XXXX XXXX   on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.

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 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There are inquiries from XXXX, XXXX, & Jpmcb Auto on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC will not allow by personal account to be linked to the third party payor/app XXXX.

Company response to consumer: Closed with explanation