vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I was a customer of Chime Bank an online bank company for over 3 years. I had a checking and savings account which had XXXX in them. I changed my phone number and email address via the app they have and they determined that was suspicious activity. I provided all the documents they asked proving who I was and they still closed my accounts and informed me they didn't have to return my money. And they still have kept it please help me I gave kept all the emails with documents I sent them ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for a mortgage refinance with Bank of America and was informed that my credit has to be at XXXX and it is currently at XXXX. I have been a customer with BOA for 14 years and I am considered a platinum preferred customer based on the amount of funds in my accounts. Every time I have applied for anything at this bank I have been denied and Im sure its because Im a minority. I have been informed that my credit score actually has to be at least XXXX per other lenders. I have also been discriminated against years ago when I applied for employment. I will be taking my funds from this bank as well.

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 2021-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
i recently check my credit report on XX/XX/2021 and notice national credit adjusters had a alleged debt of {$1200.00} that i didn't owe nor had any relations with. this is causing me grief and suffering and credit denial from this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
1. I talked to customer care onXX/XX/XXXX

2. Sent an email to fraudulent dept. of speedy cash on XX/XX/XXXX3. Talk to Collection agency on XX/XX/XXXX. Ask me. ' whatever you like can do '.

4. Sent Letter to CFO of Speedy cash on XXXX To Mr./Mrs XXXX XXXX Dated XXXX XXXX Chief Finance Officer Speedy Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


Reg : Fraudulent activity in my Name/ Amount {$2000.00} and {$5600.00} on XX/XX/XXXX & XX/XX/XXXX respectively. 
1. I had an old account in speedy cash when I was in XX/XX/XXXX. Now it is blocked.

2. I leftXX/XX/XXXX 07 years ago. I am surprised, how the transaction took place? Involvement of inner staff can not be rule out as well as an identity theft.

3. I spoke to customer care executives, they say transaction took place online.

4. If it is online, then which bank account amounts were deposited, please verify and inform me.

5. Without contacting me how it had gone to collection? Only now {$2000.00} had gone to collection, But, {$5600.00} is with them, not yet send to collection.

6. I want collection accounts are removed immediately from credit bureaus.

7. For this mental agony, harassment, disrespect why I wont take the matter to appropriate authority?

8. You need to improve customer services, they are casual. I sent an email to your fraudulent department, no reply. Please look into my case on priority basis and do the needful at your earliest.
Regards Copy to : Ad Astra Recovery Service. 
XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC
State: MO

Complaint narrative:
A company called DNF Associates LLC, has started a lawsuit against me for a debt that I have no knowledge of. They have hired an attorney who has started the lawsuit in Missouri and I have no idea what it is for who I owe money to and why I have not had anything sent to me in the mail or been contacted by DNF Associates.

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 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I received a letter in the mail today XX/XX/XXXX from a collection agency stating that a letter was sent to my address 30 days ago and it is stating I owe money to XXXX, I do not owe the company any money or any item I have never received the company is more than aware of the matter, they have been communicated with since last year of XXXX and is requesting for money owed and my bank has already given my money back from XXXX almost a year ago. Please stop sending threatening letters and tactics from the collection agency that you all are sending false information stating I owe for an item you all are more than aware that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
on XX/XX/2021, i sent a letter to LVNV FUNDING about a alleged debt of XXXX that i do not owe nor have relations with. please assist me in this matter of handling this inaccurate information reporting falsely on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im reaching out because I decided to look at my credit because I wanted to start the process of getting a home and I see some student loans on there that are not mine. I dont understand how this Is even possible being that I didnt even graduate high school so I dont know some student loans could be on my credit. I filed a complaint with the FTC like my friend advised me to and I contacted the police here. Im doing this on my own and need some help. The student loans are US Dep Ed, Dept of Ed/XXXX, DPT ED/XXXX and 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 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Amsher collection company for XXXX XXXX XXXX. I have had and kept insurance that pays my hospital bills. Year XXXX I had 2 insurance that pay medical bills. Collection disputed removed but disputed allowed back on credit report without reaching out to me. Removed XXXX put back on account XX/XX/XXXX In addition in past2 years sought to resolve collection which okayed and clears through XXXX but collection company has kept account despite the fact. I have 2 primary physician at XXXX. That I see every 3 to 6 month.,, Co pay are paid at the time visit .Never able to get full explanation over billing mostly for routine visit .I am disputing neg reporting amsher collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to my bank to apply for a credit card and was denied. I went home and signed up for one of those credit reporting company and I see accounts on my credit that I dont know nothing about XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I reached out to the FTC and the police. I really need some help im doing this by myself.

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 2021-07-31 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: IL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-07-31 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: GA

Complaint narrative:
I went to my bank to apply for a credit card and was denied. I went home and signed up for one of those credit reporting company and I see accounts on my credit that I dont know nothing about XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I reached out to the FTC and the police. I really need some help im doing this by myself.

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 2021-07-31 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: GA

Complaint narrative:
I went to my bank to apply for a credit card and was denied. I went home and signed up for one of those credit reporting company and I see accounts on my credit that I dont know nothing about XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I reached out to the FTC and the police. I really need some help im doing this by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: GA

Complaint narrative:
The other consumer reporting agencies have removed and blocked the inaccurate accounts that were being furnished on my consumer report. I have attached the proof that they have done so. I expect that this be processed immediately so that I do not endure further damages from your reporting of this inaccurate information. Your failure to positively verify these accounts thus far has hurt my ability to obtain credit during this pandemic which is unfair to me and my family.

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 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted Experian on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person Experian had no written consent from me to furnish this XXXX XXXX account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that Experian remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
1-I have been making extra payments to the principal and my mortgage lender doesn't apply it in the right time, they put the money on my mortgage loan at their convenience, 2-beside that, I requested the cancelation of the escrow payment in my mortgage bill due to they don't pay in the right time period or sometimes they make 2 payments to complete 1 of the property taxes, when they took my money already to make those payment, 3- after I was approved of the cancelation of the escrow payment in my bill, there was remaining money the mortgage lender was suppose to have refunded me so I can make the next property tax bill payment and since XX/XX/2021 Gregory Funding , has not sent me any money back. The total of {$410.00}.

4- I have been making many calls to Gregory Fundings customer service and nobody will help me, they alway say ... oh I will escale your case, oh I will call you back to follow up your case, and never happen, they don't care about the customers at all 5- On the bill statements they put the money on suspense-unapplied, so they don't put the money in the correct day of the mortgage payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
ON XX/XX/2021 I Requested that NCB Management Send me the Original Agreement for this allege collection account XXXX Any promissory note attached to this agreement Along with the 1099 -OID for this alleged debt if it is not medical debt.

They sent in the paperwork that had no signs of my own, It is against the statute of frauds of South Carolina - " Statute of Frauds SECTION 32-3-10. " Agreements are required to be in writing and signed. ( 5 ) To charge any person upon any agreement that is not to be performed within the space of one year from the making thereof ; Unless the agreement upon which such action shall be brought or some memorandum or note thereof shall be in writing and signed by the party to be charged therewith or some person thereunto by him lawfully authorized. '' NCB has yet to produce anything that resembles a contract yet they keep contacting me with this alleged debt as if they have the right to I want this alleged collection account permanently deleted from all of the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
i check my credit report on XX/XX/2021 and notice IC SYSTEMS, INC had a alleged balance of XXXX for me that i do not owe so i responded with a letter of validity of debt for them to send me the information concerning this 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
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i reponded to south mississippi collection services, inc with letters for some alleged debts of XXXX, and XXXX that i do not owe nor have relations with and i asking for assistance in resolving this matter.They have neither responded with me since i sent the letter off by certified mail with return receipt tracking # XXXX and i have attacked a copy for my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a XX/XX/2021 dated correspondence from PORTFOLIO RECOVERY ASSOCIATES, LLC stating a debt obligation requires satisfaction. It is not now nor has it ever been my intention not to honor any debt obligation that I owe. In response to this presentment I sent a correspondence outlining the documentation and verification required of PORTFOLIO RECOVERY ASSOCIATES, LLC in order to honor this debt obligation that PORTFOLIO RECOVERY ASSOCIATES, LLC claims that I owe. I created this response on XX/XX/2021 and it is received by agent on XX/XX/2021 at XXXX XXXX  via United States Postal Service certified mail tracking # XXXX XXXX XXXX XXXX XXXX. In response to my correspondence PORTFOLIO RECOVER ASSOCIATES, LLC sent a XX/XX/2021 dated letter that failed to document and verify the debt. In my correspondence I made it clear that I would require a {$2500.00} counsel fee for each time the debt collector contacted me if they were unable to document and verify the debt obligation as required by federal and state law. I believe the name of the woman during a phone conversation on XX/XX/2021 was XXXX XXXX. She claimed to represent the debt collector and she attempted to coerce me into agreeing on a recorded line that the debt in question is valid. She claimed that she would be bringing a manager to the phone line but no manager ever spoke on the line. These practices only further demonstrate that PORTFOLIO RECOVERY ASSOCIATES, LLC is engaged bad faith practices. Filing this complaint with the Consumer Financial Potection Bureau is my only recourse short of litigation to protect myself from the unfair dealings and deceptive practices of institutions like PORTFOLIO RECOVERY ASSOCIATES, LLC. In a previous complaint I was contacted by an attorney who filed a complaint with the Supreme Court against such an agency. I welcome that such an invitation if it exists in this case as well. Thank you for you time and concern in this matter.

Company response to consumer: Closed with explanation