vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: PA

Complaint narrative:
Good afternoon my name is XXXX XXXX there are addresses and inaccurate debt that happen to appear on my credit my file a dispute the XXXX of XXXX I followed up a month later to see if they would remove the inaccurate information they did not so I followed up with another call to dispute it over the phone they again failed to remove the 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 non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Requested XXXX months forbearance during summer XXXX due to health. Resumed making house payments XX/XX/XXXX and every month after till the Month of XX/XX/XXXX when SunTrust terminated my Auto Pay and refused to accept my XX/XX/XXXX payment by phone, saying I owe for XXXX months of payments because of something called reallocation. When I explained this to my Loan XXXX with Bank XXXX XXXX, she and her VP of Refinance said I should contact you and a Real Estate Attorney in Texas for help. I have sent in XXXX Loan Modifications only to have everyone XXXX returned due initials not on new pages they would sneak in. Now I am going to send in the XXXX Loan Modification tomorrow. 
XXXX XXXX XXXX XXXX XXXX has spent XXXX months of Refinancing for me and SunTrust has blocked and refused to receive my forbearance at the closing table, that was the deal. Tried to get my recorded phone conversations with the agreements, they refuse to.

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 2021-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I already reached out to the credit bureaus and to CAPITAL ONE and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is XXXX real '' but as of the moment, no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I paid this Debt very recently they stated to me if i pay in full they would delete from my credit filed I paid in full and now they stat they don't do that after I already paid the full ammount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: FIRST FINANCIAL BANCORP
State: WI

Complaint narrative:
I applied for a loan online and several companies contacted me via telephone to do the loan process prior to XX/XX/XXXX. The company claiming to be XXXX XXXX XXXX  paid off XXXX of my credit cards in the sum of {$1100.00} stating they were doing so to make sure that I was responsible enough to repay them. They had me repay them by purchasing gift cards and sending the cards to them electronically. The payment of {$1100.00} is the only transfer of funds from them that hasnt been returned/refused/taken back. I was then approved for a loan and {$4600.00} was deposited into my account on XX/XX/2021. At that time I noticed funds were being transferred both in and out of my accounts. I applied for a second loan through a company claiming to be First Financial Bank, in the amount of {$5000.00}, then a deposit of {$4800.00} was put into my account on XX/XX/2021. The funds were made available by the bank after XXXX day, at which time I began using the funds. The next day, I was informed that there was a check from a law firm that had been altered. The company I applied for the loan online had access to my bank account and had me return funds to them saying this was the process to assure my bank account was good because it had reversals in it so some of these funds were returned to them saying this was the process for approval, once the check was cleared after XXXX  days by the bank, I was under the impression the loan was okay, but later found out that it wasnt and it was a scam. I then contacted my bank to try and find out what was going on to bring them to justice. 
Both Financial Institutions were out of Ohio, XXXX was claiming to be XXXX XXXX XXXX, the other was claiming to be First Financial Bank. If someone can contact me asap about this at XXXX 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 2021-05-13 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: AZ

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
Navient is calling my work phone multiple times a day. Sometimes they call back immediately if I decline the call. The calls are Robocalls and because it is not my debt, I have no way of making my way through their automated system to get in touch with anyone. I have called an left messages and emailed asking them to stop. I had to take the time to listen to and delete every single one of their useless voicemails. I have never had any dealings with Navient or any student loans from ANY sources. I sent an email to every email address available on their website and finally got a response stating that they would need time to " research my concerns ''. In the meantime, they continue to call and leave messages. This has been going on for a year. That's a minimum of 260 voicemails. More if you count the days they call more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I refined my home with XXXX XXXX mortgage on XX/XX/XXXX. XXXX XXXX title company XXXX XXXX XXXX did the settlement. Title company sent the funds to Mr Cooper on XX/XX/XXXX and they did confirmation that funds were with drawn on XX/XX/XXXX. Mr Cooper still shows my loan and active as of today and my payment is due on XX/XX/XXXX. As of today two mortgage companies are holding my loan. I called multiple times to Mr Cooper customer service and they are saying they didn't receive pay off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2021. i, the consumer sent a letter in respone regarding innaccurate and unknown things on my credit report.To this day over 39 days later. I have not recieved a response yet. I feel as a federally protected consumer I am being taken advantage of and being ignored of dispute and rights. Section 611 ( a ), It is plainly stated that a failure to invesitgate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 39 days. So, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the enormous amount of stress you are causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Link Management, LLC
State: OH

Complaint narrative:
I constantly keep receiving texts from someone claiming I owe a debt to this company. I have never received correspondence by mail in order to verify the accuracy of this debt. Some number just constantly texts me. I will not respond to a debt collection text message. Its not safe nor does it protects the privacy of me as a consumer. Once I receive a correspondence by mail, I will then verify the debt before proceeding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
2 years ago I had to pay off debts to get my first house. I called they stated to me that if I paid in full that would delete the credit file on all 3 credit reports which they didn't and its holding out family back from buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I contacted TransUnion to let them know two accounts had been opened in my name and the person attempted to get a car in my name on several different dates. The representative said she could only address the items from the last 6 months which that is not right. I feel that because there were so many she didn't want to help me. I should not have to keep inquires on my credit report that I did not do & this is against the law. Your credit report is only supposed to have things that you have done not anything that has been added as a result of fraud. The inquires for XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX. Some one just kept attempting to get approved from different places for a car in my name. I did not do this and this information is not being reported accurately as it says you should by the law. Please delete all the items that I have listed above. 




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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: PA

Complaint narrative:
Good afternoon my name is XXXX XXXX there are addresses and inaccurate debt that happen to appear on my credit my file a dispute the XXXX of XXXX I followed up a month later to see if they would remove the inaccurate information they did not so I followed up with another call to dispute it over the phone they again failed to remove the 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 2021-05-13 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: PA

Complaint narrative:
Good afternoon my name is XXXX XXXX there are addresses and inaccurate debt that happen to appear on my credit my file a dispute the XXXX of XXXX I followed up a month later to see if they would remove the inaccurate information they did not so I followed up with another call to dispute it over the phone they again failed to remove the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had a loan with XXXX XXXX that was refinanced on XX/XX/XXXX. On XX/XX/XXXX, the escrow company wired {$380000.00} payoff funds to PHH. We did not make the XX/XX/XXXX payment, so we called PHH to confirm if they had received the funds. They were not able to send confirmation and said that it would take XXXX business days to receive and apply the wire to our account. Since we didnt want to get a late credit report hit, we made an additional monthly payment on XX/XX/XXXX. 

As of XX/XX/XXXX, PHH had still not applied the payoff to our account, and we noticed only because I checked my online account to confirm the loan was closed. I called PHH to ask why. They told us that the funds were short {$2000.00} but they never contacted us or the escrow company nor returned the funds, they held to them. The amount that they say they were short is for taxes that they removed from our account but did not pay to the county, and furthermore, they had an additional payment from us, we are not short paid, they have excess funds from us. From XX/XX/XXXX to now, we have called numerous time XXXX both me and the escrow company ). We have sent them all the necessary documentation that the front-line customer service representative requests, but they do not do anything to fix the account and apply the payments. We were told that our case is with XXXX XXXX, the escalations manager and XXXX XXXX XXXX, the manager of the department. Every time I call for the last month, I get a promise that XXXX will give me a call back by the end of the day or even 48 hours and never does, it has been a month. As of now, I have not been able to speak to anyone that can give us a resolution. Not even a call back to say they are working on it ; they simply just do not call back. Also, as of now, even though I have asked multiple times that this should not be reported as negative credit, they have reported us late. It is very frustrating, and not sure if its even legal that they can keep such a big amount of funds in a suspense account and keep my account accruing interest and late fees.

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 2021-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have been banking with Chime since XXXX. My chime account was hacked twice last Tuesday XX/XX/XXXX. I received a text message that my email and phone number had been changed on my chime app. I tried to log into chime and it said that I was using the incorrect log-in. This happen once at XXXX XXXX then again at XXXX. It was after XXXX and when I tried to contact Chime via phone the system didn't recognize my number because it was changed. The first time the $ XXXX was stolen Chime was able to reverse the transaction right away and give me my fund but the second time the money was gone. I sent an email to support but didn't receive a response. I was finally able to contact chime the next morning and spoke with a representative that advised me that {$10000.00} was transfered out to found and to open a dispute and XXXX change my informtion back to mine. Since then I've sent over 20 emails and spent over 10 hours on the ohine. I called Chime back only to get bounced around from person to person because the correct information was not updated in their system and they couldn't verify it was me. I finally spoke with XXXX in disputes who had me send in a photo of my ID and SS #. We filled out a dispute and I was notified that I would receive a provisional credit with 10 days, XX/XX/XXXX, is the date she gave me. XX/XX/XXXX, I received an email that Chime was closing my account for " Behavior that was not in compliance ''. Now every time I try to call I get an automated response that my account is closed and I can only contact them via email to their support. It's been 1 week and I haven't seen any resolution nor have I receive a provisional credit. It's just unfortunate that it was so easy for a hacker to access my Chime account in the first place. It seems as if there are more precautions that they hand agains me the actual ownthanthen the one who got access to my account. I just got a response from Chime from a rep name Pualie stating, " Regarding with your dispute ( XXXX ), I looked into the status of your dispute and see that you were not eligible for provisional credits due to the type of dispute you filed. Unfortunately, we do not have any additional information to provide to you and I apologize for any inconvenience this may cause. We will notify you through your email once we have an update for your claim. Thank you for your patience while we continue your investigation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Nelnet, Inc.
State: LA

Complaint narrative:
I already reached out to the credit bureaus and to USDOE/GLELSI and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment, no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting a discharged bankruptcy on my credit report.I asked for method of verification. Never received it. I asked the court do they verify with third party they said no. Therefore if court said they do not share this information how could Equifax legally report bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Nissan Motors Acceptance Corp, my lender, sold my debt to XXXX XXXX XXXX ( XXXX ), a credit collections agency sometime after I defaulted in XXXX or XXXX. I contacted XXXX to settle the debt and they agreed to accept a settlement and report the debt as " paid in full ''. 

However, now in XXXX, although XXXX shows it paid in full, Nissan is still showing a balance in excess of {$3000.00}. They advised that they do show the debt as " settled '' but maintain that though they won't collect the $ XXXX that they will continue to report it as a balance due. This completely contrary to the agreement I made with their agents at XXXX and contrary to the specific verbiage provided for in my settlement letter from XXXX which reads : " ... your account will be shown as settled in full and final compromise of the debt. '' I believe Nissan must honor this agreement and report my debt as settled in full as agreed to with VRS. I also believe that they are in breach of FTC reporting laws, which I have advised them at least twice on a recorded line. 

CC : Nissan Motors Acceptance Corp Nissan Motors Accept Corp XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Recovery Solutions LLC
State: MI

Complaint narrative:
Hello, On XX/XX/XXXX, I received 2 phone calls and 2 texts. The 2 texts stated that " documentation has been received including my name and SSN ''. The same day XXXX received a voicemail at XXXX XXXX from a guy by the name of XXXX ( pronounced Read-in ), phone number XXXX, stating that he was an Identity Monitoring Specialist from some so-called " Benefits Service Center '' and he had information that needed verification and to return his call. I did not return this call due to it sounding like a scam. 

On XX/XX/XXXX, XXXX XXXX from " ARS '' at XXXX XXXX called from XXXX. She claims to have my credit report in front of her stating that I owe money to an account already paid. I have looked at my XXXX, XXXX, and XXXX to prove that the account mentioned was not on the reports. When I asked for a letter VIA mail ( rather it be USPS, XXXX, or XXXX ) she responded that letters have been sent and I had 30 days to pay and it would be a waste of time to send a letter. She told me to provide proof that it was paid off. To my understanding, I believed that the debt collector was obligated to provide and/ or have all required information regarding the said account. She failed to respect my request so in return I respectfully told XXXX that I paid the account and I am not paying something twice. Not to mention she was very rude towards the end of the call telling me " is it really that hard to get proof from 13 months ago ''? She told me goodbye and hung the phone up before I could complete my portion of the conversation. 

Another company told me the account was closed back in XXXX meanwhile this company is stating its been closed for 13 months. 

I will not be another victim of a scam and will ignore all other communications with this company. 

The company they state I owe will not allow new lines of credit if one owes a debt. I've made future purchases with this particular company and would only be possible if past debts have been settle/ paid.

Company response to consumer: Closed with explanation