vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
CFBP - closed my complaint ( XXXX ) without checking with me first. My issue has NOT been resolved. 

The letter sent from the servicing provider TOLD YOU that I the customer was to just call the office of the customer at XXXX xt XXXX ( XXXX XXXX ) I did this and was locked into an eternal phone loop that went NOWHERE. 

You may not follow up on this but YOU DIAL the number and see if you get a person. 

This FRAUD is continuing to go on ( because they KNOW CFBP won't do their jobs so it is easy to make fools of them ) and I am writing it here so there is a record to show that consumer complaints are only treated with a quick/weak close with NO INVESTIGATION and you only take the BUSINESS side. 

Try calling the number and extension. Its a small test to VERIFY my complaint that there is no service and the CFPB is not doing anything to actually help the consumer/customer. 

Apply my mortgage payments to the month I pay them instead of trying to ruin my near perfect credit and laundering or hiding my money to pay for their predatory lending practices. 

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: FL

Complaint narrative:
I have been working with XXXX XXXX for over a year. Every so often they do a back ground through the company checkr. In this case Checkr falsified information about my background by adding criminal charges to my back ground. The name of the person does no match my name, the address does not match, nor does the county of residence match. This is clearly wrong information. I have emailed checkr twice, called once, as well as went trough their " dispute '' process with no response. This has caused me to get fired from my job. I want my report fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
we have submitted several request to the courthouse and to the Bureaus about a bankruptcy reporting on my credit. As per the courthouse has advised that they do not report to the bureaus. I writ two letters to the Bureaus advising that they are violating my privacy rights. I am protected by the law and have rights to my privacy. It is Illegal for the Bankruptcy to be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX after I turned XXXX, I discovered that someone has been using my identity to create accounts and I have collections and inquiries on my reports. I have reached out to all 3 companies and provided all of the documentation that they requested and it has been over 30 days and they have not removed any of the information. There was however a security lock placed on my account asking to call a number first before extending credit and the number is not mine so whoever stole my identity is still using it. I need these credit companies to clear my record and stop reporting false information.

They have done nothing but help the actual fraudster yet I've submitted my social security car, my birth certificate, my police reports, pieces of mail, and my ID. I do not know what to do and they are of no help to me and I do not want to start my life in the hole because companies decide to report on me w/o verifying anything. There's a XXXX  XXXX  account and 3 car collections and 33 inquiries, I wasnt old enough to do any of this. 

I need this remedied immediately. What can I do? Can I sue the credit companies?

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 2021-08-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have filed numerous disputes about XXXX  XXXX  XXXX. They have placed a fraudulent collection that is also too old to be on my report but equifax keeps verifying it as accurate even though it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MD

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 3 Bureaus 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have not been able to get in touch over the phone with my bank to discuss the overdraft payments assessed to my account for XX/XX/2021 {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$68.00} XX/XX/2021 {$68.00} and XX/XX/XXXX {$68.00} totaling {$300.00}. Due to the pandemic I am currently receiving unemployment assistance and trying to manage my money to pay all my creditors monthly and had a few mix-ups along the way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/2021 my XXXX XXXX Account was placed on hold. I was emailed on XX/XX/2021 by Chime Member Services that my Spending Account was closed after a recent review. The same day I emailed Chime Member Services asking why my account was suddenly closed with no warning after I had provided documents confirming my identity when the hold was placed on the accounts on XX/XX/2021. I was sent multiple automated emails from Chime on XX/XX/XXXX and XXXX and attempted numerous times to get into contact with them via phone, email, and social media where I was then blocked for hours after requesting help regarding my account closure. I was told by Chime Member Services as of XX/XX/2021 my account was " not in compliance with its internal policies and the member agreement executed at enrollment ''. To access any remaining funds further documentation was requested although I had sent those documents already and should have been on file. I continued to email and received no response from Chime. I repeatedly requested documentation from Chime to show how and when my account was not in accordance with their policies but I was refused and sent links to the policy and automated messages from Chime Member Services. I was told my Chime Member Service representative " XXXX '' that a check of the remaining balance in my accounts would be mailed. I have never received a check as of XX/XX/2021. I emailed Chime Member Services on XX/XX/2021 for an update on my check and was sent an automated message. I reached out again on XX/XX/2021 to Chime Member Services and received an automated message. On XX/XX/2021 I was told I was " ineligible '' for a refund of my remaining balance. I sent documentation of the email stating I was to receive the check with my remaining balances as stated a month ago. Chime responded they were " unable to disclose further information about the closure of my account '' and attached a link of their policy and have yet to respond further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: PA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have filed numerous disputes about portfolio recovery services. They have placed a fraudulent collection that is also too old to be on my report but XXXX  keeps verifying it as accurate even though it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: IL

Complaint narrative:
I initially opened a secured credit card with first progress bank, the security deposit was XXXX dollars. I had trouble making payments because they didnt take debit payments over the phone, overall many issues making payments in general, so I closed the account. Well I then pulled remainder of funds I deposited off the account and they neglected to close the account for many of months and charged me with XXXX dollars in late fees. Damaged my credit and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I paid off and settled my accounts to be removed with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax is still reporting those accounts on my profile and have failed to respond to numerous attempts for letters for validation on the status of the accounts being removed. I have already spoken with both creditors the in the terms of having the items removed. Its in complete Violation of my rights according to the FDCPA. Specifically, they failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt, another FCRA violation. Not only have you ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Account Name : Dept of Ed XXXX  Equifax XXXX  are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: MI

Complaint narrative:
Account Name : Dept of Ed XXXX  XXXX  Experian are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. 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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/2021, I applied online to New Rez Mortgage company to refinance my mortgage to a lower rate. My current rate is 5.25 %. I worked with Ms. XXXX XXXX and was doing what was requested of me. Out of the blue, I received a notice of incomplete application letter via USPS, dated XX/XX/2021. The letter stated certain documents were required that I needed to provide. I emailed Ms. XXXX on XX/XX/2021, expressing my concern about the lack of communication. My email was not responded to. I emailed the requested documents to Ms. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. To date, I have not heard anything else about my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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 — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
Account # XXXX - National Credit Adjusters - On XX/XX/XXXX, I settled this account through National Credit Adjusters. The account is paid in full and is closed. I am reaching out to request a goodwill deletion from all three credit bureaus. I filed a previous complaint with the CFPB regarding difficulty with having the credit bureaus marking the account down to {$0.00} and closing the account. NCA did respond with a letter to assist with the matter and I appreciated it. I hope that NCA will be able to grant the same goodwill for a goodwill deletion due to extenuating circumstances. I did attempt to reach out to XXXX XXXX, NCA 's Director of Operations, on XXXX and left a voicemail, but I have not received a response. NCA provided his contact information with the previous letter. I am a victim of a natural disaster where I lost my home in a fire in XX/XX/XXXX and I was laid off twice within the time frame of having this account. I am a single parent of XXXX children and I am speaking with lenders regarding purchasing a home for my family. I was told by having this account removed that I will be able to have up to XXXX points added to my XXXX score which would assist with my purchasing a home. I appreciated NCA 's assistance in the past and I hope the company grants this decision. I have attached the settlement letter from National Credit Adjusters, the XXXX XXXX reflecting that the amount was taken from my checking account, Red Cross Letter, police report from the fire, & the letter from NCA regarding the closed account. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Supreme LLC
State: NY

Complaint narrative:
XX/XX/2021 - This company Credit Supreme LLC guaranteed results within 30 days and did not deliver. I gave them 3 months to assist and they did not. They have no right to place a bill in collections on my credit report, we had a month-to-month agreement and I canceled. I did not sign a long-term agreement. I was not impressed with customer service, they never answered my questions but instead told me not to worry and danced around the question. Truthfully, if this collection is not removed, I will take further action. Because this was placed on my credit file, it has prevented me from buying a home, which I am in the middle of. This is ridiculous. Who are they? How dare they? This company is terrible, and they should not even be in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation