vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: MD

Complaint narrative:
Basically I submitted a previous complaint XXXX with CFPB in regards to The Money Source not properly transferring loan payments to XXXX XXXX. The Money Source never transferred funds or provided actual proof such as a wire # or check receipt etc. I reached out to XXXX XXXX on XX/XX/XXXX and they still haven't received any funds and are expecting a XX/XX/XXXX payment. I have reached out to XXXX XXXX who was listed below at a POC for TMS and she has not responded to my inquiry. 

Here is an outline of the previous complaint ... 

XX/XX/XXXX Consumer Financial Protection Bureau Online Portal Re : Case XXXX To Whom It May Concern : The Money Source ( NMLS # XXXX XXXX ( TMS ) is in receipt of the complaint filed by Mr. XXXX XXXX XXXX the Borrower ) with the Consumer Financial Protection Bureau. Mr. XXXX complaint states that TMS transferred his loan to mortgage servicer, XXXX XXXX, but did not forward his XXXX payment. Upon receipt of the complaint, TMS conducted a thorough review of the account and determined that the loan was originated with XX/XX/XXXX on XX/XX/XXXX, with a first payment date of XX/XX/XXXX. The loan transferred to TMS on XX/XX/XXXX. The Borrower made a regular monthly payment of {$1900.00} on XX/XX/XXXX and additional principal payments of {$1700.00} on XX/XX/XXXX and {$1300.00} on XX/XX/XXXX. The loan was scheduled to transfer to XXXX XXXX on XX/XX/XXXX, at the full principal balance of {$340000.00}. Rather than being placed in a suspense account, the XXXX payment and principal were applied to the loan in error, delaying the transfer process and posting of the funds. The funds will be transferred to XXXX XXXX by Friday, XX/XX/XXXX. TMS has advised XXXX XXXX of the date of receipt of all funds so that they can be correctly credited to the account. The issue has been escalated to management for review of the payment posting and transfer process and addressed through training to ensure this does not occur again. TMS sincerely apologizes for the delay and frustration caused by this error. If you have any questions or need further information regarding this complaint, please contact me at XXXX. Sincerely, XXXX XXXX Vice President, Regulatory Compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
YOUR COMPLAINT Im filing this complaint against experian XXXX XXXX and XX/XX/XXXXcredit reporting agencies. All three bureaus. As I stated in my last complain. have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect outdated information on my credit report and about fraud .with letters via mail and hiring XXXX XXXX. Since XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. Dates are listed in this complaint. If you received letters please show the letters you received. Or else you have reporting wrong information to my credit report confirmed XX/XX/XXXX without my consent and not one of the creditors asked for that. I have been trying to and I have XXXX law that can verify that they sent you dispute letters, intervention letters escalating letters and alike. You havent responded to any of them. I will continue to file a complaint until you prove yourself with evidence. I can give all evidence to all attorney general office. The have paid sequence solution And they sent letters to update to all three bureaus that I have satisfied that debt. I have audio. XXXX XXXX has sent over a letter that I do not owe that debt. You failed to prove otherwise. Its a easy matter. You will one way or another. Whether to a judge and to attorney general office. You will be responsible for my legal 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 2020-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a permanently XXXX veteran who applied for a XX/XX/XXXX XXXX and was approved. My Navient accounts at that time were sold to another lender. Those lenders discharged those loans however Navient refuses to remove those loans from the credit report and its labeled as negative. 

I have disputed and contacted Navient and provided the documentation regarding my discharge with no assistance and no documentation as to why they can not reflect the discharge. 

NAVIENT # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Date Updated : XX/XX/XXXX Date Closed : XX/XX/XXXX NAVIENT # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Date Updated : XX/XX/XXXX Date Closed : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB- Citibank has misappropriated {$5000.00} of my social security funds in my savings account. I have no words to describe the emotional and psychological harm that this event has caused me. 

1. I have had a savings account ( XXXX ) with Citibank for a number of years. 
2. On XX/XX/2020, I opened a checking account with Citibank ( account number : XXXX ) 3. I transferred {$5000.00} from my savings account to my new checking account. These were funds that I received as part of my SSDI Spousal Benefit into my saving account. 
4. On or around early XXXX, I logged into my account and noticed that my checkings account was no longer showing up on my account dashboard. 
5. I went to Citibank at XXXX XXXX XXXX in XXXX XXXX, XX/XX/XXXX and spoke to the branch manager by the name of XXXX XXXX XXXX NMLS # : XXXX ). 
6. I asked her why my account had been closed and where my {$5000.00} in funds were. 
7. She did not have any proper information to provide me. She said that my account had been closed on XX/XX/2020. She did not know why the account had been closed. She suggested that the account my have been closed due to a Citi Sweep and that a check for {$5000.00} had been sent to my address. She made some calls and said she would open an investigation and that I should have my funds within 2 weeks. 
8. I asked her whether the {$5000.00} check sent to my address had been cashed but she had no information regarding the status of the {$5000.00}. She had no idea when the check was mailed out and whether it had been cashed. 
9. It has now been two months since I visited the branch and I have heard nothing from the bank nor have I received my funds for {$5000.00}. 
10. I can only surmise that the bank has misappropriated my social security funds for {$5000.00}. 

Given these Covid times, this is my only source of income and I am struggling to make ends meet while the bank refuses to send back money that I deposited into the checking account ( XXXX ). I still have no idea why my checking account was closed. Incidentally, my savings account continues to be operational and I have been receiving my Social Security funds into the savings account. The bank had no information why one account was kept open while the other was closed. 

I need immediate relief. I request you to assist me in recovering my {$5000.00}. This incident has caused me significant stress and health issues in addition to putting my financial situation in significant jeopardy. 

I also request that you take any and all appropriate action including any punitive action against this sheer malfeasance on the part of the officers of this bank. 

Sincerely, 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 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am sending this letter on behalf of XXXX XXXX XXXX, my mother, who has been hospitalized with a severeXX/XX/XXXXXXXX for the past 2 weeks. She was recently released and recovering from home. She has an outstanding loan with your company and requested the XXXX forms. She also requested that the branch stop auto debits. Instead of sending said forms, your local branch attempted to coerce my mother to refinance the loan. Then today, they informed her that she would need to come in to get the XXXX forms. This is unacceptable and is tantamount to an unfair and deceptive practice. I will taking power of attorney over her affairs until such time as she recovers. I am certain that the media, the State 's Attorney General and the CFPB, would be interested in knowing that your employees are engaging in the types of unfair and deceptive trade practices ; that is impededing customers with serious health conditions from filing XXXX claims on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: U.S. BANCORP
State: CA

Complaint narrative:
Payment was made using a bank account that had been closed due to identity fraud, I remedied the payment error but it was not within 30 days of the due date because I was sick with XX/XX/XXXX. US Bank is not willing to amend the delinquency report. They stated that they have consumer protections in place if you want a deferment but I did not need a deferment since I was sick and unable to amend the payment error within the 30 days.

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 2020-12-10 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: NY

Complaint narrative:
I am writing because I do not recognize the account on my credit report.I believe that I may be a victim of identity theft. I do not recognize theis account and have never incurred debt with these creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine.

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 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
This company keeps calling me - today they called my work phone and I answered the phone right away - when I picked up - they hung up on me, then turned around and called my cell phone obviously knowing Im at work, picked up said who I was and they hung up. this is unacceptable to call someone and hang up on them, and then call their cell phone - one you knew I was at work so could not call and 2 why call and hang up?

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 2020-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got several charges on my card thats why I asked for a replacement then even not activating my new card, theres again charges on it thats why I called the Capital One that im not going to use my new card. But still theyre collecting payments from me. 
im just using one credit card and that is XXXX XXXX Credit Card and im paying it {$500.00} to {$1000.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: VW Credit
State: CA

Complaint narrative:
I've extended my lease during COVID as I am on unemployment ( business has been closed since XXXX XXXX and it's coming due XX/XX/. I'd like to purchase the car but my bank doesn't do lease buy backs. I bank with XXXX XXXX. I asked VW Credit for another extension so I can buy time until my business can reopen and I can actually qualify for a loan as I will have income. VW Credit refused to give me an extension. So now I am forced to turn in my car I want to buy. I have paid on time with no issues. I need my car for when we reopen so I can work. Without my car I will not be able to work and reopen my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
Received a ReliCard from U.S. Bank in XXXX, CO regarding unemployment benefits from the state of Colorado. I never applied for unemployment/remain employed so think it is a case of identify fraud.

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 2020-12-10 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: CA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Our previous mortgage company XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX, NJ XXXX reported a late payment in XX/XX/2020. This is not accurate. They sold the loan to XXXX XXXX XXXX  XXXX  account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX AR, XXXX as of XXXX XXXX, 2020. We were in the process of refinaning when we were told that they had a problem. We soon found out it was reported incorrectly. XXXX did not have our loan in XXXX. We need this removed from all three credit bureaus. It is costing us money not refinaning and having to wait for this to clear. We have contacted XXXX  multiple times, spoke to plenty of person begining with a Mr. XXXX ID # XXXX on XXXX XXXX, 2020. We were promised a free form letter stating it was their error and a correction to our credit. Since the initial call on XX/XX/XXXX, we have place several calls were transfered to several departments. No one can help us and they have given us different answers.We have not received a letter as of yet. It is crucial that this situation is corrected as soon as possible. They should have never reported it late when they did not even own the loan at the time. It is costing us money daily that we can not refinance.

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 2020-12-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2020-12-10 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: NJ

Complaint narrative:
Hi, I'm a dad of XXXX. I have been working my XXXX off during this pandemc. I was always a stay away from credit guy but I have recently been more in tune with it because of current situation. As I look my report, I notice some fraud accounts and they aren't sitting well with me. I've sumbit the documetation to the federal and they tell me that I should follow up with the bureas of reporting. I saw that sectin 605 of law say that these accounts have to be remove from my report. I am not to good with computer so I did my best to upload my stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Some one used my information to get cash from Speedy Cash it was not me I believe Speedy Cash approved {$250.00} and now a Credit Agency - XXXX  XXXX is sending me messages that I owe {$300.00} When I called Speedy Cash to let them know I did not ask for nor receive money from them they told me to make a police report -- the hours that I work do not allow me to go to a police station to file a report -- the local sherriffs office is not open on XXXX. -- the credit agency told me to file with you so that's what I'm doing -- I did have some one try through the XXXX XXXX XXXX XXXX file for a bunch of dept. store cards online - XXXX  XXXX, XXXX, XXXX XXXX, to name a few so I think it might be whoever did that - XXXX XXXX  did tell me that they are the bank for XXXX to which I had a card I cancelled so I think this all a result of cancelling that card. -- Thanks -- I did not take a Speedy Cash loan wasn't me

Company response to consumer: Closed with explanation