vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In XX/XX/2022, I received notice via XXXX and XXXX of a collections account on my credit report. I contacted XXXX and reviewed my XXXX credit report to find a past due bill with XXXX reported in my name in the amount of {$1000.00}. 
At that time, the collections account was managed by : ( I also contacted the collection Agency on XX/XX/2022 at XXXX speaking with a XXXX XXXX the first time and XXXX XXXX the second call. ) XXXX XXXX XXXX XXXX Amount of debt : {$1000.00} On XX/XX/2022, I received notice via XXXX that the dispute was resolved and the debt removed. 

Today, XX/XX/2022, I received a notification via the mail from Credit Collection Services ( XXXX ) Date : XX/XX/2022 Amount of debt : {$1000.00} I called Credit Collection Services to start a dispute but decided not to speak with anyone or enter my information as I believe this to be a scam. I will file another identity theft report with the FTC and local law enforcement. I will send a certified letter to the collection agency. I placed a credit freeze on my information last year and again in XXXX. I am so angry that the elderly are targets for this type of fraud. 

A legitimate collection agency should vet all of the collection accounts they assume responsibility for to include inquiring as to whether or not the debt was reported as fraud or identity theft otherwise, ( the collection agency ) is just another part of the problem. However, I do not believe this to be a legitimate company. The bill from Credit Collection Services was addressed to me by my maiden name... I am over XXXX and have been married for decades. According to XXXX XXXX who originally reported the ( fraudulent ) account as passed due, the account was opened in my legal ( married ) name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
I have sent letters to the credit bureaus about my ARS accounts that do not belong to me and the hospital did not bill the insurance company. These accounts belong to someone else and I have told them several times that I am not responsible for the balance. I have not received the original documents to verify that this account belongs to me.

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have chase as a bank my card was lost/stolen in XXXX i noticed some charges I did not do and I called my bank and told them what happend I told them XXXX last transaction I told them exactly where I lost my card and told them the transactions that were done on my card I feel sad and very unsafe because Ive had this account for years. I filed a claim and they denied it the first time they filed the claim incorrectly so I had to file the claim again and then they credited my account days later I checked my account and they reversed the funds told me my claim was denied leaving my account at XXXX dollars I explained to them these transactions were not made by me I was told they can not do anything to help me that VISA denied my claim so Im very confused and frustrated as to why my bank is not protecting my account and they are doing nothing to credit my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: NE

Complaint narrative:
I have contacted XXXX XXXX XXXX to remove a deragotary on my credit and they refuse to do so. I have even files a review with the credit agencies to no luck. please remove asap!

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 2022-02-25 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: Continental Finance Company, LLC
State: NE

Complaint narrative:
I have contacted Continental Financial Company to remove a deragotary on my credit and they refuse to do so. I have even files a review with the credit agencies to no luck. please remove asap!

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 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am attempting to secure a mortgage after the fraudulent foreclosure in the XXXX XXXX Georgia records.I need the Litton Loan mortgage transfer documents from Ocwen/PHH and XXXX have failed to provide those documents on numerous occasions. I need the notice from Litton regarding the new servicer Ocwen and effective date. I need a copy of the letter Ocwen sent our regarding their servicing of my mortgage loan from Litton, to include the amount of loan balance and contractual obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My mortgage with XXXX XXXX XXXX  was sold to Chase in XX/XX/2021. I already had a credit card account with Chase, and because of shoddy web programming I can't sign up for their mortgage web portal. I have had no luck in contacting them by phone, after literally hours on hold, and several calls. I wrote them an email, their response was to ignore my complaint about my mortgage, and put a hold on my credit card. 

The one time I *was* able to reach them by phone, they hung up on me. 

My mortgage bills QUITE CLEARLY STATE : Convenient and easy ways to make your payment : " Enroll in automatic payments at www.chase.com or back of coupon statement Make your payment at XXXX '' I was under the distinct impression it is a violation of Federal law to make false or misleading statements on debt collection instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I recently applied for an Apple card through Goldman Sachs Bank USA-based an invitation from XXXX. I submitted the information, a copy of the driver 's license. Over a period of 7 days, I received information that my identity could not be verified. So I resubmitted the information and again I got the message about my identity not being able to be verified. I contacted XXXX XXXX XXXX and they could not explain why such a statement about identity could not be verified. That is critical because I need to know why. XXXX XXXX XXXX communicated that it is related to the information that is reported by the credit agencies. I was told that they would escalate this and contact me to discuss their findings. As of today, XX/XX/2022, no one has contacted me from Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX Re : Navy Federal Credit Union NFCU knows I am a XXXX Veteran. NFCU knows, my information was sold to the dark web. Received calls from NFCU XXXX twice XX/XX/22 at XXXX, XX/XX/22 at XXXX and XX/XX/22 at XXXX. Sent a message via the message center asking why NFCU was calling so much and never leaving a message? I then requested that NFCU only communicate via the message center. Navy Federal Credit Union 's response was " Ms. XXXX. We understand that you would like communication only by eMessage or message center. To process this request, you are welcome to delete your phone number from your profile. Regarding the calls you received, we will be glad to assist you, but we need to learn more. In your reply, please advise how you learned the calls were from Navy Federal. We hope to hear from you very soon. '' What type of employees do you have working at NFCU to provide such an alarming unprofessional response? I am not a debt slave and NFCU already violated the Electronic Fund Transfer Act ( EFTA ) by stealing {$1500.00} out of my account and it was put back in my account after my CFPB complaint. Now NFCU is violating the Telephone Consumer Protection Act ( TCPA ) with masked robocalls.

NFCU violating and harassing members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.

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 2022-02-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
This company failed to address my complaint, lied and are non responsive. 
Last complaint XXXX The provided false statements in written form and are trying to extort money from us. 
XXXX is the 'escalations analyst ' that wrote the false statements. The number she provided for contact results in dead end! 

The attachment covers it all!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company

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 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS RELIABLE LENDING LLC
State: MN

Complaint narrative:
I had been a part of the covid relief program with my mortgage company. Once it was finished they said I needed to make 3 on time payments in a row and they would renegotiate the loan. After making 6 on time payments they had not sent out the new paperwork to sign. I had called them every two weeks asking where the paperwork was. I continually was told don't worry and just keep making my payments. They finally sent the paperwork XX/XX/2022 which was a Friday. The bank was closed by the time I got it and Monday the XXXX was XXXX XXXX banks closed. I immediatley went to the bank Tuesday XXXX the XXXX and got it signed and notorized and mailed it back in the fed ex envelope provided. That next day ( XXXX ) NRL Mortgage called me and said they were issuing new paperwork because the time ran out??? I should not have to keep playing this game. I need this paperwork done and recorded so I can refince my mortgage with a different lender. I am being penalized because they took 3 months to send me the paperwork and when they did the time ran out?? This is unacceptable and I want it resolved immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have requested that this company update my personal information multiple times and they refuse to do so. By reporting misinformation they are leaving me susceptible to identity theft. I would like my profile to be updated to show only my current address.

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 2022-02-26 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 requested that this company update my personal information multiple times and they refuse to do so. By reporting misinformation they are leaving me susceptible to identity theft. I would like my profile to be updated to show only my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My Credit Card Account ( Schools First Credit Union ) was sent to the credit bureaus as a 30-day late in XX/XX/2022 which took my score down XXXX points with XXXX. 
I was issued two cards one with a $ XXXX limit and the other $ XXXX limit. One of the cards was compromised and a new one needed to be issued. After receiving the new card, it was not automatically set up on auto payment as the one it was replacing. Unbeknown to me their new website would not roll over the same auto payment information from the previous card or let a member set up auto payment anymore. Therefore, I called to get it all straighten out. I spoke to a person that told me the best thing to do was to combine the two cards that way it would only be one card. So of course, I agreed, then come to find out they kept the card that had previously been reported 30 days late. For some reason they are the only ones that can process automatic payments on their side. I disagree to have a 30-day late reported on my credit reports, due to it was not my fault they upgraded their system and without my knowledge my cards were no longer on auto pay.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
on XX/XX/XXXX I ph. in my mo. mortgage pmt. to lonecare on XXXX, XXXX another pmt. was deducted from my bank acct. O/D it, I called my bank was told L/C took out both , I call L/C why the extra payment was taken out that I did not auth. it took one week and hrs being put on hold going thru dozens of depts. to get a answer found out someone put my acct. on auto pay, Instead of sending back one pmt. that would have solved the problem and my XXXX pmt. would be posted some genius sent back both, I went thru the same hoops to get a answer another genius said my acct. was all payed up thru XX/XX/XXXX I knew better but they just said don't worry. It is now XXXX, my XXXX pmt. is late more ph calls still no answer now time to pay XXXX so I sent in a double pmt. and now Im all payed up right? my bank stmt, show all pymt. were made but somewhere in between XXXX XXXX. I got a mystery check in the mail called L/C to find out what it was for, its back to the same drill as why the check? the only ans. from them was cash it. I since have pd. for XXXX & XXXX. But now they told Im behind a mo. also raised my mortgage pmt. almost XXXX I have called them again & again their only answer is to fill out tons of paperwork to get a mod. or something I filled out one they sent me but not good enough! they need more info but I can't find out what, I'm XXXX and scared of these people and don't trust them, every time I call it just gets worse, I know there is a simple way to fix this, but they won't listen, this has made me phy. sick since last XXXX cant sleep its on my mind day and night I feel helpless

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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/22 Ad Astra Recovery Services Inc. gained access to my checking account and I am unsure how they did it but they wrote themselves out a payment check for the balance I owe Speedy Cash ( speedy cash sold my debt to Ad Astra ) of {$590.00}. I did not give anybody permission to do that nor did Ad Astra have a court order. I called Ad Astra today ( XX/XX/22 ) in order to find a solution to paying of my debt and was basically told by the woman I spoke to that it was an attempt to collect a debt and that they had sent letters and had called me about AND that if I didn't resolve the issue they would basically gain access to my account again and attempt to take out the money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company

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 2022-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS Account Resolution XX/XX/2021 {$1100.00} XXXX is the companys number, This debt is not mine, I have zero knowledge of this debt and have not done any business with any companys to which I owe anything. I dont know how they got my information, i believe they are committing identity fraud and some how obtained my private information. 

This is affecting my financial life ruining my credit by placing a debt collection on my personal account. I have zero knowledge of the account. 
Need collection and account removed immediately.

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 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Company Stated It Would Be Best To Close My Account After Paying My Debt That Ive Had With Them. While I Also Had The Full Balance In My Bank Account To Pay Them They Told Me Since I Have The Option To Settle The Debt For Less That Its Best That I Also Just Settle It With Them. Two Things Happened Which Are Harming Me From Obtaining Fair Future Credit With An Auto Lender, The Account Showing Up On My Credit Report Being Closed, And Also Showing That It Was Settled For Less. Its Giving Me Troubles Trying To Obtain New Credit For An Auto Loan. The Bank Discover Is Also Refusing To Accept The Remaining Balance That Made The Account Settled For Less They Tricked Me And Its Harming My Future. This Is Extremely Unfair Credit Reporting. I Was Jobless At The Time Which Is What Caused My Credit To Not Be Up To Date And Paid Correctly, But When I Received The Funds The Bank Told Me To Pay Less Instead. I Just Want My Life In Order And They Made It Worse Instead, If I Could Find A Fix Or To Delete This Account Permanently Off My Credit Report This Would Be Great. Please This Is Extremely Unfair

Company response to consumer: Closed with explanation