vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
on XX/XX/17 my Sister went to the doctor, my Sister was married at the time and of age she owes ( {$1200.00} ), the item that is on my credit report is from her going to XXXX XXXX XXXX in XXXX  -but somehow this is on my credit report I have disputed this with all 3 credit bureaus and called and spoke with the collection agency, Saying this isn't my responsibility, the Collection agency still refused to take these false charges off of my credit report Saying I am liable for the charges? ( fast forward a couple months ) I've reached out to them again with the same response they refuse to take these false items off of my reports. PHOENIX FINANCIAL SERVICES LLC is falsely and fraudulently putting these on my credit report and they have the same collection on my credit report multiple times as well. Company 's that are allowed to willingly do this to American citizens is a shame and shouldn't be allowed, this has stopped me from being able to purchase a house because I am being extorted for something I AM NOT FINANCIALLY RESPONSIBLE FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: ID

Complaint narrative:
I currently have a loan with Nationstar Mortgage LLC d/b/aMr.Cooper. I am completely current with my monthly mortgage payments but they reported to the credit bureaus that I made my XXXX payment late on XX/XX/XXXX when in fact it was made on time on XX/XX/XXXX and duly posted and credited to my account. 
I am in the process of trying to refinance this loan and when my mortgage broker brought it to my attention today, she said this very much hurt my chances for getting a refinanc Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I did a refi in XX/XX/2021 to lower my mortgage payment. The refi paperwork reflects my escrow account was fully funded & accounted for in the refi.

In XX/XX/2021, the mortgage company refunded me {$3400.00} as a surplus in my escrow account. My assumption was that the refi caused this overage. 
On XX/XX/2021, I received notification that my escrow account was now short about {$3500.00}. 
I logged in to the property tax accounting website for my county ( XXXX ) and saw that the first installment of property taxes was never made and there was a {$200.00} late fee assessed. I do not receive property tax notifications due to the escrow account. 
Mr Cooper has indicated they paid the {$200.00} late fee out of their own funds, not out of my escrow account. But now my house payment has increased {$270.00} a month as a result of theor mismanagement of my escrow account. 
The fees I paid to do the refi were a complete waste of my money because now my payment is even higher than it was before the refi. 
This is all the result of their error & misuse of my escrow funds. 
They should be penalized for this activity, it is deceptive to lure me into a refi with the promise of a lower payment & then misuse the escrow funds, resulting in me having a higher mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On the night of XX/XX/XXXX I paid the full balance of {$190.00} on my CapitalOne credit card. I put the card up and did not use it because I am in the middle of buying a house. 
I did not receive any bank statements for the month of XXXX, XXXX, or XXXX but didn't think anything of it because like I said, the balance was paid in full and I had not used it. 
I found out through my loan originator that I have a past due payment showing on my credit report. 
I checked CapitalOne and saw that after I paid my balance in full on the night of the XXXX they posted a charge for {$3.00}. It was a charge from XX/XX/XXXX. 
I spoke to them and they waived the fee 's but that is not good enough, they will not remove the late payments from my account and take them off of my credit report. 
I am signed up to receive stuff in the mail and did not receive anything until the month of XXXX, which was showing me I owed {$24.00} because of the late fee 's that were racked up over the course of the 3 months that I did not receive a statement. 
I have spoken with numerous agents and supervisors and they are not resolving this problem that they have created.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 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: MI

Complaint narrative:
Transunion is still showing and reporting an account for XXXX XXXX on my credit which keeps showing up on a background check for my employer which had already caused me to be fired from my previous job along with 2 other accounts they were reporting but those other 2 collections accounts have since been removed however XXXX is still showing. I filed bankruptcy chapter XXXX in XXXX and this XXXX  account that is only still showing on transunion is still showing and coming back on my background checks. None of the other credit bureaus are showing this XXXX account but transunion! I have a screenshot showing this account being included in my background from XXXX  so how is transunion still showing it and possibly about to cause me to lose another job! The XXXX account was opened in XXXX my bankruptcy was in XXXX and they are showing I owe {$1000.00} in which I do not. In addition Hire right the background check company performing my background check for a current job offer and also performed the last background check for my previous job ( in which i was fired for inaccurate information reported from them ). They are telling me that transunion is reporting this XXXX  account to them Still and saying it was not in my bankruptcy when it clearly says it was on both of the other credit bureaus reports.

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 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, two fraudulent wire transfers were taken out of my account. Someone with a fake ID posing as myself went into a Chase Bank branch in XXXX California on XXXX XXXX XXXX. The person sat down with a banker face-to-face and made two wire transfers of {$10000.00} each to two separate bank accounts ( XXXX XXXX & XXXX  XXXX XXXX ) . The branch manager also authorized the transaction. Chase now claims that even with their branch 's negligence that they are not responsible for the loss of money if the other banks do not return the funds to them. Both XXXX XXXX and XXXX  XXXX XXXX have failed to get in contact with the " owners '' of both accounts. Therefore at this time it seems very likely that I will not receive my {$20000.00} back even though it was Chase 's fault and their branch was liable for losing my money by not taking proper security precautions to protect my account. A police report was filed on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/21, I had a cashiers check in the amount of {$220000.00} issued from funds in my Wells Fargo Bank account. I mailed the check to the payee via certified US mail. The post office lost the check and suggested I put a stop payment it. On XX/XX/21, I went to a Wells Fargo branch and put a stop payment on the check. When doing so, Wells Fargo informed me that I would have to pay a bond of 5 % of the value of the check if I wanted the funds returned to the account right away. Wells Fargo stated that absent payment of the bond, I would have to wait 90 days from issuance of the check to get the funds returned to my account, unless the check was eventually found, whereupon I could take the original check to a Wells Fargo branch and the funds would be returned to my account immediately. I did not pay the bond, hoping that the post office would soon find it and deliver it to the payee. Eventually, the post office found the check and the payee received it. The payee then wrote void across the check and mailed it to me, as, in the interim, I had paid the payee the funds she was due via wire transfer. Today, XX/XX/21, I presented the original cashiers check to Wells Fargo Bank and requested that the funds be redeposited to my account. Wells Fargo refused, stating that because the payee had written void across the check, the check was, for all intents and purposes, destroyed. Wells Fargo stated that the only options for redepositing these funds to my account are to wait the full 90 days from issuance or to have the payee complete an affidavit attesting that the check had never been in the payees possession and for me to pay the bond. Given that I presented the original cashiers check to Wells Fargo, I believe Wells Fargo is required to redeposit the funds to my account without further ado, and that it is unlawful for Wells Fargo to continue holding onto my funds any longer.

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 2021-11-09 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: FL

Complaint narrative:
I had previously sent Equifax a Identity theft report in relation to fraudulent information and inquiries that were reporting on my consumer report. I sent the information via mail and also again via fax twice to the fax number provided and the fax confirms it was sent to them on XX/XX/2021. It is now XX/XX/2021, I called Equifax today and their agent stated that they still do not have the Identity theft report that was sent directly to them. I am concerned as to why they gave me a number that doesnt seem to work and then the agent today STILL requested that I fax the documents again to the same number that didn't work the first time. As I stated to the agent I have sent it AGAIN via fax however, I am now sending it through here to have a record and make sure that they receive it. 
There are 2 fraudulent inquiries currently reporting to my consumer report from XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I was advertised to get {$50.00} cash back on XXXX XXXX after spending {$50.00} there ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX {$75.00} cash back after spending {$75.00} at XXXX ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) However, they keep on telling me that the account was not opened in the time frame it was supposed to be or that I am ineligible to receive cash back since I am not the account owner, but he has not received the promised cash back either. However, I did receive the {$3.00} standard cash back for the purchases proving that I am eligible to make daily cash earnings for the purchases I make. The account owner opened the account on or around XX/XX/XXXX. 

For the XXXX XXXX  promotion it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21 For the XXXX offer, it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
I have been sent to letters from a law firm in Virginia called Lineberger Goggin Blair and Sampson, LLP. They are trying to collect money from me for a toll for a tunnel with a license plate Ive never heard of, besides the fact that I have never been in Virginia with a car. Nor have I been in Virginia at all for 15 years. I called the firm and they said I need to dispute everything by sending in via mail my complaint. I think this must be a scam. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NV

Complaint narrative:
XXXX XXXX XXXX Fraudly signed my signature on behalf of their rep XX/XX/2020 without my knowledge after taking my credit card information through online chat, I never received any update or response, whenever I would call and inquiry about the payment I made, I got hung up on or transferred and the call would be disconnected. Then a few months go by and I get a bill for a third-party collector and I asked for the original document with my signature. They provided me with documents I did NOT sign ( in person or electronically ). I asked if they could provide me with the IP address of the electronic signatures, so I can see when, where, what day, and time this " signature '' was made. XXXX XXXX XXXX, said they will not provide me with anything as they sold my account to a collection agency. They said I had to dispute with the XXXX XXXX agency. I disputed with XXXX and they just keep providing me with the falsified documents from XXXX XXXX XXXX. I then disputed this with Transunion Credit Bureau, who continues to send me back, " VERIFIED ''. HOW are they verifying an electronic signature, without investigation into the matter. Debt validation is your federal right granted under the Fair Debt Collection Practices Act ( FDCPA ) and I need proof, if you can not provide me with the IP ADDRESS with the date stamp, time, location, and who it was made from, it needs to be removed. The XXXX  rep refused to give me an address or phone number for them, so I could submit this complaint. They have not done anything to rectify this situation.

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 2021-11-09 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: CA

Complaint narrative:
Someone used my identity I have filed a police report. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a membership with Experian.com where I am able to view all 3 scores and credit reports every 30 days. In XXXX I attempeted to view my updated scores and was unable to do so. I got an error message that says " Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX and XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. '' I have been calling Experian and informed them of this issue since XXXX. I was told to call the other bureaus, because the issue is within their system. I've called XXXX and XXXX to make sure the information they have in thier system matches what Experian has, and they did not find any discrepancies. 
I have called Experian more than a dozen times about this issue and still no one has been able to solve this problem. But they contiue to ask for my payment to view all 3 scores.

It seems as though they do not kow how to fix this technical issue. I was told that they would open a ticket and send the issue to a department that would fix the issue ; internally, and someone would contact me in 24 hours. Its been 2 months since that conversation.

I just got off the line with a supervisor that informed me she would open a ticket and submit the error to the technical department and someone will contact me in 24 hours and I should have no issue accessing the other two credit reports. This is the exact same " script '' that was read to me in XXXX, and nothing has been resolved.

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 2021-11-09 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: NC

Complaint narrative:
XX/XX/2021 I certified mailed EQUIFAX an ID theft report affidavit with all the accounts I disputed, 2 forms of ID, and an utility statement. On XX/XX/2021 EQUIFAX received everything. On XX/XX/2021 I received a letter from EQUIFAX saying, For EQUIFAX to block information under Section 605B FCRA, you need to provide proof of your identity. I provided that from the beginning and according to 605B ( a ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Its past 4 days and shouldve been off my consumer report. On XX/XX/2021 EQUIFAX removed 2 collections account, however, on XX/XX/2021 the same 2 collections account were back on my consumer report. All alleged accounts say medical, which is 603 ( i ) of the Fair Credit Reporting Act, and should not be on my consumer report. Thats a violation of 15 U.S. Code 1681a ( d ) ( 3 ) also 603 ( d ) ( 2 ) ( 3 ) of FCRA. I never gave EQUIFAX my written consent to furnish anything on my consumer report so thats another violation pursuant to 604 ( a ) ( 2 ) permissible purposes of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I pulled my credit report last month ( XXXX ) and the following company was listed : Helvey & Associates This company did not contacted me or send me a letter about a debt I owed so that I could dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: MN

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter by certified mail to Equifax. Tracking number # XXXX. Disputing an unauthorized inquiry. ( 1 ) by XXXX on the date of XX/XX/XXXX. ( 2 ) XXXX XXXX XXXX on the date of XX/XX/XXXX. I contacted both companies asking that the unauthorized Inquires by removed from my credit report. I was informed that Equifax Held the authority to remove the unauthorized inquiries from my credit report. On XX/XX/XXXX I called Equifax to see if they had received my Dispute letter. XXXX the Equifax representative informed me that my dispute letter had not been, nor could he remove the unauthorized inquiries from my credit report. I'm seeking to have this matter resolved. 
These inaccuracies are hindering me in many ways. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation