vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I was forced out of my forbearance in XX/XX/2021 after losing my job due to COVID. I was given until XX/XX/2021 to resume payments. I called to make a payment XX/XX/2021 and was told that it was too late. Since XX/XX/2021 I completed the application for mortgage assistance. Since XXXX, I have submitted every document requested and the mortgage company refuses to process my modification and I have been threatened with foreclosure even though I have been compliant with forwarding the requested documents. 

I have submitted paystubs, bank accounts, tax documents, utility bills and everything else requested to no avail. 

This is causing me undo stress in a matter that is already stressful. I feel that the mortgage company is trying to foreclose on my home because of the equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: CA

Complaint narrative:
I had a membership with XXXX XXXX  XXXX XXXX. When the pandemic Covid-19 began due to hardship, I contacted XXXX XXXX and cancelled my membership. The theme park was also shutdown and I had not used my membership or been to the park for many months before then. A few weeks ago, I received a call from Associated Credit services trying to collect XXXX from me and have repeatedly been contacting me. I immediately contacted XXXX XXXX XXXX  XXXX who opened a case regarding this issue! Case # XXXX. I have yet to receive anything in writing from this collection agency in regards to this debt but several calls. They are supposed to send me in writing within 5 days of contacting me which they never did. I do not owe this, I cancelled my membership and believe this is Fraud and taking financial gain out of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
My account in Conbase has been blocked and I can not access my virtual currencies or my XXXX money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: SC

Complaint narrative:
This is NOT a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-09-01 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: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., as well as the 15 US C 1681a ( 2 ) ( B ) I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-09-01 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 have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$890.00}, opened on XX/XX/XXXX being reported by XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX  XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2021, an unauthorized transfer from my active checking account to my share savings account was done for {$100.00}. I called Navy Federal Credit Union on XX/XX/2021, @ XXXX XXXX  CST. I spoke to a very rude representative about the issue and she bluntly stated " You made a transfer for {$100.00} '' I stated that I never made that transfer and when a customer makes a transfer the transaction color font is the color " green ''. When a transfer is made by the bank it's the color " Black ''. The agent rudely stated NFCU can make transfers at any time, and I stated for what cause knowingly the account is current and not on a negative status. I requested a manager and she refused. 
This bank takes customers ' money and moves it around for reason, and declines to explain to why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
This Item was removed from my XXXX after your company failed to remove from my credit file. 
How cam the debt be owed to 2 different companies. 
XXXX  had the debt list as XXXX XXXX XXXX and XXXX  has it listed as National Credit Systems So how can both companies send me a verified response when its two different companies. 

The debt was removed from XXXX  but still remain on XXXX. 

Please remove from my account due to failing to provide proof. 

Original complaint : XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Porania, LLC
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

5. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-01 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 have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an unpaid balance of {$4900.00}, opened on XX/XX/XXXX being reported by XXXX XXXX XXXX, XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX, XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX XXXX XXXX, XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I received a credit card in the mail from XXXX XXXX that I did not apply for. When I contacted them they asked me to call the Bank that opened the credit card Commenity Bank. When I called them they said someone had used my identity, my social security and date of birth to open a credit card in my name and had charged {$570.00} on beauty products. They have closed the account and I have also contacted XXXX  to place a fraud alert on my account. I am fearful of new accounts being opened and so am reaching out to you ... 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I was notified by another collection about an account previously with XXXX XXXX XXXX. The account was settled on XX/XX/2021. I have the receipt to show the account being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have recently purchased a car from XXXX  of Connecticut and XXXX and was told that the only way I would be able to apply for a loan and get a car is if i provide a down payment of XXXX dollars I was told by XXXX XXXX of this matter after I paid this deposit it has come to my attention that this was a violation of 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : All charges must be included in the finance charge!!! My initial down payment was not included with my finance charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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 have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$1600.00}, opened on XX/XX/XXXX being reported by XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX  XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX my wife and I signed closing docs for a refinance with Better Mortgage. The funding date was set to be XX/XX/XXXX. Cash transfers were to be handled by XXXX XXXX XXXX XXXX XXXX. 

When XX/XX/XXXX came and passed my previous mortgage account was not paid off when I checked my online portal. I asked the Mortgage Advisor at Better who was handling my loan and was told to wait a couple of days. As at XXXX there is still no sign of any funds. They have also failed to pass on funds to XXXX XXXX for property taxes and XXXX for insurance. 

Despite several follow ups Better did not escalate my issue until 10 days past the date on XX/XX/XXXX and I am constantly having to chase still.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This account is being reported as Collection/Charge-Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  never investigated inquires and they willing knew it was a violation of my rights so they are liable pursuant to USC1692K 813 civil liability There deletion is admittance to them reporting inaccurate information on my report

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 2021-09-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  never investigated inquires and they willing knew it was a violation of my rights so they are liable pursuant to USC1692K 813 civil liability There deletion is admittance to them reporting inaccurate information on my report

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 2021-09-01 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 have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$1700.00}, opened on XX/XX/XXXX being reported by Missouri Higher Educ Loan Auth on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: NC

Complaint narrative:
A collection agency named Aspen National Collections recently started reporting a {$1700.00} debt on my credit report from XXXX XXXX XXXX XXXX. I have repeatedly asked the collection agency why they did not contact me about this account before reporting it, but they told me that they don't have to. I am fairly certain that this is a violation of collection laws. 

If they had notified me first, I would have certainly disputed it. Because I do not have a debt owed to XXXX XXXX XXXX XXXX. 

Also, I've even gone as far as asking Aspen National to send me something that proves that I have a debt with XXXX XXXX XXXX XXXX, but they just dismiss me and say they don't have to do that either. 

The only response I've gotten from Aspen National reps about this transgression is that i should dispute the account at XXXX XXXX if I feel it is inaccurate. I have done that, but Aspen keeps telling XXXX XXXX that its legitimate. So I don't really see where that's helping the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that Experian, XXXX, and XXXX  are reporting. These negative items must be 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 2021-09-01 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 have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an actual payment of {$3200.00}, opened on XX/XX/XXXX being reported by Missouri Higher Educ Loan Auth on XX/XX/XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
I have contacted IQ DATA INT. Several times about an open collections account shown on my credit report. I have written and emailed signed documents with the amount the original creditor submitted and was attempting to charge me. They took a {$2600.00} balance and posted {$5900.00} onto my credit report as a collection amount. They have failed to respond to any written documents Ive submitted and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Someone applied for a credit card with Chase Bank in my name. I have been going back and forth for 7-8 months now. I did nto apply for this credit card and I am not using it. Someone must have access to my social number other than me. The person is using the credit card that I never applied for. It is a Chase Bank credit card with {$1000.00} credit limit. XXXX  has been reporting this on my account for 8 months now and I tried to dispute with Chase, but they keep saying that is me. I have perfect payment history and have other credit cards on my report. I would never apply for a credit card with such a low limit.

Company response to consumer: Closed with explanation