vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Background : XXXX - I signed to refinance my mortgage with XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) XXXX - LoanCare , LLC transferred my loan ( loan # XXXX ) to XXXX XXXX  XXXX ( transferred loan # XXXX ) XXXX - Outgoing wire sent to LoanCare , LLC to payoff my loan ( # XXXX ) from XXXX XXXX XXXX XXXX ( Transactee : LoanCare ; Amount : {$350000.00}, pay off calculated till XXXX, Confirmation # : XXXX, Receiving Bank : XXXX XXXX - Payoff Loan no XXXX ) XXXX - When I called, LoanCare , LLC agent confirmed to me that they received the payoff wire on XXXX and sent the wire to XXXX XXXX  XXXX to pay off my loan The issue started from here, in multiple instances ( email and phone ) with LoanCare , LLC agents were never able to provide me any valid evidence that, when they actually sent the money to XXXX XXXX  XXXX to pay off my loan. 

Sometimes they mentioned, money was sent to XXXX XXXX  XXXX by wire, sometimes they mentioned, a bulk check was sent to XXXX along with other payoffs. 

Its been more than 3 weeks now, I've sent more than 10 emails and called more than 20 times to both the organizations, but LoanCare , LLC never gave me a clear answer to what they did, and XXXX XXXX XXXX never responded anything apart from the flat response saying they have not received the money, even though I requested them several time to trace it back from their end. I never get a significant response from either of the organizations that they are actively resolving this issue, apart from some automated boilerplate emails. I am frustrated with both the LoanCare , LLC and XXXX XXXX  XXXX. I am not going to make any further payment on this loan, as it's formally paid off on XXXX with evidence. I am submitting a formal complaint against both the organizations to Consumer Financial Protection Bureau ( CFPB ) to take further action. I am happy to provide any further evidence from my end when needed.

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 2021-09-23 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: NJ

Complaint narrative:
I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: LEXISNEXIS
State: MO

Complaint narrative:
All three credit bureaus the Nexus XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
All three credit bureaus the XXXX XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued 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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, XXXX XXXX ACCOUNT # - XXXX BALANCE- {$3000.00} This account has not been properly verified, Please delete this account 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 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX-my account was froze and I was instructed by a customer service specialist to go into branch to complete a SSA89 form. I went into the branch to do so and the branch manager told me he did not know why I was instructed to do so my account was being closed and I could not access my money, then I was instructed to go to another branch on Monday XX/XX/XXXX ( I spoke with at least 3 customer service specialists ) XX/XX/XXXX-I went to another branch completed a SSA89 form as instructed and was told my account would be unfroze on XX/XX/XXXX XX/XX/XXXX-My account is still froze and I was told I did not need to complete the friendship it was required for my spouse who already completed the form when added to account on XX/XX/XXXX. I was instructed by 2 supervisors that I could remove my spouse from account, went to branch they said he needed to remove himself, he tried to remove himself just for them to say they couldnt remove him because the account is restricted. They waited until XX/XX/XXXX release my earned wages which I still couldnt access and then they decided to do an override to withdraw my funds from my account. Then I was instructed to open a new bank account because they can not remove my spouse from account. 

XX/XX/XXXX-My account has a XXXX balance although my child support payment should have cleared as of today XX/XX/XXXX as an EFT was sent to checking account on XX/XX/XXXX The whole process with Chase Bank has been a nightmare . Ive had my account with them since XX/XX/XXXX and I have never went through this with any bank I have ever held. They should not be able to give out false information and their employees are clearly not trained properly! Everyone I spoke with have all said different things and this experience has put a lot of stress on myself as well as my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
I've used CFPB before to help clear up other issues that I had before that the banks didn't want to do on their own. The response was always a positive one. So lets see if you can make it 3 for 3 I was hoping you can help clear up an issue with Fay servicing. My loan was sold to them a couple years ago up till now I never had a problem with them. The Issue is they have not filed a release with XXXX XXXX for the property that I paid off in XX/XX/2021. I have made repeated calls requesting this to be done but as of this date no one has responded. I was in the process of refinancing my house to get a lower interest and to pay off high-interest loans. But by not having the release I can not continue with the loan process. 

The state of Wisconsin has a statute that states that lien holders must file a release within two weeks of being paid off. It's been five months and they've had more than ample time to file the release. Their disregard for Wisconsin law is causing me financial difficulties. I hope CFPB can help Fay services to understand their responsibilities and that thy do not end just because the loan is paid off. They still need to file a release with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that THE BUREAUS would verify the debt. So I took it upon myself to ask THE BUREAUS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
This complaint is directed to Current Bank FinCo Services Inc. and XXXX XXXX XXXX. I had an account with Current. I direct deposited my Social Security Disability check in this account. On XX/XX/2021 I found out my account was suspended. I tried to call customer support and a recorded message told me their phone service was down and to email customer support on my online account and chat with a live team member but I couldn't because my online account was suspended and to email customer support. I emailed them and asked why it was suspended I got a form email saying they had received my email and a support member would contact me shortly usually within 24hrs. I was never contacted by anyone even though I emailed them daily just that form email. About a month later I received a letter saying they had closed my account and sent me a check for the remaining balance in my account of {$930.00}. When I tried to deposit this check from FinCo Services Inc. " ieCurrent bank '' in my new account they would not except it when I tried to cash it at XXXX XXXX  they said they couldn't cash it because they couldn't verify it. I have been emailing them for four months trying to get them to resolve this matter and got no response just that form email. I know they aren't reading my emails because immediately after I send my email they send that form email. About 2 weeks ago I got an email from their support team saying they finished investigating my account and closed it??? They did this after closing my account and sending me the check. I don't know but I thought once they closed my account and sent me the check it was done but they reopened my account without informing me or asking me I thought that constituted Frau or at least it would be if I did that yes?? They investigated my account for depositing my Social Security XXXX check as fraudulent suspicious criminal XXXX acts I didn't know they made depositing a XXXX check would be considered any of those things. I'm still trying too get a response from them on this so far I just get that form email no contact by anyone team member no one. I talked too the SSA and asked if they could hold my XXXX check and they said not unless they had a garnishment order or a court order signed by a federal Judge so holding my check for four months is an illegal act by them this caused serious hardship on me monetarily and health risk as I am XXXXyrs.oldand have had XXXX XXXX XXXX and XXXX XXXX XXXX and I couldn't get my XXXX XXXX  and I have XXXX XXXX and couldn't get those medication for the month of XXXX. Thanks I hope you can help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Conn's, Inc.
State: NC

Complaint narrative:
Conn 's XXXX recieved a claim to verify an alleged debt. Pursuant to 15 usc 1692g ( 4 ) as of XX/XX/2021 I have not seen nor am I aware of the validity of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. I have been sending you disputes but you never respond to it, I was advised that failure to respond is a violation of FCRA law. i hope you resolve this soon so i wont have to take this to the next level and take legal action against you. Thank you so much!

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. I have been sending you disputes but you never respond to it, I was advised that failure to respond is a violation of FCRA law. i hope you resolve this soon so i wont have to take this to the next level and take legal action against you. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made several attempts to get my personal information updated. I did a couple of disputes online only for it to be corrected for 30 days and all of the same inaccuracies were back.

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 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: GA

Complaint narrative:
Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted XXXX XXXX regarding this matter immediately and averted an issue. However XXXXXXXX XXXX was reflected on my credit report via Equifax and XXXX as a hard inquiry. XXXX stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to XXXX to resolve. 

Flash forward several months and no resolution, I called XXXX back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at XXXX provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from XXXX stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called XXXX and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
XXXX I received notice from XXXX XXXX that our loan will be sold to Flagstar Bank XXXX Notice stated " As of XX/XX/XXXX XXXX XXXX will stop accepting payments from you. Starting XX/XX/XXXX please make all payments to your new servicer '' XXXX XXXX XXXX XXXX XXXX ( XXXX ) sent an XXXX mortgage payment to Flagstar bank ( account number as noted on the XX/XX/XXXX notice from XXXX XXXX ). 
XXXX I received a statement from Flagstar bank noting that my XXXX payment had not been received. I contacted XXXX to inquire. I was told by XXXX that Flagstar bank rejected my payment on XX/XX/XXXX noting an invalid customer ID. We verified the account # with the account # on the Flagstar statement. The account numbers matched. The XXXX agent additionally noted that the money was being refunded to me. I checked my XXXX account and it showed a " pending '' refund from Flagstar on XX/XX/XXXX in the amount of my mortgage payment. 
- I contacted Flagstar to ask " why '' and was told that there was no sign of a payment in their system. I informed the agent about the information regarding the ACH payment provided by XXXX. I was told that I could make the payment now. I told the agent that I would like to pay and would like the account to reflect receipt of payment on XXXX and interest adjusted accordingly. I was told " Flagstar does not owe me anything ''. The agent reminded me that this would not reflect on my credit score but there was no solution to the fact that interest was now being charged on principal that I had paid on XX/XX/XXXX. I did not have access to my money between XX/XX/XXXX and XX/XX/XXXX. The amount did not clear " pending '' status until XX/XX/XXXX. 
XXXX Once the refund from Flagstar cleared my account I made my XXXX payment. 

As a consumer, I am not at fault for Flagstars inability to have the accounts they purchased ready for payment receipt by the due date of the payment. They knew they were the new service provider on, at a minimum, XX/XX/XXXX. The accounts should have been created and ready for payment receipt on XX/XX/XXXX. The account information was given to me in the XX/XX/XXXX notice from XXXX XXXX. Therefore, the account was clearly created, yet on XX/XX/XXXX my payment was rejected as " invalid customer id '' In this situation, I did not have constructive receipt of my money between XXXX and XX/XX/XXXX ( day it showed " not pending '' ) I am one of millions of Americans whose mortgages are sold every year. This Pattern of Behavior among mortgage service providers is an unfair practice that thrives off of a consumers lack of knowledge. Most consumers are probably paying the missed payment and are unaware of the impacts of compounding interest.

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