vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I obtained a loan for consolidation. According to Mariner Finance I defaulted on my loan ( My history does not show a default and is attatched I never received notification of any default aside from the warrant in debt ) my loan is secured with a car shown in contract. As a remedy for the alleged default Mariner Finance issued a warrant and debt for the full balance. ( again because I did not have an actual missed payment ), Mariner continued the warrant in debt out from XX/XX/2021 until XX/XX/2021 stating even though my account was in default they wanted to be sure I made one time payments in XXXX the case was dismissed. During this time I contacted the office several times to inquire about why my account was referred to court and was told in order to get my account out of court my only remedy was to re-borrow and close out my current loan or repay the full loan. Since this time my credit report has been coded as a collections account under legal remedy and closed causing denial for rental homes. Attatched is the account status displayed to me which shows Active there is no indication of default or collections. I only knew of the case still being continued in court because I called once I received a copy of my credit report. Myself and my XXXX children will be XXXX due to this companies antics to force me to re-borrow or pay in full. Please help me this company is deceptive. I never received any notices of default other than a warrant in debt for the full balance which i was told by Mariner Finance would be dismissed because I didn't owe a monthly balance and my account is current all the records I have supplied are downloaded straight from their website. This company is abusing the Credit bureaus and legal system and must be stopped!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 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: MD

Complaint narrative:
I just filed a complaint with equifax and they said they need 60 more days to research but they said completed their research. They received the letter XX/XX/21 that is over the 30 day day period. Per the fair credit reporting agency the research should not take more than 30 days. There research should be done. They are stalling. They are not properly researching they are keeping items on my credit report without proper research. The research should be completed in 60 days because of COVID. They should not get an additional 60 days. I asked them to provide the information of where they got the information per the fair credit reporting act and they never send it they have no regard for the statue. They have bankruptcy on my report they said they got from XXXX but it is not on XXXX  report. 

They keep saying they get their public records from XXXX and the bankruptcy they have on my report is not on XXXX consumer report. I attached my XXXX report from XX/XX/21 and XX/XX/21 to show it is not on my report. They are breaking fair credit reporting act. They should not get 60 mores days which means they will have 120 days of research time. They are stalling while continuing to negativity affect my credit report. They should only gave one more week which makes the tome 60days. I attached letters and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have been paying the North Carolina state Credit union XXXX XXXX balance but I can not use my credit card. My online status states revoke. But they are charging interest and I have a saving account with money in it. Would that not be collateral. They did not offer me anything. Why can my credit card not be reinstated, especially due to the Covid pandemic? I am making payments. I do not receive a mail-in bill for the credit care statements. Also when I go online it wants me to sign up for paperless. I never received a credit card bill. 
Please advise. 
Current Balance : {$2800.00} Credit Limit : {$4000.00} Available Credit : {$1100.00} Last Payment Date:XXXX Last Payment Amount : {$170.00} Annual Percentage Rates Purchase APR:7.75 % Cash Advance APR:7.75 % As of the Last Statement : Next Payment Date:XXXX Minimum Payment Amount : {$0.00} Last Statement Balance : {$3000.00} Amount Past Due : {$0.00} Days DelinquentXXXX YTD Interest Paid : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: MS

Complaint narrative:
Several people have called me about a check and go loan for {$760.00}. The person I spoke to today didnt verify any information just started telling me info about the account and when I made him aware of it he got offensive. I asked him how was he gon na just give me info without verifying who I am. He said they will just see me in court. 

Last week, a lady said the same thing when I didnt verify my social because she couldnt tell me what or whom it was about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: MD

Complaint narrative:
I received a XXXX XXXX XXXX alert. I saw Hunter Warfield fraudulently placed a negative collection account on my credit report. I don't know this company and never had any correspondence from Hunter Warfield or notices.

There are no contractual agreement in place giving Hunter Warfield a right to collect any debt from me or report to the major credit bureaus.

Hunter Warfield is a fraudulent business with currently a XXXX star with XXXX review, XXXX star with XXXX, XXXX star with XXXX, and not even XXXX  accredited. Yet they can intrude on consumers credit report and harass consumers.

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 2021-08-18 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: ME

Complaint narrative:
Paid off balances are still showing on my XXXX  & Equifax credit reports. 

An amount of {$160.00} from XXXX XXXX was paid with a settlement as agreed upon by XXXX yet is still showing as due on both XXXX  & Equifax. 

An amount of {$190.00} from XXXX XXXX is still showing due but was paid in full for {$190.00}. Still showing on both XXXX & Equifax. 

An amount of {$160.00} & {$150.00} from XXXX XXXX is still showing past due but was paid as part of a settlement as agreed upon by XXXX XXXX. Still showing {$160.00} & {$150.00} on Equifax & {$150.00} on Equifax & XXXX. 

An amount of {$240.00} from XXXX XXXX is still showing past due but was written off last month by XXXX  XXXX but still shows on Equifax. 

I have not received the documents from the Collections Agencies as they said they have to mail them rather than email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I ordered furniture from XXXX about 3-4 years ago ( to include warranty ). The furniture kept falling apart ( despite multiple replacements ) so I asked for a refund. The company took three months to pick up the broken furniture and had not refunded me the amount paid. The company then put my balance as owed on my credit report - even though the amount owed to me surpassed the amount I owed them. I worked for three years to get this resolved and was finally issued a check this XX/XX/2021 for over {$800.00} ( amount owed on credit report was {$660.00} ). Even though I have finally received my money, the collection is still on my credit report. I have disputed with the credit bureaus but XXXX still certifies the collection. I have called XXXX, XXXX XXXX  ( card company ), and Portfolio recovery services ( collection company ) to dispute and no one seems to know who can remove this mark from my credit. I have also sent certified letters and all of my documentation ( attached ). I have now enlisted the services of an attorney as I am trying to acquire approval to purchase a home but this mark on my credit is helping to prohibit that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My mother died in XX/XX/2021. She had a safe deposit box at Chase Bank in XXXX, FL. I can not get anyone to answer the phone or take a message. The XXXX number to reach a Chase Banker will not let me in because I don't have my mother 's full account number. I have the last few numbers of it. I live 350 miles away. My mother 's attorney is in XXXX, and she wants me to get permission for her to get the box open to look for the original Will. I know the box number, and I have the key. She said she will mail me the legal forms for me to sign giving her permission to gain entrance to the safe deposit box. I believe I am on my mother 's box. If they would just answer the phone, it could be taken care of, but they won't. Please help me. I am my mother 's sole heir, and my attorney has her Death Certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
XXXX Received multiple alerts from My credit monitoring agencies showing a fraudulent Credit card application from XXXX XXXX/chase bank for a new account. XXXX XXXX reported that the application contained nothing correct but ssn. XXXX contacted chase bank to report this fraud and found that they had not verified any information from the application but had already run a credit report from XXXX XXXX ( causing a hit to my credit score ) and were at the point of issuing a physical card. When asked how they had verified the application, I requested the information used. Much to my disgust, they then refused to divulge the information they had used to verify this application. This is why Identity theft is rampant. Where is their responsibility to be responsible lenders and monitors of this type of behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy federal is going against my mothers wishes for me to be her will executor and she has put in her will for me to be left everything. XXXX has told me that it's supposed to go to my living XXXX brothers. It's a total outrage that they are ignoring my mother 's will that I was to be left everything. It's my money regardless that I transferred from my checking account to hers. I transferred {$1500.00} on XX/XX/2021 for an XXXX purchase and cancelled it. But they refunded {$1000.00} back to my mother 's account when they shouldn't. XXXX isn't respecting my mothers will that she left me in charge of everything. But she is ignoring that and still say that my two living brothers are entitled to that money even though it is my money. XXXX isn't being fair to me regarding that I am the will executor. If the will states for me to handle everything XXXX can't take that right from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
I opened a checking account with Axos bank in XXXX-XX/XX/2021 because my credit union does not allow the initiation of a wire transfer online but Axos bank claimed they did, since theyre an online-only bank. My credit union is local, I was out of state and I needed to make some wire transfers so I linked my other credit union checking account with this new account at Axos on XX/XX/XXXX and moved {$3800.00} from my other checking account to this one at Axos on XX/XX/XXXX. 

Once the money cleared on Friday XX/XX/XXXX, I made a wire transfer request. I made some errors in my request so it wasnt processed and on Monday XX/XX/XXXX, Axos sent me a message in my online banking portal explaining why. That same day I modified my wire request and resubmitted it. It wasnt processed and instead Axos sent me an email the next day, XX/XX/XXXX, informing me that they needed to confirm that I owned the other checking account I linked and from where the {$3800.00} came. In order to do this, the message continued, I would need to send them an image of a void check that proves that I am a signer for the linked account or a recent account statement. 

The next day, XX/XX/XXXX, I sent them an image of a void check clearly showing that Im a signer for the linked account. I logged into my online banking portal on XX/XX/XXXX hoping to see a message from Axos acknowledging that they had received the void check but there was none. Instead I saw that they had frozen my account : I couldnt move money in or out. 
I sent them another message that day asking why they froze my account even though I had done exactly what they asked of me. I called them on the phone on XX/XX/XXXX and they claimed that the issue would be resolved. They sent me a message on XX/XX/XXXX, saying they couldnt find the void check I sent them so I re-sent the void check again that day. 

I called them on the phone again on Monday XX/XX/XXXX and I received a message from them on my online banking portal later that day. They said they had received the check and had forwarded it to the appropriate department for review. I waited patiently throughout the week for another message from them but none came. So on Friday XX/XX/XXXX I called them yet again and later sent them a message expressing my frustrations with their service and demanding that they resolve the issue as soon as possible. 

When I received no message from them I called them on the XXXX and again yesterday, XX/XX/XXXX. They sent a message today, XX/XX/XXXX, and its yet another apology. I have no idea how long it will take them to resolve this issue. Their customer care representatives are unhelpful and clueless. They refused to let me speak with any of the folks in charge of my account. Please help me CFPB. Im at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I recently checked my XXXX  report and saw a fraudulent collection from transworld system Inc.

I have never done business with this company I dont know this company this company doesnt have a contract with my signature. 


I reported a fraud report with FTC.gov on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I recently applied for a mortgage & my mortgage lender informed me that XXXX  was reporting to collection accounts from First Federal Credit on my report. I called First Federal Credit & they informed me that these accounts were not mine but were my mothers & that they shouldn't be reporting on my report. I attempted to get the accounts removed by disputing them but they are still showing up on my credit report which makes no sense because the collection company is stating they aren't even reporting the information my to credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: FL

Complaint narrative:
I signed up in XX/XX/2021 to make three auto payments {$130.00} of a debt owed to an XXXX  doctor. Today, XX/XX/XXXX, I receive an elert from XXXX XXXX that a derogatory collections note has lowered my credit score. I see it is XXXX XXXX and call them immediately. Their representative tells me : yes you are on a payment plan for XXXX, XXXX, and XX/XX/XXXX with one payment remaining, but since your plan is over 45 days we report it. At no time was I ever informed about this or I would have used a quicker plan. I would like to report this company for poor writen notice about their credit reporting processes. Supposedly, this derogatory credit item is to be removed in seven days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I made an online purchase using Venmo that turned out to be a scam. I contact Venmo after exhausting my attempts to contact the seller ( purchased carbon handle bars, mounting stem ) and was told Venmo transactions should only be completed with people you know and trust. They offer no protections and refused to close the scammers account. Through research this person XXXX XXXX XXXX XXXX is actively scamming people and Venmo is aiding these scams by not address their clients feedback. I plan to discontinue my use of this service but don't want others to fall victim to the same scam because Venmo allows fraud/scams to occur on their network. Luckily it was only {$150.00} but could be much worse with not safeguards or consumer protections. I hope their executive enjoy their nice bonus made of of my hard earned dollars that were stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: MO

Complaint narrative:
Please see original complaint ID XXXX, that has been closed without resolution. 

Mountain Run Solutions, a debt collector, has purchased and is attempting to collect on an an account that has been charged off or placed in Default by XXXX. 
In the course of this attempt they have committed Mail Fraud and Identity Theft ; please see the following laws : 18 USC 1341 and 15 USC 1681q ( 3 ). Referring back to the original letter to Mountain Run Solutions, there are three issue
s I brought to their attention. Their response to that letter only partially addressed one ; debt verification. 

Also, please refer to paragraph four of my letter ; if XXXX placed the debt in XXXX or Charged Off the debt, no debt remains owed to anyone. Per my phone conversation with the CFPB, these types of accounts must be removed from all reporting agencies, thus my original complaint submitted to them. 

Mountain Run Solutions had until 30 days from date the certified letter was received ( XX/XX/21 ) to provide this information requested and comply with the law, otherwise they are required, per the FCRA, to delete the account they have reported to any consumer reporting agencies about me.

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 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I remote deposited an e-check of {$4800.00} from a group of people acting like HR of XXXX company using Chase Mobile app. The status of this transaction was first shown as " Pending '', and then switched to " Completed '' after 1 day. My understand of the " Completed '' status is that the transaction process was completed successfully : The issue bank have finished transferring the fund into my account at this moment. With the deposited money, I then transferred money to the scammers using XXXX ( integrated in the Chase Mobile app ) in two batches, {$500.00} ( XX/XX/XXXX ) and {$2000.00} ( XX/XX/XXXX ), and sent another {$2300.00} via BitCoin ATM ( XX/XX/XXXX ). These money were requested by the scammers to purchase WorkFromHome equipments. But on XX/XX/XXXX, the check was returned as altered/fictitious. I don't understand why the marked the transaction as " Completed '' while it is not, so I believe the Chase Bank should be 100 % responsible for my lost. 

The same cycle happened again and it directly related to the misleading information given to me by the Chase mobile app : I received another check of {$3600.00} from the same scammer group on XX/XX/XXXX, then I sent {$500.00} ( XX/XX/XXXX ) to the scammers via XXXX. 

Fortunately on XX/XX/XXXX I noticed the returned check shown on my screen, and stopped further deal with the scammers. 

To summarize, due to the misleading information given by the Chase Mobile App, I lost {$5300.00} in total plus return check fees charged by Chase bank. I believe Chase should be fully responsible for that.

Company response to consumer: Closed with monetary relief