vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX PLEASE UPDATE MY PHONE NUMBER NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXXesident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Resident typeSingle family Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the pa

st six months. Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: World Acceptance Corporation
State: WI

Complaint narrative:
I got a world finance loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and XXXX is becoming no help along with world finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MD

Complaint narrative:
I have been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report.

1. XXXX XXXX XXXX XXXX- {$630.00} account no : XXXX XXXX. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response

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 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We refinanced want now have PHH and our mortgage servicer. Recently my husband XXXX XXXX received 100 % total and permanent XXXX from the VA. That means that in TX we dont have to pay property taxes. I contacted PHH mortgage and asked for a review of the escrow acct to have the payment adjusted and get a refund of over {$5000.00} for the escrow overage we now have. PHH rep told me that the payment had been adjusted and that a refund check was going out in a week. I follow up with another rep a week later and they are telling me that they only partially reviewed the escrow acct and they have not issued a refund. I explained that a refund is owed because there is now a huge overage in our escrow acct for taxes that we no longer owe. PHH mortgage alread is aware of this because they already adjusted our payment but are not refunding our escrow for this amount. I talked to a supervisor and he told me he would call back no one has. They are holding our money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: CA

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 2021-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Flatonia Investments, LLC
State: OH

Complaint narrative:
We were not contacted about closing went thru under writing and never closed never got a call back and house was under a contract and mortgage company never gave us a reason why and wouldnt return our calls and now there trying to keep my earnest money really I have a lot more to say about this problem my Realitor said he has never seen anything like this the mortgage company mess up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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:
I have been disputing an ongoing issue with Equifax, XXXX, and XXXX that has been going on for well over a year. Equifax, XXXX, and XXXX are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and Equifax, XXXX, and XXXX continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. Equifax, XXXX, and XXXX are in violation of F.C.R.A. 611 ( 15 U.S.C. 1681l ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Shellpoint Partners, LLC
State: UT

Complaint narrative:
XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, ShellPoint Mortgage services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from Shellpoint XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ADP Inc.
State: NY

Complaint narrative:
Adp says that i owe them money. I called to try to take care of the issue but they wont access my account without information i dontnhave access to. I repeatedly transferred to the customer service department. I asked ti speak to a manager and wqs transferred to the wrong department multiple times. I dont have time fkr this. This company needs to get their act together

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I sent {$1800.00} via Cash App to a known recipient. I received a confirmation that the transaction went through, but there was a delay on Cash App 's end and it would be sent shortly. 

After contacting the recipient, they did not receive the funds. Eventually, I saw that the transaction was listed as " Failed '' in the app. I also saw that my bank account had a {$1800.00} hold for this transaction. This was understandable, but I expected it to be removed soon after. 

I then reached out to Cash App via their in-app chat function. They eventually responded and told me that the transaction was " declined by my card-issuing bank '' and suggested I contact my bank. I contacted my bank ( XXXX XXXX XXXX ) and they quickly confirmed that there were no canceled or declined transactions and the {$1800.00} would be processed and completed despite Cash App saying otherwise.

This has now gone on for a full week. Each person as Cash App refuses to acknowledge the evidence and documentation I have provided proving that XXXX XXXX XXXX has not declined a single transaction. They offer no help aside from generic, copied and pasted replies, and have taken no responsibility or accountability for this fraudulent activity.

In addition to telling me repeatedly that the transaction was declined when it in fact was not, they have also told me it's been canceled on their end ( it was not ), and just this afternoon claimed that the transaction went through ( it did not ) and that I can only recoup these funds from the recipient ( I can not ... because they never received them ).

I am not missing {$1800.00} and Cash App has held these funds hostage. Their phone support is too busy to accept calls, their in-app chat support responds after several hours and offers no tangible help, and their email ticket system takes days to receive a response which is never consistent with the questions I am asking.

I need Cash App to take responsibility for their fraudulent actions and negligent customer service, and return my funds immediately along with a formal apology from a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The 3 Credit Bureaus is reporting inaccurate information on CB/VICSCRT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
XX/XX/XXXX SPS was contacted to see about options to help with payment after a motorcycle accident and a slow start in short-term XXXX payments. The representative XXXX found a solution by taking one payment and dividing it over 6 months. He advised the amounts needed to be paid and when. We asked the representative if this would be negatively reported on our credit XXXX responded with no it would not be a problem on the credit report everything would be okay. Stating we needed to pay the first payment of the new amount and make the other payments on time it would be fine. The first payment was due in XX/XX/XXXX and the last XX/XX/XXXX. We completed the repayment plan without any issues. We applies to cosign on our children 's school loans and were denied then we saw the issue. Learning that SPS had reported 30 days late on 3 of the 6 payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We called SPS on XX/XX/XXXX, and XX/XX/XXXX, asking for the recorded call to be reviewed with each rep telling us they would document the account and have a manager review. The next rep informed the previous rep didn't do what they had said and it had not been reviewed. On XX/XX/XXXX, XXXX agreed nothing had been done as promised and asked us to hold while a supervisor found and listened to the call. A supervisor informed XXXX that we were correct the original rep did state that nothing negative would be listed on our report when asked. Also, once it was established there would be no harm to the credit did we enter into an agreement for repayment. XXXX XXXX, the supervisor said we were correct and the report would be fixed. We needed to in writing ask for it to be removed from the report due to the error on the mortgage company 's part. On XX/XX/XXXX, an email was sent to the address given to us explaining the situation, the supervisor 's decision after listening to the recording, and the request for the correction on the credit report. On XX/XX/XXXX, SPS added a letter to our online account stating that they did review the audio from XX/XX/XXXX and confirmed the representative did in fact state there would be no negative reporting on the credit report. SPS also stated that they would not fix the report because they were acting within the guidelines for reporting by law. We were misled and misinformed at the time of the verbal agreement in XX/XX/XXXX. We entered into the repayment plan under the terms that were given by the representative in XX/XX/XXXX and asked for things to be clarified to be sure we understood the terms. We would have never agreed had we been told payments would be reported late. We fulfilled our end of the verbal agreement and SPS needs to do the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
I've disputed this account over and over again and National Credit Audit has never responded in anyway! They are however reporting to my credit! They are breaking the law! Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Date it started XXXX XXXX & they took XXXX and the company said they couldnt do nothing since the transaction was done online and there was no errors or mistaken done. But I never did the transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed with Equifax several times by mail and several times by phone about the public record showing on my report its the chapter-XXXX bankruptcy.I have asked how does Equifax verify Equifax first stated through the courts witch is not true then Equifax said through a third party called XXXX. So i went to the courthouse and spoke with the clerk she stated that the courthouse does not release information to third party companies such as the credit bureaus or XXXX then i called and wrote XXXX they stated that they get there information from XXXX know my rights and the FCRA rules/laws.Equifax is supposed to contact the actual furnisher witch would be the courthouse.This is false reporting and i want it removed from my credit report immediatly! Also the reporting date is incorrect its reporting XX/XX/2015 that is inaccurate information on my report witch calls for deletion.Another thing is my XXXX account along with other third party compaines are frozen so its no way equifax is veryfing through XXXX i will attach documents along with this for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
They closed my account in XXXX. And i have yet to receive my funds and its XXXX near XXXX. Thus is Citibank

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 monetary relief
Consumer complaint received 2021-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
Under the PSLF I should be able to receive loan forgiveness after 120 payments while working full-time in a public service field. I pulled all of my records in XX/XX/XXXX and believed at that time I had made 125 payments on my XXXX student loans. ( Actually, I made far more than that given that I began working in Public Service in XXXX, but the years from XXXX don't work. ) I never received any good explanation of the discrepancy between my account and the PHEAA count on these loans. Then, I lost my job as an XXXX for a XXXX XXXX XXXX due to Covid budget cuts in XX/XX/XXXX. Since that time I have only found 20hr/wk work in XXXX, so none of the " forgiven '' loan payments from this time period count. I would like a direct response to each month of payments ( I have bank statements proving every one ), and why they didn't all get counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
On XX/XX/21 i wen thru acima to get a qualified for a loan on a table, they approved me but the table never came, they immediately started taking money from my account, which they had to reimburse me back because the table never came, I still dont have the table, Im trying to buy a house and it showing up on my credit report, I immediately called acima again and spoke with the representative and the supervisor. They said they are aware that I havent received the table and I was told the case is close. I asked them if they can send me a letter stating that the representatives said they dont have a letter that will state that but I can dispute it and they want fight it, I need help this company put something on my credit that I never received and its going to cause me to pay out more money or I want qualified because of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Garcadia Financial LLC
State: GA

Complaint narrative:
In accordance with 15 U.S. Code 1635, I, the alleged obligor, am hereby exercising my right to rescind the credit transaction which was allegedly executed on XX/XX/2021 for an auto refinance loan with a total of {$19000.00} between myself and Foursight Capital. This is because, Foursight Capital, the creditor, did not " clearly and conspicuously '' disclose, in accordance with regulations of the bureau, to me the alleged obligor, my right of rescission under 15 U.S. Code 1635. 

Note : this loan was first owned by XXXX XXXX XXXX who then sold loan to Foursight Capital.

Company response to consumer: Closed with explanation