vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First Direct Mediation
State: CA

Complaint narrative:
First Direct Mediation located in XXXX, New York is allegedly attempting to collect very old debt that is time-barred in the State of California. They have not provided any written verification of said debt, but have continued to make phone calls to me, my place of employment, family and friends. This company, through various " civil processing department '' representatives, indicates that I will be receiving court summons in the next 24 hours unless I contact the debt collection company to resolve the matter. They call using various robot phone numbers and their threatening voice mails have been retained. I have asked the company to cease all debt collection and abide by the laws of the Fair Debt Collection Practices Act, which they continue to ignore. Most recently, they called me, my family and friends on XXXX  leaving threatening messages as well. Despite their threats of court summons the past few weeks, no one ( as of yet ) has provided such summons. I have blocked their number ( s ) going forward and sent the email attached. This seems like an elaborate scam and attempt to extort money. Phone # s they have used are : XXXX, XXXX and other phantom numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute ( XXXX ) to Equifax to dispute a bankruptcy record from my credit report. A month ago, I checked my account online at my Equifax and my dispute was showing under investigation. I checked today and my dispute was still under investigation. According to the Fair Credit Reporting Act, if I do not receive a response for my dispute in 30 days, this record should be removed off my credit report. I called Equifax today requesting to have this record removed as I did not receive any notification from Equifax that this has been completed and under myEquifax account, it shows under investigation. Equifax explained that the dispute was completed from their end on XX/XX/XXXX and an email was sent to me. I explained to the rep that I did not receive an email that the dispute was completed. Plus, if this is system generated, an email will probably will not be generated if my dispute is showing currently in investigation. I have attached the screenshot from my Equifax account showing that the dispute is still in investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
It has come to our attention that a fraudulent account has been open in our sons name and someone has opened a fraudulent card using our child 's identity. I am asking that you close the account immediately and send us a letter confirming our child is not liable. 

TD BANK USA/TARGET CREDIT Last reported XX/XX/XXXX {$460.00} Reported balance Credit limit {$300.00} You're using 154 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 0 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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: NC

Complaint narrative:
I XXXX XXXX XXXX sent in a dispute ( dispute # XXXX ) with equifax stating that North Carolina XXXX XXXX XXXX XXXX where reporting false information about my payment history. The last date that was paid to NC XXXX XXXX XXXX XXXX was on XX/XX/2016 and there hasnt been anyother payment with them since then. They Charged the account off in XXXX of XXXX I looked in my credit report and it states that i maid a payment in XXXX XXXX thats why i disputed with equifax XXXX On Speaken to XXXX with Equifax he stated that my dispute is closed and the information is correct. I asked XXXX with Equifax how did the company prove that i made a payment, he stated that they just notified them that the information is correct. I asked him did they show any proof of the payment being made. he said no. i asked him wh would you all just take the word from the company without proof. He stated that thats how they do. My complaint against equifax is that why put in a dispute if your only going to take one side without proof and its not fair. this account has been removed from my credit report from the other 2 credit reporting agencies because NC XXXX XXXX XXXX XXXX is Falsely reporeingbin accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I applied to refinance my current balloon payment loan with Loan Depot loanDepot.com, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX loan # XXXX. I have summited all the required documents including payment for the appraisal that was completed back in XXXX. During the process Loan Depot misplaced documents, oversaw detail of the title of the property as a result the loan process got delayed. Since my current loan is a balloon payment that expired in XX/XX/XXXX my current lender will no longer accept monthly payments as they are expecting a full loan payoff. It is now XX/XX/2021 and my loan continues to be under a conditional approval. I have contacted the loan officer, loan processor, loan processing manager and production manager and no one has replied to my request to know the status of the loan. As a result of the delay I am now in jeopardy of facing foreclosure. 
XXXX XXXX Licensed Lending Officer NMLS  # XXXX XXXX XXXX XXXX Account Manager XXXX XXXX XXXX Production Manager NMLS # XXXX XXXX XXXX Processing Manager

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Consumer Financial Services

Complaint narrative:
I am co signer for my husbands auto loan. Already paid off that loan 2 years ago. But showing open status on XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed a public record filing of bankruptcy because the furnisher of such reporting has not been verified by Transunion. I have disputed in writing on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I then disputed in XXXX, XXXX, XXXX, XXXX of XXXX. After all of these disputes, Transunion has yet to provide accurate information furnisher verification. This is important information to provide so that I can investigate and correct my report. In XX/XX/XXXX, I called in to initiate a phone dispute and Transunion informed me they were unable to access my report because they did not have my correct personal information and needed to send my file for maintenance. Finding out that Transunion has not been documenting my information correctly and then refusing to take my dispute is against all FCRA laws governing credit reporting agencies ensuring they are provided accurate and verifiable information for a consumer. When I called back later in XX/XX/XXXX to discuss the errors in my file and to once again request the furnisher of the bankruptcy reporting the manager XXXX informed me that they are not allowed to provide this information so that I can not investigate the origin of such information to get it corrected. Transunion has violated all rights I have to investigate, obtain verifiable information in order to correct my report, in addition, they have not been keeping accurate records of my personal information. I have attached a copy of the same dispute letters I have sent 10 times via USPS mail to Transunion. Transunion also does not show my record of disputing with them, which in turn makes me think they never investigated my dispute.

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 2021-04-23 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Credit Management is reporting a debt that is not mine. I recently checked my credit file and noticed this debt reporting on there. It looks like they are trying to collect for XXXX? I have never had an account with XXXX for as long as I've been alive. This account must be fraudulent and I have filed a police report for this account. I ask that during this investigation period Midland Credit remove all negative reporting from my credit file and such deletion letter will be provided to me. Reporting unvalidated debt on credit could constitute fraud under both federal and state laws so I ask that Midland Credit remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
The XXXX account XXXX is inaccurately reporting on my credit report. Experian and XXXX keep saying they have verified the information but I have evidence from XXXX saying otherwise. This inaccurate account needs to be removed immediately from my credit report or I will be seeking legal action.

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 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I signed up for the Chase United Airlines Business Credit card through Chase.com. The chase website stated that upon approval, i would receive XXXX united miles after spending XXXX  $ within the first 3 months. Upon approval of the card, Chase stated that the promotion actually requires a spend of XXXX  $ within the first 3 months. I have opened a case, and escalated it to the appropriate department. I provided website addresses, and even had the agent who opened the case go onto the website address provided, and confirm that the website does in fact state the XXXX  $ spend amount. The website also stated an expiration date of the promotion of a month after I applied. After 4 weeks, was told that the offer is still XXXX points after XXXX  $ and there is nothing they can do about it. There is no other department that can look into this, and that i have no further recourse through chase bank. 

My wife, who also applied for the card at the same time is also in the same situation as me. She has been waiting to hear back about the status of my complaint, before making her own complaint. Obviously, there is no points in opening a second claim through chase, so she will be included in the complaint i make to you. Her card is a separate card under her name with a separate application. I have screen shots which i had taken during both our applications for documentation. Chase bank also has a recording of the agent who opened my complaint confirming that the website was indeed showing the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
In XXXX of 2020 I became aware that an account with XXXX was reporting on my account in error and notified the credit bureaus. I double checked and both mine and my daughter 's student loans have been completed paid off. Furthermore, I have never had an account with this company nor have I made any payments to them - but it is being reported that on time payments are made. This must be a mixup but this credit bureau has ignored every attempt I have made to correct my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
SOUTHWEST CREDIT SYS reported a debt for {$140.00}, original creditor was XXXX. 
I don't recognize this debt, we have not worked with this company in about 5 years and the debts were paid in full after services were ended 5 years ago. 
I never received any debt verification for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Supreme Lending
State: AZ

Complaint narrative:
This lender has checked our credit score on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. OnXX/XX/XXXX he told us that he was going to call us back in order to start the housing process. He never called us and ghosted us. I have been asking for my credit report and he has not responded back. He was very unprofessional and has not taken the chance to write back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
We paid some of the debt to CBE Group and told them i would call them when i could pay more. they have called me every weekday for the last XXXX weeks. I dont have the money yet but it seems like harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
ECSI called me in XXXX as they must have bought debt from XX/XX/XXXXand threatened saying if I did not pay this debt that they would sue me and ruin my credit. 

ECSI reported my debt as being on a payment plan and even reported that I had made several payments this year which is false. 

I disputed this with all 3 credit bureaus after investigation ECSI has now reported the debt to be deferred and that I begin payments in XX/XX/XXXX which is another lie. 

ECSI is ruining my credit and reaging a XXXX year old debt by lying and threatening and ruining my XXXXredit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for an apartment, and I was asked for my employer to complete an employment verification. My employer completed it and submitted the application for processing. However, my application was denied based on a report from the service work number. According to XXXX ( the property management company ) stated that I am not entitled to the report. Although, it's a consumer product that generated a report, and there was an adverse action. 

On XX/XX/2021, I proceeded to try to obtain the report through Equifax Work number 's website at https : //theworknumber.com/solutions/consumers/employment-data-report. The service is fully automated. It is impossible to pay for the report unless you are a business subscribing to their service. If your employer is subscribed to the service, they have to provide you with information to enter their portal employer participates in the service. I work for a small family-owned business, and they are not participants in this service. 

I later downloaded their form and emailed the completed form to the address on their website with a copy of my license and paystub ( XX/XX/2021 ). I have not received a response. I want to know why the work numbers website is not accessible if they provide my financial information and taxes and have no access to it. 

I would like to have some assistance with this time-sensitive matter because the decision is based on erroneous information. I would like to have an opportunity to see the report and dispute any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Experian Information Solutions Inc.

Complaint narrative:
I am co signer for my husbands auto loan. Already paid off that loan 2 years ago. But showing open status on Experian credit 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 2021-04-23 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: CA

Complaint narrative:
The XXXX account XXXX is inaccurately reporting on my credit report. XXXX and Equifax keep saying they have verified the information but I have evidence from XXXX saying otherwise. This inaccurate account needs to be removed immediately from my credit report or I will be seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX i talk to one of the customer representative about my son 's account because his account has low balance. need to pay for withdraw fees from his account to cover the fund that's he use 'total is XXXX in XX/XX/XXXX XXXX i speak to one of the customer representative her name is XXXX she say they will refund XXXX dollars back to my son account! but today i found out they didn't did it even talk to the supervisor XXXX and the answer still no the bank doesn't responsible for this. What a joke why one people said OK turn around the another people say no what is the bank promise cheating the customer.

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 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Shellpoints payment history to the three credit bureaus is incorrect as of today. The loan was Service Transferred from XXXX XXXX to Shellpoint Mortgage Servicing with transfer date of XX/XX/XXXX. The loan was current and the attached XXXX statements show payments we made for XXXX, XXXX and XXXX of XXXX. We have made a total of XXXX payments from XX/XX/XXXX to XXXX of XXXX, that were all paid in each month with no late payments. 

The loan was Service Transferred from Shellpoint to XXXX XXXX XXXX starting on XX/XX/XXXX. The attached XXXX statement from XXXX will show that both XXXX and XXXX payments were posted. The statement shows the XXXX payment recorded for XX/XX/XXXX and XXXX 's payment for XX/XX/XXXX. Both payments were made by XXXX directly to XXXX XXXX XXXX. 

The attached screen shot from our Experian credit report shows a status date of XX/XX/XXXX that I captured today. It shows both XXXX and XX/XX/XXXX payments note being recorded to the credit bureaus. It also shows a XX/XX/XXXX payment, that should not be showing, because our last payment to Shellpoint was XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation