vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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: NV

Complaint narrative:
To whom it may concern, I am writing this letter to inform the Consumer Financial Protection Bureau of a repeated violation of my right under the Fair Credit Reporting Act and the laws which is governed by both the State of Nevada and the Federal government with regards to both a previous and current credit dispute. Equifax submitted a previous credit dispute on my behalf asking the creditor also known as ( XXXX XXXX XXXX XXXX ) to investigate account ( XXXX ) for inaccuracies which the account was investigated and deemed accurate. However I recently reviewed the account for errors and inconsistences and found that ( XXXX XXXX XXXX XXXX ) has several months of credit data which is still reporting inaccurately I have listed those months in question for your review. The months are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As you can see by the document I which I have attached, XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 60 days past due ) and XX/XX/XXXX ( 120 days past due ). There are also several months whereas no data was entered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And last but not least, although this account has been charged off and closed, it is still reporting a balance and past due amount and has consistently reported charge off after the closed date which is showing up as a new charge off each month on my consumer credit report since the month it was reported as closed. These inaccuracy continues to further damage my consumer credit file on a month by month and year by year basis. Equifax/XXXX XXXX XXXX XXXX has had plenty of opportunities to correct these inaccuracies over the course of over 4 years but continue to work in partnership to ensure that my credit score remains unchangeable. Both companies investigated this matter within the allotted time frame provided by the Fair Credit Reporting Act and with disregard submitted this false and inaccurate information/data into my consumer credit file having verified by EQUIFAX that the information entered into my consumer credit file post investigation was correct. Recently, I have asked Equifax to " DELETE '' this account off of my credit file but they have ignored my requested and have since initialized a reinvestigation which is a violated the Fair Credit Reporting Act which is governed by both Federal and the State of Nevada. Given the numerous errors in credit reporting and the blatant disregard of both State and Federal lawand the several years of harm it has caused due to the inaccuracies, I ask that this account XXXX XXXX XXXX XXXX ( XXXX be DELETED/REMOVED from my consumer credit file promptly and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: NC

Complaint narrative:
I received a call from a man from a South Carolina phone number claiming to be from Regional Finance who said he could help me with my Debt. I told him I know nothing about any company called Regional Finance and my credit is excellent. He asked to confirm my identity and I asked him to confirm his as he is the one who called me. 
He got upset claiming I was behind in payments and he wanted to help get my account up to date. I said I am not paying any phantom debt and he could XXXX off or I'd come to his house and make him pay the debt. He wanted to confirm my address. I said that you called me so you should have my address if I truly owe a debt, so I am not providing that for you. He mentioned my name again but this time with a different last name. I told him it wasn't me and he proceeded to tell me that my identity may have been stolen or someone used my phone number for a loan. I hung up and then searched for the Regional Finance bank office in XXXX, NC and called the office I found. I spoke with a lady who looked me up in their system by my phone number. She said that I was on a loan call list and have been marked to not call in their system. I asked to speak with someone to confirm why they were calling me about a loan I did not owe. She then transferred me to a man, whose voice I recognized as the one who called me earlier. 
He told me that my phone number has been marked as do not call from the loan and that he didn't wake up today and say he was going to harass people for money. 
I find this hard to believe as I received a piece of mail from them two days later for a different person at my home address who you can clearly see in the attached document is NOT my address and NOT my last name! 
It is obvious to me that the person they are after is not me and the address is different. Why then did they go find a person with the same name and call them to collect a debt - that is a poor tactic to collect money for a debt from the wrong person. It is obvious that that person is not me, so they should have never called me to pay any money I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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:
Hello and thank you for reading my complaint! Since XX/XX/2020, I noticed a few errors on my credit report and wanted to dispute them in accordance with the FRCA etc laws. I have noticed these companies have not verified any negative item that I have disputed and yet keep reporting without proof the way the courts recognized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To whom it may concern : I was the Managing Partner and CEO of XXXX, XXXX, a small software company located in XXXX, FL from approximately XX/XX/XXXX until XX/XX/XXXX, at which point the company was closed down due to financial problems. From roughly XXXX until the company 's close I was a minority shareholder and owned approximately 15 % of the company. 

Before the company was shut down in XX/XX/XXXX, it borrowed approximately {$130000.00} in the Fall of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, and the servicer, XXXX XXXX XXXX XXXX XXXX located at XXXX XX/XX/XXXX XXXX XXXX, XXXX Fl New York, NY XXXX. This loan was unsecured. It had NO personal guarantees and even had a clause expressly written into the agreement stating exactly that. When the company was shut down there were no assets left to repay this debt. 

Therefore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit against myself and my father, XXXX XXXX , who was also a company shareholder, in a New York court in an attempt to collect the debt from us personally. We defended ourselves pro se and the case was dismissed ( based on the fact that we had not personally guaranteed the debt and showed proof of that to the court ). 

This debt has never been determined to be a valid personal debt of ours. However, that did not stop XXXX XXXX from filing a personal debt collection against me with all three of the credit bureaus. This debt has been on my personal credit report as an outstanding and delinquent debt that I personally owe. However, by law, I do not owe this debt personally and I would like it removed from my credit report. It has been negatively impacting my credit score, despite me not being personally responsible for the outstanding amount. 

Rgds, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: Nelnet, Inc.
State: SC

Complaint narrative:
My loan was originally with Great Lakes. I have been paying on my loans since the mid XXXX. I borrowed around XXXX. My loan was up as high as XXXX for many years. I had paid it down to close to XXXX or so by paying more than the amount required. Suddenly, my loan was sold to Nelnet. The terms changed, and my loan though I am paying more per month, one of my loans is actually going up. I am not significantly impacting principal, but based upon the document they just sent for interest paid for 2020 ( approx 1,400 ) I am not impacting interest either. They are applying my money to future payments, while claiming to charge daily interest. Furthermore, they told me my loans were not eligible for the cares act interest freeze. During the time I have been paying this loan, I was an XXXX XXXX for five years, I served in the United States XXXX in XXXX, I served as a XXXX XXXX for 8 years, and XXXX XXXX for 8 years. I suffer from XXXX and other service connected injuries I sustained as a result of my service. I also suffer from a XXXX. I am currently 90 % service connected, but to get to this point I spiraled down unknowing, but I have never missed a payment. I have more than paid this loan back. I have paid my home loan down faster. This loan boarders on predatory. This is really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Over the last 3  years multiple of my financial accounts from various companies have terminated my existing accounts that had been in good standing for years. These types of accounts and companies include : - American Express Consumer Credit Cards - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal investment account - XXXX XXXX XXXX XXXX  Account / XXXX Checkings Account All these accounts were terminated abruptly and with no explanation ( aside from XXXX, who sent a generic letter via mail ). 

Ive called each company to find out why I didnt receive a notice, what the reasoning was, or to request an adverse action letter. 

Each company has given me an almost identical response, which is Per the terms of your agreement, we can terminate your account at anytime and without reason and/or We terminated your account due to a business decision. 

After my many calls, letters, and emails to find out why I was terminated or what system or third party was used to make this business decision, I am given no response. 

When my financial advisor learned my ROTH IRA account with XXXX was terminated, he was able to contact someone at XXXX and learned it was due to me being flagged on the AML ( anti money laundering list  ). 

We were both blown away, I havent a clue how to even launder money. However, 11 years ago I was XX/XX/XXXXof a felony when I was XXXX related to XXXX. I had a feeling my crime ( which no restitution is owed, no liens or judgements ) is somehow flagging on 3rd party screening software to supplement my credit profile and incorrectly identifying me being on the XXXX. 

I have no clue how to proceed, because no company will even give me anything beyond a business decision as to the reasoning. I am afraid to apply to other financial institutions because I may be blacklisted. It leaves me in a difficult situation when it comes to banking and investing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quall Cardot LLP
State: CA

Complaint narrative:
Quall Cardot is a debt collection agency parading themselves as a law firm that apparetly has the ability to take money from me that I have in a checking account to use as they see fit. 

I had {$3400.00} taken from a bank account that I needed to pay my rent, taxes, and other obligations. This collection agency took my money without my consent, or providing me with notification ahead of time. They said they were unwilling to work with me on a payment plan regarding the {$3400.00} -- however, they would be willing to set up a payment plan for other obligations I have. This company would not tell me when, how, or how much money I owed -- but they said there was absolutely no way I would ever get the {$3400.00} they already took back from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I recently had {$3500.00} stolen from my account fraudulently and to put it lightly, the worst part about my situation was my experience with how TD Bank handled the incident rather than the fraud itself. 

On XX/XX/2021 at XXXX, I received a call from the real TD bank customer service number ( XXXX is what showed on my caller ID ). The Agent claimed to be XXXX with the TD Bank fraud department. XXXX with TD Bank advised that I had a few suspicious charges on my account from XXXX, New York. He asked for my permission to send these charges over to their fraud department and I said sure. All he needed me to do was reply Y to a series of normal cell phone text messages. 

At no point during this call did I visit TD Banks website, use their banking app, provide my private information to the caller, or request that funds be transferred out of my account in any way. The call ended with no other actions taking place. 

Unfortunately, what I did not know is that TD Bank had already granted this person access to my account without my involvement. 

I have now been told that the criminal used TD Banks XXXX service, a service that I have never used during my time with TD and did not use on that day either. The individual initiated twenty-three charges in total using TDs XXXX service. 

After the call, I went to check my account and realized something was fishy when I couldnt log into my mobile checking account. So I called the bank using the same number I always use. As instructed by TD, I notified the police of the event and have been working with a detective here in XXXX, MA. I have now submitted three fraudulent claims through TD customer service representatives and sent a record of the police report as well. The representative that I have been in touch with at my local TD branch has even submitted a letter of acknowledgment that my situation is legitimate. 

Furthermore, I have been calling customer service consistently to check up on the status of my claims and to ensure they have received all pieces of documentation to validate my case. Each time asking for my story to be repeated. I found out by way of calling customer service my claims of fraud have been denied. I have come to conclude that my story had been skewed and altered to fit TD Banks definition of a scam, even though the criminal clearly gained access to my account before ever calling me. 

TD Banks unwillingness to listen and the skewing of facts has made this a profoundly frustrating and long process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/2019 I deposited my short term XXXX check that Anthem had sent me check # XXXX ( XXXX XXXX XXXX ) from XXXX XXXX XXXX ( XXXX ) for the Amount of {$7800.00}. The account was created the day I deposited the check through Suntrust Bank in XXXX Va. The bank teller took all my info and made a copy of my Military ID and my SSN card. Opened a Savings and Checking account. The clerk printed my paperwork out gave me a packet with starter checks and deposit forms and my banking info. The next day I called and made sure my check had deposited and teller had told me yes the funds were available. So not having a ATM card at that time I went to Suntrust where I opened account and went in to withdraw some money and there they told me the clerk that opened my account did not get the proper ID information and therefore they had froze and will close the account for further investigation. I had informed the Manager that that was not my fault and I needed to either get the check back or I needed Suntrust to contact the check holder ( XXXX XXXX XXXX ) to reclaim check so I could get the check reissued back to me. Suntrust has given me the run around for a year and four months now. I had requested several times for Suntrust to notify XXXX XXXX XXXX they had this check on hold and they needed to reclaim it, but they said I had to get with the check holder and notify them of that the check was on hold. I have and the check holder said they tried to call and couldn't get any info on this. I need some assistance on getting the money that is owed to me 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 non-monetary relief
Consumer complaint received 2021-03-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. There is a fraudulent account from XXXX XXXX being reported on my Experian credit report. The account with a balance of {$640.00} is a result of identity theft. I have attached copies of my ID and the FTC report for this account.

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 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
The FREEDOM Mortgage company called me and offered me a refinance. They asked me for a schedule of property owned. I returned that document to them in 2 days. When the agent CALLED ME BACK he asked for more information and then told me the offer was for Monday XX/XX/21 ONLY and that on XX/XX/21 when I returned the documents to them they could NOT honor the offer. The Rate was above the market but had no fees. HE did NOT tell me on Monday it was for that day only. HE advised me on Wednesday he didn't know that was going to happen, but I specifically asked them NOT to run my credit unless the offer was solid. Now they misrepresented the offer, ran my credit which hurts my credit score AND they " bait and switched '' me on the refinance offer. I want the offer honored OR I want the inquiry on my credit report removed!!! See attached- NO reference to " today only ''

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 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I notified Loancare I was laid off at end of XX/XX/XXXX and on XX/XX/XXXX Loancare sent me the confirmation of my forberance being submitted. After that no response from loancare to my letters, emails even when their bills shows the customer email they do not respond at all. My phone calls are not answered at all and no ne pick up the phone and we can't leave even a voicemail. I got my XXXX money and I was able to pay my mortgage up to XX/XX/XXXX with my unemployment benefits feed my family. No more unemployment after XX/XX/XXXX. I have no job and taxes are not even posted yet in my account. I sent a letter to President Biden but no response since XX/XX/XXXX. My loan # is:XXXX.

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 2021-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Shellpoint mortgage was the 3rd services assigned to my note. The debt was apparently bought by six different Bank or mortgage companies just since XXXX, I've lived in my home for 20 years now. 

Advertisements Any way in XXXX my loan serviced by XXXX assigned by both XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX and XXXX however never filed a record of deed in my district courts of XXXX County in XXXX Record of deeds office. During that. Statement had recv a loan modification which extended my payment years bringing my 25 year note to a 32 yr note which within the first five years flattened out at a ride in interest fee to a whopping XXXX per cent and apparently added over XXXX to the balance of my debt. 

Not one company this note was service by was ever opened with a positive escrow like it should of but shellpoint leveled the playing field dirtier than any of them in the past..they sent me directly to foreclosure stating they had full control over account as of XX/XX/XXXX and sent me a notice to accelerate foreclosure proceeding as of XX/XX/XXXX EVEN THOUGH I HAD SENT THEM AND THE CS OF PRIOR SERVICER HAD SENT THEM OK ACCOUNT IN GOOD STANDING AND CURRENT DUE TO A MODIFICATION THEY JUST FINALIZED IN XX/XX/XXXX DIRECTLY THEN FLIPPING MY MORTGAGE TO US BANK ON XXXX XXXX XX/XX/XXXX. 

WELL THEY HAD FINALLY GOT A JUDGE TO SIGN THE MOTION TO DISCLOSE AFTER A BOTCHED BANKRUPTCY WAS DISMISSED NOT ONCE BUT TWICE.YET MY ATTY THE JUDGE AND THEMSELVES WERE PERFECTLY AWARE THAT THEY WERE CONTACTING ME THROUGHOUT THE BANKRUPTCY YET NO ONE ACKNOWLEDGED THAT AS ILLEGAL NOT EVEN MY BOGUS ATTY XXXX XXXX XXXX AND HER INCOMPETENT XXXX PARALEGAL STAFF. 

*******WHAT DID I DO.. I TURNED TO XXXX CONSUMER AND BLASTED SHELLPOINT FOR THE *** ID NOT ONLY GONE THROUGH SPECIFICALLY WITH THEM OVER TWO YEARS, HOWEVER THE WHOLE 18 YEAR PERIOD ID CONSTANTLY BEEN THREATENED OR HAD MONEY TAKEN TO PAY MONTHS ID ALREADY SUBMITTED PAYMENTS FOR. XXXX WELL IN XXXX GOTTEN EN ANIMAL FROM A AMAZING WOMEN/Paralegal to XXXX XXXX who is CURRENTLY GATHERING EVIDENCE AND HAS WRITTEN THE INITIAL FILING TO A CLASS ACTION LAWSUIT AGAINST CHECKPOINT LOAN SERVERS PLEASE GO ONTO THEWebsiteE AND FILL OUT YOUR ONLINE SUBmission http : /Gucovschi-law.com/mortgages

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This has been my third time trying to deal with this. My identity was stolen please block and remove this account.

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