vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
I have a previous CFPB complaint that I filed on XXXX against RMC. On XXXX XXXX compliance Officer XXXX XXXX responded to CFPB stating that RMC will be removing the amount from my credit report. I called RMC on XXXX and asked when would they send in proper documentation to XXXX to remove this debt for my credit report. XXXX XXXX told me that she has someone that does that and will handle it. I called XXXX XXXX to make sure that the account was remove. I not only did I find out that its still there but also found out that RMC reported it XXXX after sending that they would have it removed XXXX according to the response from XXXX XXXX. XXXX updates daily. I call daily. RMC is FALSIFYING documents. The account amount should not only be changed but also the account should be deleted. In my attachment there is the Letter that RMC XXXX XXXX statement on XXXX. The report should not have reported as a collection. I would also like documentation from RMC stating that the account has been removed not that it will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with Experian, XXXX or 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 2021-11-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am very upset with this issue. I sent a letter to the creditors and collection agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
On XX/XX/21, I submitted a mortgage payment online ( {$1600.00} ). I believed I had turned off the auto-pay through the app, but I turned out to be wrong. I observed in my checking account that another payment was set to clear on XX/XX/21. The app was misleading in my opinion ( I work in the financial services space and still didn't figure it out ). I contacted the company immediately ( XXXX ) before the payment cleared. The customer service rep said she would try to reverse the payment, but, failing that, they would send me a check to refund the duplicate payment. To date, I have still not received the check. I called two times to check on the status and was told the refund check was issued on XXXX. The fourth time I called about this issue ( on XXXX ), I learned they had the wrong apartment number. The apartment number was corrected, and I asked the check to be expedited. The fifth time I called ( XXXX ), I was told that the check went out on XXXX. As of yesterday ( XXXX ), I still have not received the check. This has punched a hole in my finances. I applied for and was granted a forbearance last month. Attached is a screenshot of the misleading app. ( I was told the draft date, which is the payment due date, is different than the period to which the draft applies. The app should simply make clear whether autopay is ON or OFF. )

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 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc
State: TN

Complaint narrative:
Requested proof of debt, including any documents I signed stating I would pay the debt on top of outrageous interest charges. They told me several times they were attorneys over the phone. They have called me for 4 years even through the pandemic. Very rude and aggressive over the phone and have yet to send me anything verifying I actually owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS has illegally denied my right to avoid foreclosure under the CA Homeowner Bill of Rights for NO VALID reason. 

The offer submitted is in line with the value that SPS did on the home. There is NO reason to deny my short sale. 

2nd lien holder has a foreclosure sale date scheduled for XX/XX/21. I will hold SPS personally and legally liable for all issues relating to legal fees and credit reporting damage associated to that action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had XXXX checking accounts with Regions Bank. XXXX account went into a negative status due to some unauthorized transactions that came through. I specifically asked if Regions would reach into my positive account to satisfy the other account 's negative balance and I was was expressly told by multiple representatives that Regions would never do that. That turned out to be a false misrepresentation because on XX/XX/2021, Regions debited my positive account to satisfy the negative balance of {$820.00}. I have contacted multiple departments at Regions to obtain relief regarding their false misrepresentations but Regions has refused to reverse and/or dispute the transaction. I am currently out {$820.00} through no fault of my own because I relied on their false misrepresentations. Had I been informed correctly, I would have contacted the collections department to establish a payment plan to stop any withdrawals from my positive account. It is not right that they can tell their customers wrong information and have the customers rely on that false information to their detriment and then not offer any relief whatsoever. Importantly, I never received any notifications about the debt in the negative account advising that they would collect it from another account at Regions or that I could dispute the debt.

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 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
I received a notice from Williams and Fudge bi have never had an account with them nor XXXX. This is fraud and I am convinced my bf did this. I submitted a FTC report and filed a dispute with the CRAs and ask that this item be deleted as they are violating FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings

Complaint narrative:
Ad Ashta has ignored attempts to update the credit bureau records. I will attach correspondent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is REFUSING TO REQUEST OF THE THREE CREDIT REPORTING AGENCIES, REMOVAL OF CLOSED CREDIT CARD ACCOUNTS THAT HAVE BEEN CLOSED SINCE 2016, AND ARE NOT GOING TO BE RE-OPENED! 

If a bank can report information about a credit card account TO the CRA 's, they should be able to REQUEST REMOVAL OF OUT-DATED AND CLOSED CREDIT CARD ACCOUNT INFORMATION TO THE SAME SOURCES!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Verisk Analytics Inc
State: GA

Complaint narrative:
I am a consumer filing this complaint against Verisk/LCI because they have are selling Unproven, NON COMPLIANT, or Unverified adverse items to XXXX to furnish on my consumer report. XXXX has continuously reported a bankruptcy item supplied by LCI and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

1. Account Name : XXXX XXXX XXXX XXXX  Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Verisk / LCI written instruction or permission to report this erroneous information to any 3rd party to furnish on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 
XXXX has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I was treated in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, NC. ) I am covered under XXXX XXXX XXXX and XXXX and NC XXXX XXXX since XXXX. Apparently 2 invoices of NOT paid were sent to Bull City Finance in XXXX NC for collection. I went to XXXX billing dept and obtained Paid in Full Invoices for All bills pertaining to me. I do NOT owe ANY bill at XXXX XXXX XXXX. I sent 2 copies of the paid invoice to Bull City. No Response at all for 3 months. I ask Bull City for verification of debt. They sent me collection info on a XXXX XXXX XXXX. ( Total stranger to me ) .6 pages. These collections remain on my Credit reports all 3. This account was settles in XXXX XXXX.per XXXX XXXX XXXX . Bull City continues to report this debt to credit agencies and this is NOT fair. They refuse to acknowledge me at all. I have disputed with XXXX, XXXX and XXXX 7 times, still Bull City maintains that I owe this I do NOT. ps NEVER have I received any statement what-ever from Bull City , ever. My credit score and life is suffering from their out-dated, incorrect information. Not to mention H.I.P.P.A violations pertaining to XXXX XXXX XXXX. I have her entire Medical History and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received a notice from XXXX XXXX  XXXX bi have never had an account with them nor XXXX. This is fraud and I am convinced my bf did this. I submitted a FTC report and filed a dispute with the CRAs and ask that this item be deleted as they are violating FCRA and FDCPA.

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 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XX/XX/2021 two items were cancelled with XXXX and I was charged for those items and was supposed to get {$21.00} back for the two items the bank chime is withholding it and won't stop withholding it. I never received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: KY

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 and XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have been trying to get my CREDIT FILE from this company and it has not been sent to me.

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 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
i have been trying to verify my id and it will not accept any photo no matter how clear it is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
My mortgage servicer, Carrington Mortgage Services , LLC, failed to capture the XX/XX/XXXX {$250.00} property tax deduction from the Township of XXXX in the XX/XX/XXXX escrow analysis, resulting in an incorrect shortage and an increase in the monthly mortgage beginning with the XX/XX/XXXX statement with payment due on XX/XX/XXXX going forward. 

Additionally, Carrington Mortgage Services , LLC after updating their system to reflect the correct names ( XXXX XXXX XXXX and XXXX XXXX XXXX ) on the mortgage of record based on the XX/XX/XXXX assumption, modification and partial claim indicated that any excess escrow disbursement check would be issued to XXXX XXXX XXXX and XXXX XXXX XXXX. Any excess escrow disbursement check from XXXX should be issued solely to XXXX XXXX XXXX, since I as the principal borrower alone and homeowner am eligible and entitled to participate in an to receive the New Jersey Tax Reimbursement Program, the New Jersey Homestead Rebate Program, the Veterans property tax deduction, the Disability property tax deduction and/or the Senior property tax deduction from the Township of XXXX. Additionally, my name alone appears on the Deed. 

Thirdly, XXXX in updating their system to drop the names of the original signatories ( XXXX XXXX XXXX and XXXX XXXX XXXX, my deceased parents, to reflect the names that appear on the mortgage or record ( XXXX XXXX XXXX and XXXX XXXX XXXX ) based on the XX/XX/XXXX assumption, partial claim and modification, the servicer changed the correct property address ( XXXX XXXX XXXX, XXXX, NJ XXXX to the mailing address ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). 

Despite having contacted Carrington Mortgage Services , LLC on numerous occasions, including submitting a written request to the Carrington Research Department, these issues to date have not been addressed and resolved. Therefore, I am submitting this formal complaint against Carrington Mortgage Services to the CFPB. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
We have a mortgage with Suntrust/Truist , My title company as well as I have been trying to obtain the payoff letter for over a week I have contacted Suntrust no less than XXXX times. I have tried to access their website in order to get the information needed and there is no option for payoff information. It should not be this hard and I should not have to contact a company over and over again to get the information as I am scheduled to close tomorrow XX/XX/2021 and they are yet to produce the document

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 2021-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
My name is XXXX XXXX and I am a victim of identity theft. I have contacted Merchants Credit Guide on several occasions to remove these so called medical debts from my credit report and they refuse to do so. They have not complied with my requests under the FDCPA or FCRA and have failed to provide proof or verification of the alleged debt. I am once again enclosing my identity theft report and notice to XXXX XXXX and XXXX. I have never been to these facilities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has reported inquiries that are incorrect and I didn't authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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 report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase will not permit me to obtain my monthly credit card statement. I am signed up for electronic delivery, and receive notices by e-mail telling me the statement are available. 

When I try to obtain my statements, the JP Morgan Chase website says " We don't recognize this device '' and then no further progress is available. 

The payments on the cards are now past the due date, and damaging my credit. 

I sent a letter to XXXX XXXX, the CEO asking for help. I receive a call from XXXX claiming to be in the CEOs office. When I call back XXXX ext. XXXX, no one answers the phone. I have left at least XXXX messages, but never get a call back. 

My accounts are still unavailable and the intentional damage by JP Morgan Chase continues. 

Where is the accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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:
debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by XXXX, XXXX, equifax pursutant 15 usc 1692, and 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: CA

Complaint narrative:
debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by experian, XXXX, XXXX pursutant 15 usc 1692, and 15 usc 1681

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