vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST GUARANTY MORTGAGE CORP
State: NJ

Complaint narrative:
On or about XX/XX/2013 I took out a XXXXmortgage from XX/XX/XXXX who sold to First Guarantee Mortgage Corp. I was told I needed to hire an inspector from their list of approved inspectors. I hired the inspector that prepared the list of all the work needed. I hired the contractor to do the work. The contractor swindled me and the lender payed out over {$30000.00}. for material paid by me prior to hiring the contractor. For work never completed and work not done in accordance to the written work order. I sued the lender for damages and the matter was dismissed with prejudice by a judge of the superior court in XXXX XXXX. I was broke, about to loose the house in foreclosure because I did not want to pay the bank until they addressed what had just happened. I couldn't afford to hire a lawyer and no one would take my case on contingency. I did not know how to properly present all the evidence to the court and the judge told me I was wasting everybody 's time and told me he was not going to allow that. But I still had evidence that the bank did not ensure that I was protected and that all the laws were followed before they disbursed all the money I borrowed which the lender held in escrow, violating the fiduciary relationship. HUD put a {$60000.00}. lien on my house and I can't even refinance to get a better interest rate without paying the lien. So years later I am still under the huge burden imposed on me by a fraudulent lender. I had to pay for all the work to fix the house, pay the mortgage, pay back the money I borrowed to fix the home and pay the lien, while the lender literally gave away all the money I borrowed to a crook. I need help! The lender can't just get away with what they did just because I didn't know how to file my evidence in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: I.C. System, Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-20 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
my account has been permanently suspended and closed for suspicious activity as I was spending large amounts, more than usual. I received {$3500.00} on XX/XX/XXXX at XXXX a.m. from a company that I work for called XXXX XXXX, I sent {$500.00} at XXXX to my sons PayPal XXXX XX/XX/XXXX and {$1200.00} at XXXX XXXX for a money order for my rent XXXX a.m. and I received {$120.00} from a client named XXXX XXXX XXXX XXXX p.m. And then I accidentally sent her {$120.00} and then she sent it back. I then spent {$540.00} at XXXX on XX/XX/XXXX to XXXX XXXX but it shows it was completed on XX/XX/XXXX my goal is to receive my money sooner or to unsuspend my account as this is a mistake and they asked for my personal information my passwords and everything to my website I gave it, and also if it helps I provide a service not products or items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: MI

Complaint narrative:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten anything in response please remove this inaccurate inquiries information XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXXEquifax XXXX XXXXEquifax XXXX XXXX-Equifax XXXX XXXX-Equifax XXXX XXXX XXXXEquifax XXXX  XXXX-Equifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXXEquifax XXXX-Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
My vehicle was deemed totalled XX/XX/XXXX. I sent the POA and other documents to XXXX XXXX XXXX  who forwarded the information to Kia Motors Finance on XX/XX/XXXX. Supposedly the documents were never received, so the letter of guarantee to actually close the loan was not issued. I was told multiple times before XX/XX/XXXX that the documents were received and the letter of guarantee had been sent. However, when I spoke to an agent on XX/XX/XXXX, I was told the documents had not actually been received. I requested for the insurance to resend and supposedly this was done on XX/XX/XXXX, which KMF verified when I've followed up. I was told the LOG would be sent in XXXX business days and as of today, XX/XX/XXXX, no LOG has been generated. I've called, as well as the insurance company, and each time, no one can provide an answer, but can only escalate the issue. I've requested information 4 times from the Total Loss department and received nothing in response. In the meantime, the loan is still open and I'm required to make payments that are hard to produce, especially considering that I have now had a new car for THREE months.

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 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a long-time customer at Chase Bank. On XX/XX/2021 unknown persons gained electronic entry to my business account. Those people made 3 separate ACH withdrawals totaling {$15000.00}. I went to my local Chase Bank, reported the fraud. Chase closed the old account, opened a new one, and credited {$15000.00} to my new account. 
On XX/XX/XXXX, unknown person gained electronic entry to new account taking {$9000.00}. Went back to Chase and reported theft. On XX/XX/XXXX, unknown person again gained electronic entry to same account and stole {$4000.00} electronically and another {$1500.00}. I went back to Chase again. On XX/XX/XXXX, Chase credited the amounts stolen. On XX/XX/XXXX, I went to Chase and opened a savings account, where no on-line access was allowed. I put in {$10000.00} into this account and on XX/XX/XXXX I put another {$5500.00} into this account on XX/XX/XXXX. 
On XX/XX/2021 Chase Bank took back of of the credits they gave me as a result of the theft and did not notify me of this. I went into Chase on XX/XX/XXXX because I saw my business account was overdrawn by {$15000.00}. Chase told me they could not find any evidence of fraud and were taking back the reimbursements they gave me. The fraud department refused to give me any additional information. 
I never opened an ACH account for bills to be paid from my business checking. I don't know who stole my money, or why the Bank won't give the information. The people I have dealt with at Chase were XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
XXXX XXXX helped me to file a complaint with Chase bank account. 
This is ruining my credit and my small business. 
The Bank won't give me information and never sent me any notice.This is just wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with Wells Fargo in the amount of {$2100.00} which was 40 % of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted Wells Fargo and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.

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 2021-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This is regarding a car financed though GM Financial. The car was totaled and paid off in 2018. I called GM Financial after I was notified that the insurance and GAP had paid the car off to ask if we owed anything else. The lady said no that everything was taken care of. I thanked them for their help with everything. About 6 months later {$240.00} was put against me on my credit report. 

I was so outdone with this and I called them to get it straightened out. I asked them why this was put on my credit and they said it was fees that was not collected. I told them that I had asked if I owed anything once the car was paid off and I was told no. 

I was never late on any of the car payments. If my son wasn't able to pay it I always paid the payments. My credit is precious to me and I try my best to protect it at all cost. 

I paid XXXX XXXX to clear this up for me and after many attempts of trying they told me to contact you. They were able to convince one of the credit bureaus that this was not owed and they fixed it on their end. 

However, one of them did not fix anything and It's hurting my credit so much. Every-time I get my score back up they put it back on there again and my credit report takes a huge dip. 

If I truly thought that I owed this I would have paid it a long time ago. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: MI

Complaint narrative:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Please help this medical account every two months is sold to another company. This is NOT mine nor can anyone validate it. I haven't received any notices from this new company at all giving me the right to dispute it. All I ever get it is added to my credit file which is not fair, right, or accurate. 

Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 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: CARMEL FINANCIAL CORPORATION, INC.
State: MS

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CARMEL FINAN XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover account. They harass me and call family and friends of mine. They called early in the morning and late at night. They closed my account showing two late payments. I was never late. they told me payments were deferred due to covid -19. they refused to take my money. I feel as if they have discriminated against me. it has destroyed my perfect credit rating and i stand to loose thousands on an home purchase with escrow. These late payments need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NC

Complaint narrative:
XXXX  - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : Major XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2021-05-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX XXXX account. I will attach my bank statement from XXXX XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
On XX/XX/2021 I reviewed my credit report with XXXX. I had noticed a collection item was placed on there for XXXX XXXX in the amount of {$6800.00}. Account number displayed was XXXX. I called the collections agency which was named Enhanced Recovery CO L with a phone number XXXX. I spoke to the Office of the President. I advised the rep who answered there are multiple violations regarding the FCRA. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you ERC has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Also ERC did not send me a letter in writing to give me any notice of such debt. They are legally to send me a letter in writing allowing me 30 days to dispute the validity of a debt in which they did not. They put it on my credit report with no notice. 

I requested proof bearing any documents with my signature on it with ERC 's company documents or any letterhead. They have been unable to provide proof of my signature on any of thier company documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX Auto account. I will attach my bank statement from XXXX  XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit file.

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 2021-05-20 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.
State: IL

Complaint narrative:
I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX Auto account. I will attach my bank statement from XXXX XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit file.

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