vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
So Ive been trying to grow my credit score and As of about 1 month ago JEFFERSON CAPITAL SYSTEMS started reporting negative remarks. I had no idea who or what this was. Turns out someone opened up an account with XXXX XXXX  on XX/XX/2021. They say I owe {$750.00}. This wasnt me. Ive had XXXX phone lines open with XXXX XXXX for almost 2 years. My phones are almost paid off. I dont miss my payments. Why would I go to a company like XXXX XXXX  anyway. Trash service. I called JCS and the guy clearly was foreign and I couldnt understand his name but he asked for my social security number over the phone. I told him I wouldnt do that and he insisted this. I NEVER opened this account! Ive disputed this twice with my credit account and they just updated my info. This is absurd. All I have to do is prove my location compared to where this was purchased or where was the money coming from? I know it didnt come from my account for sure. I need this removed from my credit account ASAP. Stop all debt collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me, nor did I authorize these inquiries to be pulled. Please remove them from my 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 2021-07-02 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: NV

Complaint narrative:
There are accounts listed on my credit report that do not belong to me, nor did I authorize these inquiries to be pulled. Please remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am now represented by an attorney. JP morgan Chase should only contact my attorney in regard to the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have contacted SpeedyCash as well as the credit bureaus on two separate occasions to determine why this duplicate or inaccurate report is on my credit! I have been ignored and no response has been sent to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
have a card with capital one / bass pro shop the company claims they communicated restriction information on credit card then entered permanent restriction on credit use. we can no longer use the card and they wont review it. the communication they claim was sent to me was never received. furthermore, i am current on my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

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 2021-07-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted u.s. bank reliacard regarding fraudulent transactions on my account. I was advised that I would receive the dispute forms within 5-10 business days. When I seen I hadn't received them by the 8th day I contacted them for a fax number to send a written form. The fax number I was given was XXXX, I sent in my written statement on XX/XX/XXXX. I then noticed my account hadn't been credited the amount of {$480.00} in which had been compromised to my account. On XX/XX/XXXX I received a denial letter dated XX/XX/2021 stating my claim had been denied. Based on the terms and conditions on the cardholder agreement once the form had been received by the bank ( written or sent by the bank ) within 10 business days of opening the dispute I would be credited the amount of loss. The dispute resolution team denied my claim on the sixth business day, not allowing the full 10 business days to adequately investigate or compensate my account. It also states investigations could take 180 days to be complete. I feel as though this company denied my claim prematurely in order to not have to compensate me. I have spoken to many agents and supervisors stating they would figure out what's going on and that they believe this case was not investigated. I am requesting that they provide my provisional credit of XXXX dollars and that they do a complete investigation. As required by the cardholder agreement.

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 2021-07-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I am nearing the maturity date, and I am unable to re-modify the loan. I am facing three choices : 1. ) Short Sale, 2. ) Refinance, or 3. ) Foreclosure. 

After the death of my husband in XXXX, I was faced with taking over the mortgage for our home. The original lender refused to work out a modification with me because of my lack of income, and as a result, my home landed into foreclosure status. 

After looking for solutions for some time, I was finally able to obtain a loan modification. Of course, I was excited and relieved. My home was finally getting out of foreclosure status. I have been in this house for almost 50 years. My late husband and I created so many memories here along with the XXXX children that we raised. 

I signed the documents for the loan modification agreement on XX/XX/XXXX. I was given the maturity date of XX/XX/XXXX. Five years. Five years seemed like a long time. Of course, Id be in a better situation than I was currently in financially. Or so I thought. So much has transpired in the past 5 years including a global pandemic. So here we are on the brink of the maturity date of XX/XX/XXXX. 

I tried looking into the option of refinancing in XXXX of this year, but I was denied due to my income. So, I submitted a Request for Mortgage Assistance application to the same servicing company that had modified my home back in XXXX. After finally getting all the information to them that they required, it was XX/XX/XXXX. On XX/XX/XXXX, I received notification that I was denied re-modification due to Net Present Value ( NPV ). So here I am, facing the three options mentioned earlier. 

Desperately searching for solutions other than selling or foreclosure ( because I would love to stay in my home ), I was informed by a reliable source that, typically, loan modifications are for the life of the loan. When I signed the loan modification in XXXX for a 5-year term, I did not fully understand that I could have had a modification for the life of the loan. I feel that I was not completely informed of all my options when signing the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NY

Complaint narrative:
I SENT A CERTIFIED FTC INDENTITY THEFT AFFIDAVIT WITH SIGNATURE CONFIRMATION WITH PROOF OF MY ID TO EQUIFAX IT WAS RECEIVED ON XX/XX/2021 BY EQUIFAX AND SIGNED FOR BY XXXX XXXX EQUIFAX NEVER RESPONDED OR REMOVED THE ACCOUNTS LISTED BELOW TODAY IS XX/XX/2021 IT IS A VIOLATION TO NOT REMOVE THESE ACCOUNTS OR RESPOND TO MY REQUEST IT HAS BEEN OVER 60 DAYS section XXXX OF THE FCRA states that if this account is the result of identity theft, then it must be removed from my credit report. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY I HAVE ALSO ATTACHED MY PROOF RECEIPT OF MY PAPER WORK BEING DELIVERED AND SIGNED FOR BY XXXX XXXX OF EQUIFAX REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT 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 2021-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My wife and I refinanced with NewRez mortgage company back in XXXX but had an excess amount of {$5000.00} in our escrow account. Our previous mortgage company transferred the remaining escrow amount in our escrow account to NewRez instead of refunding the amount back to us. Once we discovered the error we contacted Newrez about the problem. Instead we were told that in XXXX that California escrow analysis is done in XXXX and what ever exceeded XXXX will refunded. Then we called the company back in XXXX just to be told that they changed the escrow analysis to the end of XXXX. The last time we called we were told that they did an analysis in XXXX and only do them once a year. It didn't make sense because the repeatedly told us the state of California escrow analysis are done in XXXX timeframe by law. Also if an analysis was done in XXXX why didn't they tell us when we called about the error our previous refinance company made when they transferred our escrow account to their company. NewRez just repeatedly gave us excuses on why they couldn't do the analysis to refund us the overage on our escrow account. They would never let us talk to anyone in escrow department about our problem. There is approximately {$10000.00} in the escrow account and they claim they did an escrow analysis in XXXX but we refinance the loan in XXXX. We have gone through at least 5 people including supervision with all different excuses. We just want our escrow refund due to us from this company instead of running us around in circles.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2013 I obtained a credit card through Wells Fargo. I was arrested later that year and was unable to pay the card. My family and I promptly told the bank about the arrest and that there would be no payments made due to this development. The bank did not work with my power of attorney I had done and closed the credit card off as bad debt. Now whenever I apply for a small loan, I am denied due to " serious delinquency '', which I believe is related to the bad debt charge off by Wells Fargo.

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 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
I purchased a single-family home from XXXX and closed on XX/XX/2021. I made my first two mortgage payments to XXXXXXXX XXXX on XX/XX/2021 and XX/XX/2021, and then received a notice in the mail that the loan is being sold to Lakeview Loan Servicing, as of XX/XX/2021. I called Lakeview to see if I am able to make a payment directly to them, in lieu of XXXXXXXX XXXX, and the associate I spoke to said yes, but wait 3 business days to make sure the information from XXXX XXXX  pulls over correctly. I made my mortgage payments to Lakeview Loan Servicing on XX/XX/2021, XX/XX/2021, and am about to make my third loan payment to Lakeview Loan Servicing today XXXX XX/XX/2021 XXXX. However, I want to refinance my loan and take advantage of lowering my interest rate since I lowered by XXXX by paying off credit and increasing my credit score. During the process of getting ready to refinance, I realized I had never received a statement from Lakeview Loan Servicing, despite making two payments. I checked their online website and their " Document Center '' does not have any statements available to view. Therefore, I called their customer care center, and I have been calling for the last three and a half weeks, talking to various supervisors, trying to get a statement. I should have had two by now, for XXXX and XXXX. Every time I speak to a supervisor, I am told they are working on obtaining a statement with their vendor and am told to give them more time and to call back in 48 hours OR I am told a statement will be emailed to me by the end of the day ( spoiler alert : I have never received a statement ). I have asked for the name of the vendor and they will not supply it to me. I have asked to speak to someone above a supervisor and I have been told there's no one else to talk to. I have asked what they're doing to get me a statement, and I have been told there's a XXXX request with the vendor to provide a statement and I still have not received a statement. I have been calling almost daily since approximately XX/XX/2021, and I still do not have a paper statement reflecting my loan information. This is a major compliance issue and, as a consumer, my rights are being violated per 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 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2021 i attempted to make a debit card transaction with my business debit card. The transaction was declined, and i had sufficient funds to cover the transaction. I called the BB & T Help number listed on my card, after being on hold for an hour and 32 minutes i spoke with a representative, who then transferred me to the fraud department. The representative in the fraud department informed me that BB & T had chose to close my business account due to a check being returned that was deposited into my account and due to the age of my account ( being fairly new ) i have been banking with BB & T for about 8 months now. I expressed to them i have no control over funds availability from checks that my clients right me, if they write me a check i assume that the check is good. We should not be penalized for this as it is out of our control. My account balance at this time is {$12000.00}. The bank has frozen these funds and say that they will be releasing them within 15 business days, which correlates to the end of XXXX. I am also going to have to open a new business bank account, notify my merchant processing company of changes to account information for incoming deposits my customers make via our online portal which is the method 95 % of my customers choose to pay. This change takes 10 business days. I can not begin to express the problems that holding this amount of money will cause for our business. We will also be delayed from receiving any future payments from clients until a new bank account is opened and the bank account change processes with our merchant processing company. All in all BB & T will be causing our business to operate without funds for close to a month. For a new business operating off of cash flow, this is crippling and will likely put us out of business or set us back so far that it will take a very long time to crawl out of. After making it through COVID19 we thought we had made it through one of the darkest times we would face, i now stand corrected.

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 2021-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX Amount : XXXX $ Collection Agency : SIMONS AGENCY INC XXXX XXXX XXXX XXXX, NY XXXX Complain I talked with the billing department of the original creditor " XXXX XXXX XXXX XXXX '' several times regarding this bill. Everything in my account was paid in XXXX XXXX. 
Picture1 : I got the letter front the collection agency for a debt which does not exist. 
Picture 2 : A letter sent by XXXX XXXX XXXX XXXX showing XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2021 I received a text from the number XXXX stating the following : " Bank of America FRAUD : Did you attempt to send money with XXXX for {$2900.00} on XXXX Reply YES or NO. '' I replied NO and, a few moments later, received a call from XXXX stating the individual was from Bank of America and he was following up on an attempted fraud transfer through XXXX to an individual with XXXX XXXX XXXX XXXX. He said we needed to walk through a series of steps via mobile banking to ensure we could reverse the transaction. Over the next 20-minutes, he directed me, step by step. I saw what he called alias account information in my name with XXXX XXXX XXXX XXXX and received confirmation emails to my personal account. I also saw the name " XXXX XXXX '' who was attached to the XXXX account. When I asked who she was, he said she was the person to attempted the fraud. As soon as I hit transfer -- which based on what I was looking at was TO MYSELF -- the call dropped and I instantly understood what had transpired. 

I instantly contacted the fraud department at Bank of America and they said they'd open a claim ( a process that takes up to 10 days and holds 45 days for the bank to determine if it was indeed fraud ). I also contacted my wireless provider. 

The next day, I went into a branch location with the screenshots I had taken during the fraudulent event, and faxed them to the BofA Fraud Department. I was told by the branch manager that I had very little chance of getting the funds returned as XXXX makes it difficult to prove, and the receiving bank would have to cooperate ( unlikely if they funds had already been withdrawn ). A truly unfortunate situation, especially as I've banked with this financial institution for nearly 20 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I purchased carpet in ~ {$6500.00} from Lowe 's at 0 % promotion for two years using Lowe 's credit card which is managed by Synchrony bank, the term of 2 years was ending on XX/XX/2021. I made regular monthly payments in last two years and brought the balance down to {$1100.00} in XXXX, XXXX. Somehow I thought my promotion was ending in XXXX, XXXX, but when I checked my online account on XX/XX/2021, I found out that I was charged {$2700.00} interest. I called the customer service and talked to an agent, she told me that if I make a payment of remaining Balance of {$1100.00}, the whole interest of {$2700.00} will be waived. I made the payment of {$1100.00} over the phone which was posted to my account on XX/XX/2021. But interest charged was still there, I called back and I was told again by an agent that interest removal request is still in the process and will take couple of days. I called again after the couple days, I was told again wait for few more days. I have called at least 7 times since XX/XX/XXXX and as of today this interest of {$2700.00} is still showing as an outstanding balance and agony is that they have charged {$63.00} on top of that by end of billing cycle. I called again yesterday and spoke with 3 agents, and supervisor and they still gave me the same message that this interest of {$2700.00} will be removed but they don't give me a definite date or timeline. This has created an unnecessary tension for me that charging {$2700.00} on {$1100.00} for a day is exorbitant amount of interest doesn't make sense and then it has been more than a month they have been telling me that it'll be removed but still haven't removed it and on top of that charging interest over interest. This is a blind exploitation and extortion against innocent consumers. Please help alleviate this tension for me, thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief