vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 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: MI

Complaint narrative:
On XXXX/XXXX/202, I sent a letter to the credit bureaus in regards to inaccurate information being reported on my credit report. To this day 60 days later I have not received a response in regards to this dispute, to my understanding that have around 30 days to conduct a investigation to correct these inaccurate items or remove them from the report as stated in Section 611 ( A ) .. Since it has been 60 days to this date I demand that these accounts be removed from my credit report immediately or I will file for litigation due to the stress I have endured. My information was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX/XXXX/202, I sent a letter to the credit bureaus in regards to inaccurate information being reported on my credit report. To this day 60 days later I have not received a response in regards to this dispute, to my understanding that have around 30 days to conduct a investigation to correct these inaccurate items or remove them from the report as stated in Section 611 ( A ) .. Since it has been 60 days to this date I demand that these accounts be removed from my credit report immediately or I will file for litigation due to the stress I have endured. My information was impacted by the XXXX  data breach.

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 2021-03-02 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: SLM CORPORATION
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Banks - Cards - Rooms to Go -XXXX XXXX  XXXX XXXX Discount Tires XXXX XXXX XXXX XXXX Synchrony Bank closed both of my accounts destroying my credit. both accounts and Rooms to Go and Discount where current. They closed my accounts without notice and for no Reason. The XXXX XXXX XXXX  has on file over Synchrony Bank which include over 5,000 complaints again the bank. They will not answer any questions from me. They gave me no explanation for why they closed my accounts.

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 2021-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have a statement dated XX/XX/2021 from Carrington Mortgage Company of notice of intent to foreclose. As of XXXX I have, under the Cares Act FHA loan Covid Forebearance as stated under the moratorium until XX/XX/XXXX. Why did I receive this notice. This is a form of intimidation..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation
State: NV

Complaint narrative:
On XX/XX/2021, I logged onto my card account and saw that my account had been suspended/closed. This was done without any notification from the financial institution. I contacted customer service and was told that I needed to provide proof of identity. I provided copies of my driver 's license, social security card, proof of address, and proof of unemployment benefits. Although I provided ALL requested documents, my account is still showing that is suspended and customer service keeps giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
It's been over 30 days and no reply from the companies involved.

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 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: AZ

Complaint narrative:
Client services, inc is a fraud. XXXX XXXX XXXX XXXX XXXX in XXXX XXXX mo They have my name and address. Sent me a letter saying I owe them {$2500.00}. They say they are debt collectors. This letter looks so real who knows how many people they have frauded by this! Reading their comments, this has happened to many people. Also, people who work there have commented as its a horrible place and that its not for the kind hearted. Ya because yall are scammers!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I have received numerous letters pertaining to a debt that has been purchased by NCB. My wife, XXXX XXXX has been in contact with this organization multiple times and was given the option to settle the debt. 

First off, this company has purchased a debt that was charged off and reflects {$0.00} owed to the original creditor, XXXX. I have disputed this charge because it is an online transaction that I did not take complete. There is no signature, only electronic authorization using my information. While I received numerous pages of so called proof of this debt, I am still not certain it is my responsibility. 

My wife called and discussed this debt with collectors that agreed to settle this debt for a one time payment of {$500.00}, a portion of what is owed to satisfy the obligation, still not with certainty that this is in fact my debt. The only request she made was to have this completely deleted from the 3 credit bureaus in which it is being reported. Instead the company per a supervisor, demanded we pay the balance in full in order to delete the trade line. This is an unfair practice. The supervisor advised that only for the balance in full would the tradeline be deleted. He also explained that it could not be deleted. This is deceptive and a false statement by the representative of this company. 

I continue to get calls from the organization after she has spoken to this company and they refused to resolve this reasonably. Most recently on XX/XX/2021 she attempted again to pay the settlement offer of {$500.00} if it would be deleted. The representative continued to say the account couldn't be removed. At this point it is harassment. There is no other reason to continue to call to attempt to collect the debt that they hold hostage over our heads and continue to report on my credit bureau.

Secondly, I have researched this company and do not see where there is a license to collect debt in the State of Georgia per their website. Perhaps this company is a scam, and the accusations that money is owed to this company is all a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
XXXX is designed to reduce mortgage payments to XXXX percent of a homeowner 's pretax income or suspend monthly payments for at least one year as he seeks employment. The borrower must be unemployed and eligible for unemployment benefits, use the home as his primary residence, have taken out the loan no later than XXXX XXXX, XXXX, and owe no more than {$720000.00} on the mortgage balance. Borrowers who have fallen behind on payments, or expect to fall behind, may apply for XXXX 

XXXX  Application Process Applying for an XXXX  modification involves paperwork and an income review, similar to qualifying for a new home loan. Applicants complete the MHA " Request for Mortgage Assistance '' form, an MHA hardship affidavit and sign an MHA authorization form. A borrower who is already in foreclosure at the time of application may have to sign a letter acknowledging the simultaneous foreclosure and forbearance processes. Lenders may verify unemployment income borrowers are either drawing or eligible for, as well as borrower assets. Lenders may require that homeowners receive up to three months of unemployment benefit payments before an XXXX forbearance begins. 

THIS IS THE LOAN MODIFICATION IN WHICH I QUALIFY FOR. FREEDOM MORTGAGE KEEPS WANTING TO TAKE A FORBEARANCE WITHOUT MY PERMISSION

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 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2020 I authorized Chase Bank to run a one time credit report for a mortgage loan. XXXX XXXX XXXX is the Home Loan Advisor for Chase Bank and who assisted me with my application. 

On XXXX XXXX XXXX XXXX XXXX ran my credit report without my consent or knowledge of a pull. I wasnt notified or advised of an attempt to run a credit report. 

On XXXX XXXX My credit report on XXXX XXXX notified me that I had another hard inquiry on my Report from XXXX XXXX/JPMCB XXXX  XXXX. This was the same company who pulled my initial report on XX/XX/XXXX. 

In the first week of XX/XX/XXXX XXXX, XXXX I contacted XXXX XXXX XXXX via-email and by phone about a credit report that was run from Chase Bank twice. XXXX XXXX XXXX notified me that he initially ran the report again because a neglect error on his end. 

In XX/XX/2020 I contacted Chase Bank to file a compliant against the advisor for lack of professionalism and requested for a different advisor. In addition, a compliant to file the second hard pull of a report that was ran without my consent on XXXX XXXX. 

In XXXX XXXX, I have been In contact with Chase Bank to dispute my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Garcadia Financial LLC
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I started the process with Sunwest Mortgage Company for a refinancing. I submitted all forms requested on time by XX/XX/XXXX. They confirmed all was submitted. From that time to yesterday they continued to ask for additional information. Yesterday they requested a new survey of my home. The agent stated I was close to closing but would never give a date. I have a very high credit rating, equity in my home and long standing high paying job. I believe they never intended to give me a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: GA

Complaint narrative:
I continue to receive collections for a debt I do not owe. I have had over 20 conversations with XXXX XXXX XXXX in regards to a XXXX account that I so now owe a balance. At the end of every call, XXXX XXXX XXXX agrees that I owe nothing. I still am receiving collections from them. 

The person at XXXX said they made a mistake and will withdraw the collections. They then sent me a refund for the account. They credit the account which caused the refund. 

I have been dealing with this for six months. On average I spend 3-5 hours on with them discussing this issue. I have done that over 20 times thus far

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not able to apply for credit through equifax. I am not able to apply for anything that uses equifax. I have called and they say nothing is wrong but something is causing these errors in they system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Credit Karma, LLC
State: TN

Complaint narrative:
I would like to know the date when I gave consent for my information to be stored with these corrupt companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CORELOGIC INC
State: TN

Complaint narrative:
I would like to know the date when I gave consent for my information to be stored with these corrupt companies?

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 2021-03-02 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Multiple failed attempts at resolving the payoff of my mortgage. Customer service has been caught in multiple lies and fail to resolve issue. 
We purchased a home in XXXX, OK in XX/XX/XXXX and our mortgage was originally established with XXXX. My Account number is XXXX. We sold our home and closed on our mortgage on XX/XX/XXXX. The payoff was wired to Loancare and received the following week. The very same week they allegedly distributed the real estate taxes to the County. In addition the taxes were paid at closing with funds from the sale. This created a deficiency in the escrow that was not accounted for at the time of close. When Loancare received the wire they made no one aware of this and held the wire for three weeks until the title company and myself reached out to see why the loan was not considered paid in full. They said that the escrow deficiency was the reason that the wire was held because the pay off was not correct in their eyes. As I type this complaint the County has not received the tax distributions that Loancare alleges they have sent. We have asked Loancare to put a stop payment on the tax distribution and accept the wire. Instead of resolving this issue there the wire was sent back. Since then we have contacted the customer service department around 10 times to seek resolution. They still maintain that the taxes have been paid although the county has no receipt of the payment and Loancare can not produce anything indicating that the taxes have been paid. The title company is hesitant to resend the wire until the alleged escrow deficiency is resolved. The only record of payment that the county has is from the title company at the time of close from the funds of the sale. We have had the County on the lookout for Loancare 's tax payment. To date the payment has not been received by the County and Loancare will do nothing to resolve this. The title company is in the process of filing a formal complaint with the CFPB due to the trouble both of us have had getting this resolved. I am turning to the CFPB because it has been two and a half months since I have closed on my mortgage and we still have no resolution. Loancare has sent a foreclosure notice to me for a property that I no longer own. This is unacceptable to put it mild. I am at risk for having late payments posted on my credit report because of my mortgage company 's inability to get this resolved. If they had paid the taxes as they said the county would have received it by now and returned the money. They are lying to me and the title company and we will not suffer for it. In actuality if anything they owe me money from escrow after all is said and done. Please help.

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 2021-03-02 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX  AccT # XXXX ... 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert A. Schuerger Co., LPA
State: FL

Complaint narrative:
Recieved debt collection letter on XX/XX/2020. Sent a debt verification letter on XX/XX/2020 by certified mail within the 30 days disputing that I owed the debt and requesting verification of the debt. Company recieved debt verification letter which was confirmed by USPS certified mail, but they never sent verification documents. In XXXX they reported to XXXX  as a collection. This is against the Fair Debt Collection Practices Act as collectors need to send proof of debt if requested before continuing collection on debt including reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation