vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a copy of my credit report from XXXX  on XX/XX/XXXX. It reflected a hard credit inquiry on XX/XX/XXXX from CBNA BBY that we did not initiate. On XX/XX/XXXX I spent 2.5 hours on the phone with Citibank and/or Best Buy at four different numbers before I could reach a supervisor that transferred me to the fraud department at XXXX. The fraud representative name was XXXX and his employee ID is XXXX. Prior to the fraud dept. I spoke with XXXX with employee ID # XXXX at XXXX. They confirmed someone applied for a new account on XX/XX/XXXX. They stated the application was still pending and I had to talk with another department to report the fraud and prevent the account from being approved. After two hours on hold, they stated the account was approved but then shut down based upon my phone call regarding the fraud.

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 2021-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BTH Management
State: SC

Complaint narrative:
I had a loan with XXXX that went into collections with Plaza Services supposedly in XX/XX/2020 I didnt know anything about this until it showed up on my credit report in XXXX. I tried all XXXX to get in touch with them and could not and today I finally did and they have transferred the account to XXXX XXXX XXXX so I called them today to get the account number to set up a payment plan and she threatened me and said if I didnt pay it all today I would be sued and they had the paperwork ready. I informed her I was not going to do that and hung up. I then got on their website and emailed them to get the account number which they complied and I made XXXX dollar payment, they continue to send me letters demanding the whole amount immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Phone payment was made to my Chase mortgage account on XX/XX/2021 and a confirmation was given. Weeks later, Chase said there was a digit missing from the payment account # and is reporting my payment as late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
This has been going on for over six years. I successfully get this removed from my credit report. Then 5,6 or 7 months later it returns. 
A practice I have learned is known as rebirthing. It appears with a new date as well have the biggest impact on my credit report. Dynamic Recovery Solutions is the current perpetrator of this scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05 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: LA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 explanation
Consumer complaint received 2021-01-05 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: LA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
I requested an electronic pay off statement from S.N. Servicing Company and S.N Servicing Company has not sent the pay-off statement. The attached let claims that they mailed the pay-off statement and I still have not received the electronic pay-off statement I requested. My original request was for an electronic pay-off statement to be included in their response because I would like everyone to know about what SN Servicing Company has sent me in the past. How am I going to sell my house if I don't get a pay off statement. I am requesting an electronic pay-off statement for XX/XX/2021 so I can try and get what is needed together to sell the house. I have attached the letter that they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it immediately. 

4. Other information I would like changed XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Hello, I have contacted Portfolio Recovery Associates located at XXXX XXXX XXXX. 
XXXX, VA XXXX via certified mail on several occasions requesting that they validate a debit currently being attributed to me. I have requested the following : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Agreement between your company and the original creditor that authorizes you to collect on this debt However, they have failed to provide me with any of the above with the expectation of printed statements which does not confirm that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hi, I am shopping for refinance for one of my houses on XX/XX/2021. I have 2 mortgage with Wells Fargo Bank so I thought to check if refinance would save me money on monthly payments. 
I was talking to Mr XXXX XXXX ( NMLSR ID XXXX ). He pulled a hard credit check without my consent and without me providing my SSN on phone or the application. I assume Wells Fargo would have my SSN but they should legally ask for me for my consent since I wasn't committed for loan I just wanted to enquire about the rates. 

Initially it appeared to me that they are doing soft credit check without SSN but they went ahead and did a hard enquiry what mysterious to me is that at no point I provided my SSN This is significant breach of common assumed protocol and its predatory lending to lure people to get business and this should be investigated. 

When I countered the agent he said he has no idea how it would happen and blamed me for it for my residential status. Since all the calls are recorded this conversation should be investigated. Big banks are too powerful and they think they can get away with whatever they want. The information of the agent I was talking to is below. 



-- -- -- cut -- -- -- -- -- XXXX XXXX XXXX XXXX Consultant NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Ext : XXXX Fax ( XXXX ) XXXX XXXX -- -- -- end -- -- --

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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
XXXX- credit card payment agreement ended without our knowledge at comenity ideal. 
I had {$1900.00} left on my agreement and then was charge and extra of {$1800.00} making the totally be {$3700.00}. 

-never received a letter, a phone call, or anything in regards to this happening soon. Statements would not load or appear on mobile safari search as well. 

XX/XX/2020 ( XXXX XXXX ) - I noticed the issue and was unable to contact anyone due to the holiday. I tried making the payment of {$1900.00} to assure the 3 day grace period, which I was told was allowed prior to this. The process was successful according to their website, but I never receive a confirmation email. 

XX/XX/2020 ( Monday after the holiday weekend ) I tried again to make the payment and the same thing happened. The website said it was successful, but no confirmation. I called the company and got no where in 3 hour phone called and talking to 7 different people. To start, my name on the credit card account was incorrectly put in wrong on their end making it impossible to verify my account to them. Also, the phone number was totally incorrect on their end as well. One person said they could give me a {$50.00} credit, but that was it. They transferred me to someone else and they said their was nothing I can do and that I would have to pay the whole thing. I admit I should have been on top of my account, but also dont think I should have all that extra interest rate if we tried to contact them within the three day grace period that they offer. I was never late on a payment and I think its ridiculous that they wont credit some of the charge if not all of it. 

On XX/XX/2020, I posted a payment again and this time I receive a confirmation email but the payment never came out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have suffered from identity theft incident. The problem was found back in 2019, and I have been working with the credit reporting agencies to remove all accounts that were involved with the crime. I have submitted FTC identity theft report and police report to support my stand, but the TRANS UNION CREDIT REPORTING AGENCY is not removing one fraudulent account from XXXX XXXX. 
XXXX and XXXX found this account to be fraudulent, so they have removed and block the fraudulent account from XXXX XXXX. 
Unfortunately, Trans Union is ignoring my statement of me falling into identity theft crime and my supporting documents. 
Also, I have requested following documents from the creditors and the credit reporting agencies, and they have never provided me such documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account They are violating FCRA and FDCPA by reporting an account that was never properly validated and verified. I have not received any of documents that I have requested.

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 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I had a medical balance that was paid in full XX/XX/2020. RMP services opened a negative hit on my credit report for {$100.00} on XX/XX/2020 for debt to my doctors office. A balance I have no record of? I have reached out to my doctors office and no one has gotten back to me. I am very upset because I have excellent credit and we are looking to refinance and I now have this nose dive in my score for a debt I have no idea about. 

1. RMP Services has never mailed me anything, called me or tried to contact me in anyway to collect this, I only know about it because the mortgage company ran my credit! 

2. My doctors office has never called me about an outstanding balance! 

3. If I do owe {$100.00} for healthcare services ... how can healthcare debt of any sort go on my credit report? I believe that is unlawful. 

4. RMP Services is impossible to contact, they have terrible reviews they certainly do not seem like a quality ethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/XXXX I mobile deposited a check with Chime. After realizing a short while later I called Chime to cancel the transaction, which they offer as a service. After waiting on hold for nearly 2 hours a representative answers and I explain what Im looking to do. She advises I need to speak with a supervisor and transfers me. I wait on hold for another 45 minutes and finally get connected. I explain to the supervisor I want to cancel my mobile check deposit so I can take it to the issuing bank and cash it. The supervisor tells me no need to do that because all of my funds would be available that night between XXXX. After hearing that I decide not to cancel the check thinking I will have my funds when I wake up. Next day wake up and no funds. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was advised by every representative I spoke to that all of my funds would become available shortly after our call ended. On one of the calls the representative even said he was sending a note to the processing team to speed it up and assured me that within 30 minutes to 2 hours I would have all of my funds. Again here we are its the 5th and still no funds. Yesterday I called and asked to speak with the highest manager which I was connected to after 3 and a half hours of being on hold. He claimed he was opening a case to review all of the calls and would also try to speed up the process of releasing my funds. Told me to keep an eye on my emails because someone would be contacting me soon regarding the situation. Its now 24 hours later and I have no heard from anyone. Bottom line I was mislead and lied to on multiple occasions. My original plan to cancel the deposit so I could go to the issuing bank was changed due to a lie. Had I been informed of the actual process and timeframe it would take for this transaction to happen, I never would have just left the check in the bank. This was a check from my employer for emergency funds which I could of had almost a week ago now had I not been mislead and lied to repeatedly. This is the worst customer service Ive ever seen in my entire life. The check was for {$1200.00} of which {$200.00} was released the day after depositing. My account with them has monthly direct deposits of between {$15000.00} - {$20000.00}. Im finding it incredibly frustrating with that amount of money going into my account they can not release {$1000.00}. I would not be upset at this situation had I made the decision knowing it would take nearly 2 weeks to process. Again I was mislead and lied to by 3-4 representatives and 2 supervisors. Chime has the worst client service team Ive ever experienced and they clearly could not care less about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Avantus, LLC
State: IL

Complaint narrative:
Hello, This Company is reporting incorrect inaccuracies on my report! I have NEVER took a public report or judgement out! AVANTUS have not followed the FCRA GUIDELINES In properly deleting it! I do not have a public report nor judgement! They claim the information is validated by the credit Credit Bureaus but that is a not true because there is NO judgment or public report listed on experian, transunion, equifax. If this company is governed by the FCRA what are the method of verification used? Because it was told to me and the infomation listed is on their website they get/verify/validate with XXXX/XXXX/XXXX. None of the repositories listed have the information included on my personal report!! That information is NOT MINE AND unverified according to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I had applied for forbearance through my Amerihome morgage. After I was sent a letter saying it was approved. In these days, I got a letter saying it was cancelled because of me when I did not cancel it. It was for 3 months for the amount of about {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: FL

Complaint narrative:
Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2021-01-05 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have suffered from identity theft incident. The problem was found back in 2019, and I have been working with the credit reporting agencies to remove all accounts that were involved with the crime. I have submitted FTC identity theft report and police report to support my stand, but the XXXX XXXX XXXX XXXX XXXX is not removing one fraudulent account from Wells Fargo. 
XXXX and XXXX found this account to be fraudulent, so they have removed and block the fraudulent account from Wells Fargo. 
Unfortunately, XXXX XXXX is ignoring my statement of me falling into identity theft crime and my supporting documents. 
Also, I have requested following documents from the creditors and the credit reporting agencies, and they have never provided me such documents. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account They are violating FCRA and FDCPA by reporting an account that was never properly validated and verified. I have not received any of documents that I have requested.

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