vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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 filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have had a mortgage with Fifth Third bank since 2011. On XX/XX/XXXX, I refinanced with XXXX XXXX. Ohio had a three day cooking off period where I could change my mind so on XX/XX/XXXX, XXXX sent a payoff check to Fifth Third via XXXX. 

On XX/XX/XXXX, a XXXX XXXX at Fifth third signed the receipt from fedex for the check. 

On XX/XX/XXXX, I noticed that the payoff check had not been cashed by Fifth Third. I verified with XXXX that the check had been sent/received by Fifth Third and that it had not been cleared.

I immediately contacted fifth third to see the status of the check. I contacted them again on the XXXX and the XXXX ( all via their mobile chat ). I provided the name of the person who signed for the check al XXXX with the fedex tracking number. 

On the XXXX they said they had submitted a research request to find out about the check. They said they would get back to me in four business days. In the meantime, I went ahead and made my XXXX Mortgage payment to avoid any chance of a late fee. 

Four days later, I still had not heard from them. I contacted them again today ( XX/XX/XXXX ) to check on the status. They have provided zero update on the payoff check or any actions they are taking but said they have mailed me a letter asking for more information. There is no more information for me to provide and I am extremely concerned that they are holding my XXXX payment as well as charging me more interest. 

They have not given me any information on my check and are now saying I need to wait for some mysterious letter in the MAIL to give them more Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
I have submitted a number of letter disputes and i they have not fully complete my re-investigation i have unauthorize and fraudulent inquiries on my report still i would like to have these deleted and company has not respond to my reinvestigation i have submitted over 30 days ago. my name is XXXX XXXX i am sending this complaint on my behalf please do not allow company to use stall tactic like they have before

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Ford Motor Credit calls my home several times a day to collect a debt from someone who is not me and it not know to me. I have reported this to Ford Motor Credit and yet they continue to call my home several times a day. Since reporting the incorrect information, Ford Motor Credit has called my home 18 times. These calls disrupt my home office and are embarrassing during work meetings when the message is left out loud on my answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
I recently filed a complaint with CFPB against Celink reverse mortgage servicer ( see claim # XXXX XXXX. Celink recently mailed two insurance payment checks to me that I had been requesting for over 8 months. The payment was from two insurance claims that Celink did not cosign ( as they were supposed to do per XXXX XXXX XXXX ) and return to me ( for repairs on the house ). They just deposited the money in their account and kept it. After I filed a complaint with XXXX and CFPB, Celink mailed the two checks to me ( totaling almost {$14000.00} ... see original complaint ) and then responded to CFPB stating that they honored their commitment and they considered the case closed. However, as soon as they wrote to you, they stopped payment on my check. I deposited one of their checks for {$9600.00} on XXXX XXXX XXXX On XXXX XXXX XXXX  my bank notified me that the Celink check was returned unpaid, and now my bank has charged me a {$12.00} fee for the stopped payment check. In the meantime, Celink quickly sold my loan to another servicer, XXXX, effective XX/XX/. When I contacted Celink about the bad check their representative told me that Celink no longer has any responsibility with the loan and that I should contact XXXX for payment. When I contacted XXXX they said Celink is responsible for replacing the check ( and bank fee ) because Cellink kept my insurance claim money. Celink is in violation of California Penal Code 476a PC which forbids issuing a check intended to defraud - as Celink advised both the XXXX  and CFPB that they were issuing the check to settle my claim and then immediately stopped payment on the check. It is a felony if the check is over {$950.00}, which it is. Not only did Celink commit fraud with regard to the insurance payment, they lied about the false foreclosure they place on my property and still have not resolved that issue ( although Celink said they did ). Before Celink dumped my loan on a new servicer with thousands of money due to me, they suggested that I put everything I thought was an error in their CFPB response in a letter, with supporting documents, and mail it to a supervisor at an address they gave me. I did that and it was returned to me unopened ... Return to Sender, Forward Time Expired. I have never dealt with such a corrupt, dishonest company in my life. I want the money that they owe me and the illegal foreclosure removed. They have not resolved anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
CB/VICSCRT Account Number : XXXX {$340.00} Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, Experian, and XXXX. This is causing XXXX and XXXX harm to US becuase my wife had to give up her job to become a permanent, full time XXXX  for me because I developed a XXXX XXXX due to the COVID-19 pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. XXXX  XXXX MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless XXXX, XXXX makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. XXXX, XXXX falsely reported late payments for the XX/XX/XXXX mortgage payment XXXX XX/XX/XXXX fell on a XXXX XXXX. They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was dated prior to XX/XX/XXXX. It was not a late payment. XXXX. XXXX continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. My wife called XXXX XXXX on XX/XX/XXXX regarding this false reporting. The agent told her that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD HER TO CONTACT XXXX, XXXX IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. My wife wrote to XXXX, XXXX and demanded the corrections.

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 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently filed a report with XXXX  XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: LA

Complaint narrative:
New re-fi mortgage with United Wholesale Mortgage. First payment of {$1100.00} due XXXX. Scheduled payment through my banks bill pay. Payment was rejected by processor. Reentered the information and scheduled another payment. It too was rejected. Had XXXX draft both payments from my account to become current on the loan. They reported me to the credit bureau as being over 30 days late. You would think they would offer me some type of grace period before reporting me as late considering this is a new loan and there is obviously some issue with bill pay ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Several years ago I opened an account with Wells Fargo because it gave me access to my paycheck 2 days earlier. 
During that time my ex who was cheating on me was also using my card for everything under the sun except for any purchases that required a PIN number. I brought this up with the bank as soon as I learned of the fraud years after my account had been closed out. I let them know within the 60 days like required by law, and they've quoted me a time frame which they've already gone over. But they figure since they've given me some of my money back in provisional credit that I should be okay with it. I'm tired of getting condescending people on the phone when all I'm trying to do is properly recover the money that was used without my consent. Out of the XXXX and change they've given me {$4000.00} and change. I want the rest of my money right now!

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 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX is reporting a charge off account and payment history past the closed and paid in full date. 

XXXX XXXX Closed XX/XX/XXXX the balance is {$.00} however they are reporting that the account charged off in XXXX I attempted to contact the creditor but was told the information is correct. The account was closed with a zero balance in XXXX and could not have charged off in XXXX because there was no balance. Please assist me with reporting the account accurately.

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 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have no knowledge of the debt, all of a sudden. A judge orders a garnishment. The court has 1.wrong address, 2. Name, 3. Didn't bother to verify if the funds are disability. The judge didn't care that I'm recovering from XXXX, and continues to hold my funds eventhough, Bank of America, my employer, lied on the garnishment form. I now had to pay a court {$70.00} when I'm on 70 % of my XXXX income. I brought the judge proof, " no no '' can't be bothered. Another hearing so my money is gone. I can't get my meds, and lose my home. Thank you White Tank Justice court. I know my tax dollars are well spent!

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 2021-08-18 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: NC

Complaint narrative:
Hello, On XX/XX/XXXX, XX/XX/2021 and XX/XX/2021 I've mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response seeing the disputed items taken off my credit report. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report. I have sent documents through mail and attached to this complaint of proof that these accounts have been paid for and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Select Portfolio Servicing is handling my mortgage, The owner of my mortgage is XXXX XXXX XXXX, as Trustee on behalf of XXXX XXXX XXXX  XXXX XXXX XXXX. I'm so confused about the whole situation. I was offered a modification trial. XXXX  XXXX. And completed it. I didn't hear anything from SPS after the 3-month trial, I've been in constant contact and keep getting conflicting information from them. about what the mortgage payment and decision would be during.the trial period I paid $ XXXXNow things have escalated to a Loss Mitigation Program demanding {$1600.00} beginning XX/XX/XXXX until XX/XX/XXXX. SPS stated that I only qualify for a repayment plan, due to the delinquincy of my account, and that the owners of my mortgage XXXX XXXX XXXX XXXX, as Trustee, in Trust on behalf of XXXX XXXX XXXXe XXXX XXXX. Has not given SPS Contractual authority to modify my mortgage That I was under the impression of being in a trial modification earlier in this year.. My income was not required nor considered as a part of the evaluation. which is a first to me. According to SPS the market value of my house is {$59000.00}. At the present time, I'm underwater with a balance of over {$120000.00} I have statements showing payments due XX/XX/XXXX for $ XXXX {$820.00}, that's included in bringing the loan current. At that time SPS had me in a trial modification making a different payment amount. That I paid {$700.00} so how would those amounts even be included for repayment. Also, I have paid numerous principle and interest payments but my balance keeps increasing. I'm very confused I don't even know what kind of loan I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Have received roughly 6-7 intimidating collection letters threatening legal action have received 2 letters delivered via XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation