vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have an account with Chime Bank. An unauthorized transaction- a Pay Friends transaction - took place at XXXXXXXX XXXX on XX/XX/21. It says that an XXXX XXXX took {$210.00} and transferred it. I did not authorize it. I called Chime and theyre investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My husband and I use electronic banking to pay our mortgage payment to Mr. Cooper. We generally request the payment be issued from our bank during the first week of the month. XXXX XXXX, XXXX ( aka XXXX ), issues the payment electronically ( ACH ) to Mr. Cooper 's bank. XXXX XXXX  has confirmed that the payments go out and are received the next day. Mr. Cooper does not post the payment timely. 

As an example : This month XXXX issued the payment on XXXX, Mr. Cooper 's bank received it XX/XX/XXXX, as of today ( XX/XX/XXXX ) the payment is not posted. My husband called last week, and they could not explain it. He called again today, they could not explain it and was told the ONLY way to resolve it going forward was to allow them to automatically deduct the payment from the account. 

Another example : In XX/XX/XXXX, XXXX issued the payment on XXXX it was received by Mr. Cooper 's bank on XXXX but not posted until XX/XX/XXXX ... AFTER a late charge was applied. Mr. Cooper reversed the late charge but when my husband called couldn't explain what happened. They keep saying it takes 2-3 days to post payments. 

We are very concerned about 1 ) our credit rating based on the late payment 2 ) interest accruing due to lack of payment being applied and 3 ) Mr. Cooper earning interest and using our money for the 8-10 days when they have received it and not applied it to our loan. 

We do not want them to automatically deduct from our account the payment as they have proven untrustworthy ( although we have been forced to sign up for this ). At this point, we want an explanation for the delay in posting payments and confirmation that our future payment will be posted within 24 hours of receipt by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
I had a XXXX XXXX credit card during my marriage. I didn't know, until I left my husband, that he wasn't making payments on any of the debt that was in my name. I was contacted by Simms Associates that my card had gone to collections and set up a $ XXXXmonth payment plan with them in XX/XX/XXXX. My divorce was finalized in XXXX of XXXX and I settled with them and paid my agreed upon debt settlement on XX/XX/XXXX. 
On XX/XX/XXXX, I began being contacted by XXXX XXXX XXXX. They were trying to collect the same debt. I contested this and explained I'd paid it. They did an " investigation, '' only to come back saying that I'd never paid off the account. 
I've been calling and emailing Simms Associates since then and have not gotten any response. 
In addition to being hounded for payment by XXXX, this is negatively impacting my credit score. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
All the sudden a collection account appeared on my report on XX/XX/2021, I called them and they said it was sent to them from XXXX XXXX  in XXXX which I dont live there, I told the company its against the law to placed collection on credit report before giving me the chance to validate the account, they didnt care they said they have notice sent to address where I dont live. 

Account # 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 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Action Collection Agencies, Inc.
State: NC

Complaint narrative:
Company has left voicemails stating this is a message from a debt collector without being able to verify who they are speaking to or where the message is being left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a BBVA XXXX Credit  Card. The card was blocked by their fraud enterprise department on XX/XX/2021. I called in resolve the block on XX/XX/2021 and submitted the requested ID to unblock the card. After the initial stated 48 hours, the card was not unblocked on XX/XX/2021. I called back again to ask about the status and was told to wait another 48 hours. On XX/XX/2021, the card is still blocked and unusable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
My card was used without my permission, consent, or authorization to make purchases and transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX still reporting wrong address

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 2021-01-14 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Home Depot credit card during my marriage. I didn't know, until I left my husband, that he wasn't making payments on any of the debt that was in my name. I was contacted by XXXX XXXX  that my card had gone to collections and set up a $ XXXXmonth payment plan with them in XX/XX/XXXX. My divorce was finalized in XXXX of XXXX and I settled with them and paid my agreed upon debt settlement on XX/XX/XXXX. 
On XX/XX/XXXX, I began being contacted by XXXX XXXX XXXX. They were trying to collect the same debt. I contested this and explained I'd paid it. They did an " investigation, '' only to come back saying that I'd never paid off the account. 
I've been calling and emailing XXXX XXXX since then and have not gotten any response. 
In addition to being hounded for payment by XXXX, this is negatively impacting my credit score. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
Our complaint has to do with the deferred balance on our mortgage of {$140000.00}. Because of the deferred balance, we have no equity in our home and would not be able to refinance to a lower interest rate mortgage. We have submitted a request for information to Rushmore Home Loans and they keep saying it will take some time to send this information, It has been over 3 months. 

This deferred balance was carried over from the previous servicer that held our mortgage. Several years ago, we could no longer afford our mortgage payment because due to the flexible interest rate, the monthly payments to an amount that we could not afford. After meeting with HUD counselors and other counselors and not being able to secure a fixed rate permanent modification to our mortgage with XXXX, to let our home foreclose. It never did. 

A couple years later, XXXX XXXX Loans bought our mortgage and we worked with them and they were able to offer us a permanent fixed rate mortgage. When we signed the papers for the fixed rate modification, we disputed a portion of the deferred balance. This is because a good portion of it was for interest that was incurred at the higher interest rate and had they foreclosed on us, we wouldn't have paid anyway and they would not have received that interest. We did not want to loose our home and we were happy that we were finally able to afford our mortgage payment. We have continually paid on our mortgage every month for several years now. With our busy lives, we had put this matter aside. Realizing that we are getting closer to retirement, we decided we needed to reach out to Rushmore Home loans, the current loan servicer. We requested how we can make payments on the deferred balance as well as a breakdown of what is included in the deferred balance. I have submitted multiple requests and they keep telling me that it will take some time. It has been over 3 months.

1. Deferred balance - We need to know details and also would like it reduced.

2. We need Rushmore to work with us so we can pay toward this deferred balance so we do not have to have a balloon payment at the end of the mortgage. We are 10 and 11 years away from retirement and do not want to loose our home. 

Thank you, XXXX XXXX. & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX still reporting wrong address

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 2021-01-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX still reporting wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me s letter, stating that they received the information from the United States Bankruptcy Court, District of XXXX, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.

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 2021-01-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me s letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I began receiving phone calls from Credence Resource Management. I do not answer calls from unknown sources. The phone showed " Credence Rsrc '' which I assumed was a polling call due to the XX/XX/XXXX GA runoff election. I ignored them until after the runoff. When I answered the first call, someone quickly mumbled something and then asked if I ever lived at an address in XXXX, TN. I replied no. They then asked for the last 4 digits of my SSN. I refused and hung up. On XX/XX/XXXX, Credence filed a Major Derogatory status to my credit. Both XXXX and XXXX alerted me. On that same day, I filed a Dispute Claim with XXXX and filed a fraud claim with all 3 credit bureaus. I also filed a Resolution Ticket with XXXX XXXX. 
On XX/XX/XXXX, Credence called me again and I answered. This time the agent clearly identified himself and asked the same question about ever living in XXXX, TN. When I replied no, he asked for the last 4 digits of my SSN. I again refused and I argued with him about having the wrong person and to remove the Major Derogatory claim on my credit. He transferred me to a supervisor who again asked for the last 4 of my SSN. I refused the request. I repeated that I was not the person who incurred the debt and to remove the claim on my credit. He advised me to email them. 
I engaged the services of an Attorney and she advised me that Credence should have sent me a notice of the debt. I received no such notice. My Attorney advised that I should file a claim against them with the CFPB. I am sending Credence a certified letter on XX/XX/XXXX requesting them to remove the Major Derogatory claim on my credit and immediately stop contacting me. 
The debit is for {$89.00} from XXXX XXXX XXXX XXXX. I have never done business with XXXX. I have never lived in XXXX, TN. I did not incur this debt and will not pay it. I believe Credence did not perform due diligence to issue a notification, as required by law. I also believe they made minimal or no effort to find the correct person for the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 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: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2020 Jefferson Capital Systems add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it belongs to me. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Paramount recovery Systems I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed some discrepancies. I immediately contacted the companies involved. On XX/XX/2021 I requested validation of the debt letter. This item showed up on my credit report and does not belong to me. I am disputing with your company & credit bureau. I asked them to either fully provide proof of and validate the debt or remove it from my credit file. My information was compromised and there are inaccurate accounts on my credit file.

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