vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I went into the company 's website to pay my loans. I had 2 loans for 2 separate properties with them. The system let me make a payment for the property on XXXX XXXX XXXX. The system locked me out of making a payment for the property on XXXX XXXX XXXX. I called on XX/XX/XXXX to find out what had happened and was told that my loan was sold. I was also told that there was a 60 day transfer protection. On XX/XX/XXXX, when making payments on all of my monthly bills, I found out that it was actually the XXXX XXXX property that had the loan sold, not the XXXX property. Furthermore, I found that 1 day after making the payment against XXXX XXXX, the payment was not processed since the loan was sold. However, with the XXXX property, which I was locked out of making a payment against on XX/XX/XXXX, was now showing that I was 30+ days overdue on. After XXXX minutes of explaining this to an online " chat '' agent, I was finally given a customer service number to call, which was the very first thing I requested! As you can imagine, I was XXXX at this point! The first person I spoke to said that since it had been over 30 day since payment was due, it was now reported to the credit bureaus. In addition, it took a total of 3 people to talk to get my payments processed and my account caught up. The online website system wouldn't let me make the needed payments. In total, I have spend 3 plus hours today figuring out that their website originally had the wrong address as being sold and locked me out of making a payment against that account, but did let me make a payment against the property that had the mortgage sold, only to cancel that payment a day later. Now, my credit score, and therefore all access to loans, is going to take a hit with the result being a higher interest rate due to the error on Amerihome 's end! Not happy with this company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: SC

Complaint narrative:
I have submitted Certified mailing to Equifax on disputing a Bankruptcy, collections, and inquires, and closed accounts but. I disputed Bankruptcy with XXXX and they removed it from my credit report but Equifax stated that this has been verified but they have not shown me proof on how this was verified along with collections and inquiries. I am constantly getting the same message that these accounts have been verified with any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NJ

Complaint narrative:
I disputed a closed account with XXXX, Transunion and XXXX credit bureau. 

I also contacted the card company XXXX XXXX XXXX. They assured me it was a big mistake. 

XXXX was the only credit bureau who actually investigated and fixed the issue. 

Transunion and XXXX dispute results claimed the closed account was ACCURATE. I lost points on both my credit reports for the closure. According to Transunion and XXXX the last time I made a payment on the account is in XX/XX/XXXX. The account balance both Transunion and XXXX are posting is inaccurate. The balance they're reporting is {$180.00}. As of XX/XX/XXXX According to my card account online and Statement as of XX/XX/XXXX the account is OPEN. The balance is {$140.00}. I made payments on XX/XX/XXXX and also XX/XX/XXXX. 

I've also made a purchases on the card XX/XX/XXXX {$52.00}, and on XX/XX/XXXX around XXXX est. For {$10.00} so im not sure how the account is CLOSED. This is affecting my credit score and my credit worthiness. 

I don't believe Transunion and XXXX never contacted the card company when I put in the dispute they just went off what was reported in previous days on file. The dispute results came bk within 24hours ( which is quick for a proper investigation ) saying the information was ACCURATE which is a BOLD FACE LIE. I NEVER MISSED A PAYMENT. MY ADDRESS NEVER CHANGED.

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 2021-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The following accounts are being incorrectly reported to belonging to me. 

CB/VICSCRT {$220.00} Charge off XXXX {$500.00} Charge off Both accounts say they were opened in 2017 Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed and have reported the theft. These accounts are fraudulent and arethe result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Wilber and Associates, P.C.
State: MA

Complaint narrative:
Received a call from this company Wilber and Associates PC claiming I owed {$2900.00} in damages to another unit in my building when my condo flood in the bathroom. I paid the cleaning service that the XXXX XXXX approved. This company is claiming someone on the 1st floor, filed with them. The said unit is Nowhere near my side of the building. I Live on the 3nd floor. The unit right next to my bathroom Did not accrue any damages. This Bill is a Scam. They're e-mailing, calling me to collect on bogus debt. I have insurance, my XXXX XXXX would notify me, there was a problem.

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 2021-10-01 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: WI

Complaint narrative:
I have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Experian has yet to provide that proof of verification. After reviewing their website, it was found that a third party credit agency, XXXX XXXX at times furnishes information to the credit bureaus. After reading that I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/XXXX, XXXX Letters sent to Experian on XX/XX/2021, XX/XX/2021 and CFPB complaint sent on XX/XX/2021. Even after a compliaint was filed, it STILL did not receive any verification of this bankruptcy. How is this even possible that this continues to happen. It is now XX/XX/2021 and I STILL have NO PROOF OF VERIFICATION. This is beyond unacceptable at this point. Without verification this accounts need to be removed ASAP.

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 2021-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Student Debt Advisory Corp.
State: GA

Complaint narrative:
Hello, I believed I got scammed. I received a a phone call from National Advisory regarding forgiveness for student loans. I was rushed to sign documents, and provide credit card information and social which I unfortunately provided. 

I am needing help to cancel this third party.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I set of pay arrangement with the original debtor XXXX  XXXX. When my debt was sold to a collection agency midland that started harassing me on my job. I then attempted to dispute account it was removed and then placed back on my account a few months later. I do not owe anymore monies to this company and would like to see the original contract for proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: Porsche Financial Services, Inc.
State: TX

Complaint narrative:
I paid off my car lease with Porsche Financial services and closed my account. XXXX credit reporting agency is still reporting my account open with a balance. I have disputed this matter twice with XXXX and they keep reporting my report incorrectly. It should say closed with a XXXX balance. I have provided a letter from Porsche Financial confirming my closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accounts Receivable Inc.
State: WA

Complaint narrative:
On XX/XX/2021 I contacted ACCOUNTS RECEIVABLE Inc. And I spoke to XXXX XXXX , she was very professional but did not resolve my problem. This company is reporting me to credit bureaus that I owe them {$790.00} which I never had anything with this company or company they represent ( XXXX ) I informed XXXX that I was victim of a fraud and already emailed her police report and ID to prove my identity. 
I want ACCOUNTS RECEIVABLE to fix this issue ASAP, they ruined my credit score by almost 50 points with reporting something that is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I XXXX XXXX have disputed this inaccurate debt several times which clearly isnt mine. I have attached the original contract from the creditor in which is not legally signed by me. I have never authorized an account on my behalf via Vance and Huffman nor XXXX XXXX XXXX. This is not a Joint account its clearly signed and Dated by the Authorized person XXXX XXXX. Please remove this or please let me why this is attached to my report Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank refused to file a claim of fraud when I was mislead by a fraudulent lending company and was added money to my account by the fraudulent lending company by them accessing my account with my chase bank password. I was then told to purchase gift cards in order for them to resend the rest of the {$10000.00} loan in which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have no idea what happened besides being these collection companies and not just one or for the same amounts serveral are being reported as late and its referenced on my credit report. I have called a few asking for all the details information never received documentation. I have tried to dispute these collections inquiries on my credit reports with XXXX and now as of today XXXX then was able to file with you guys. These collections are not valid. Please help me get this resolved. 
Collection Agency COMMONWEALTH FINANCIAL SYSTEMS Original Creditor Name XXXX XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX Contact COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX OH XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$580.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: MI

Complaint narrative:
Reviewed credit report and AFNI is listed as a debt collector for XXXX. I havent had a XXXX account in 5 years and no funds are owed to them. I request that this be removed off my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I sent Experian a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX. I went directly to XXXX to dispute this item in question XXXX could not verify this item so they deleted it from their database. 

I then went back to XXXX on XX/XX/2021 and showed them the deleted bankruptcy from XXXX informing them that they could not reveal how they truly verified this item then it needs to be deleted according to FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc
State: WA

Complaint narrative:
On XX/XX/2021 I contacted XXXX  XXXX XXXX And I spoke to XXXX XXXX , she was very professional but did not resolve my problem. This company is reporting me to credit bureaus that I owe them {$790.00} which I never had anything with this company or company they represent ( FLEXSHOPPER ) I informed XXXX that I was victim of a fraud and already emailed her police report and ID to prove my identity. 
I want XXXX XXXX to fix this issue ASAP, they ruined my credit score by almost 50 points with reporting something that is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX. I went directly to XXXX to dispute this item in question XXXX could not verify this item so they deleted it from their database. 

I then went back to XXXX on XX/XX/2021 and showed them the deleted bankruptcy from XXXX informing them that they could not reveal how they truly verified this item then it needs to be deleted according to FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I ordered a laptop and shoes from XXXX XXXX they shipped separate. The product was cheap and not up to par. I returned everything and they kept trying to charge me for the shoes I called and told them I have returned everything why am I being charged and could not get a answer instead they closed my account with them and sent it to a debt collector. For XXXX for a 80 pair of Shoes that were returned. I cant seem to get anyone to solve this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Capital One on XX/XX/XXXX regarding a charge from XX/XX/XXXX on my card. The charge is from XXXX XXXX XXXX in XXXX Texas for {$90.00}. I did not make it charge and reported as such. capital one has now come back to me to say it was not fraud because they say my card was present at the transaction, I still asked for more information and they are unwilling to give it to me or give me a refund. I want to know the physical address where the purchase was made with an exact time of purchase. I do not see why capital one can not help me with this request but they refused - saying its not fraud because the card was present. I want a physical receipt with details. Did they even contact the merchant? Please help me get actual customer service. 
I live in California, not Texas, and did not leave my house that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
I deposited a check on XX/XX/XXXX in an ATM at US Bank in XXXX, Oregon for {$6000.00} and the amount was credited to my account incorrectly as {$5000.00}. 
I received a printed receipt form the ATM with a copy of the check and called the number on the back of my debt card while still at the ATM. I spoke with customer service and they were able to access my account view the check and verified it did not match the amount written. 
This check was from XXXX XXXX, I understand there would normally be a hold period to verify funds but not over 10 days. US Bank is not releasing the funds until XX/XX/XXXX. 
I have called 9 times, each conversation I am told to call another number or go through the branch where I opened the account. My account was opened XX/XX/XXXX in XXXX, Oregon I have never been back to that branch. 
Each time I called I explained I have a draft scheduled for XX/XX/XXXX that is for XXXX XXXX Mortgage for {$12000.00} and I expected my full account balance to be available. I called XXXX XXXX and the check processed XX/XX/XXXX. US Bank customer service told me " someone in the backroom placed a hold on your check beginning XX/XX/XXXX ''. 
I am so frustrated calling and being on hold so many times without anyone taking responsibility. I absolutely will close this account once the draft from XXXX XXXX is complete. I will probably be charged by XXXX XXXX and US Bank if they do not release the amount in my account. I very well should have completed this transaction through our credit union.

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