vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
I am on a loan forbearance until XX/XX/XXXX. I applied for Loan modification on XXXX. I never missed a payment until XX/XX/XXXX. I went on forbearance in XX/XX/XXXX as I had a job loss. 
I have sent document after document to this financial company. I have never talked directly to my appointed loan representative. I can not afford the {$11000.00} to bring my loan up to date. I want to keep my home and begin making lower payments but I can not talk to anyone at my bank about this. 
I have had my home remodeled and it is worth significantly more than I paid for it or what I owe on the home. 
I had to file for bankruptcy and was waiting on an reaffirmation agreement from this bank. My bankruptcy was dismissed in XXXX of XXXX. I never received that agreement. I want to keep my home.

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 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: OR

Complaint narrative:
Kraken takes a deposit and refuses to release it unless you pay them more. They will not refund it to the original source either. When contacted they were less than cooperative and are holding my money ransom. They want to collect more transaction fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-06 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: Midwestern Health Management INC
State: IA

Complaint narrative:
I paid the account, in full, to Nothwest Financial for {$300.00}, on XX/XX/21. It still shows on my Credit Report as an open collection account. I have disputed this issue with XXXX XXXX and they say it is verified as accurate. I have the confirmation number, XXXX, showing that this was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: PA

Complaint narrative:
Inquiry was made without my consent

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 2021-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
This complaint has to do with Hyundai Moor Finance I was sure to obtain correct lease buy-out quote, mailing address and properly filled out odometer statement. It was sent via certified mail on XX/XX/XXXX. 

Money was then withdrawn from my account on XX/XX/XXXX and odometer statement appeared to be in the completed stage under my account. 

When I reached out to customer service numerous times, I was always told that odometer statement was not attached to my account and theres a need to send another one. Which I did via direct email, secure email and fax on multiple occasions just to be told, another copy is needed and this is causing a delay. Its very frustrating dealing with customer service who are clearly not tracking previous customer communication and provide different reasons each time I call. It also doesnt help that each time we speak a period of 5-10 days is needed for my records to be updated. 

I was finally reassured that odometer statement is on file and no further documentation is required a full month later. However, when I reach out to see if title is in the mail I am being told that no progress has been made as its in the hands of titles department. I understand normal processing time is allowed but I should at least have an idea of when I can expect it. Customer service has no information to help and was told theres nothing they can do. 

This is beyond unreasonable. I paid for the car. There was no issue taking money from my bank account. This title belongs to me and you have no legal right to hold it XXXX or provide basic customer service to a client. 

for reference HMF 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 2021-07-06 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XX/XX/2021 i had a Hard inquiry on my credit report from Barclays Delaware i would like to have it removed an have the address of where the application was made or where the card was being mailed to so i can have a clue of who has my information.

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 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On or about 4 months ago my navy federal account was closed for no apparent reason. When I called to ask what happen they wouldn't give me any information as to why my account was closed. Mine you I never used the account I just made my initial deposit and let it. Now my accounts closed an I don't know where my deposit went. Navy federal still send me a statement which make zero sense and won't let me access my account. As the consumer I demand answers and my account and deposit be reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am unable to open an account using the Bank of America in XXXX, Arizona due to the following : of unable to identify social security number, and the person using my social security number. Someone is already has a existing account with the same exact social security number.

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 2021-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial
State: TX

Complaint narrative:
I received 22 phone calls in one hour from this debt collector. I told them it wasn't mine. they were insistent that it was. I don't need to have a debt collector calling me 22 times an hour for something that is not mine.

I have attached proof of calls.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I sent a debt verification letter to the company to verify this debt. I have not heard back from the company verifying the debt. I do not think this is accurate and is being falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I had an account with Chime They asked me to provide proof of several things and I did then stated they decided to close my account and wouldn't give me a refund! How can they justify just keeping someones money? {$8100.00} remains in this account. I have been going back and forth with Chime/XXXX  via email since they closed my account XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
1. There is no FCRA date, DOFD date ( reported by CO ) 2. As a result - there is no " On Record Until '' date 3. There is no CLS - Closed date 4. As a result - the account is still active - open, and not accurately

5. The status code - appears incorrect. 
6. Paid, Closed. {$290.00} written off is what you reported - merging 2 status codes from Metro2 file specs 7. It should reflect code 64 ( account status code - Metro2 - ), account paid in full was a Charge - off, and as the final status of this account 8. After the amount was charged off - and after payment from me to bring the amount to XXXX - it was no Longer, written off as you collected the amount due 9. The Payment history is incomplete 10. The Final Payment made - to get to a PAID - after charge off status was never reported, even when CO updated the status of this tradeline in XXXX ( Date Reported ) 11. Last Payment amount is Blank - Pay History/Balance History 12. Last Payment Date is not reported - Pay History/Balance History 13. Balance - is blank 14. Balance Updated - is blank What does " payment after charge off/collection '' mean? FCRA/Metro2 Credit Listing Violations are causing me to get rejected by other credit grantors.

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 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: PA

Complaint narrative:
I filed a dispute and account was removed because of investigation company replaced back on XXXX XXXX file after information was confirmed due to covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: AL

Complaint narrative:
I did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. Provide detailed proof this is my account. I want to see original contracts full statements and all records identifying this account is mine. Any signature must match the one on my drivers license. I am a victim of fraud and this is one of the accounts. Please provide me with all requested documents or block and delete this account from my credit report.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent letters to XXXX, Equifax, and XXXX on XX/XX/2021 with no response from any of the credit bureaus against my request to remove all addresses and incorrect personal information that does not belong to me on my credit report. 

XXXX Incorrect Names - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax Incorrect Names : XXXXXXXX XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: WI

Complaint narrative:
I have been trying to resolve errors on my report since XX/XX/2021. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status The CRA states verified yet has not sent me proof. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. 

I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Back in XXXX we went to court and a judgement was placed upon us for approximately {$2300.00}, by an apartment complex. They kept our deposits, and then we never heard from them. I reached out to the credit bureau, and filed a dispute, because we were wanting to move, and this was on our credit reports, holding us back. The amount was much higher than the judgement : about {$6700.00}. I don't believe we owe that much. When I disputed it, they changed the balance to the {$5000.00} range. I had the remarks about the dispute removed from the credit report, because we were trying to purchase a home, but they put it back on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schrier, Tolin and Wagman, LLC
State: MD

Complaint narrative:
Schrier Tolin & Wagman clients are reporting inaccurate information about me on my credit report i have requested validation and they sent me copies off a loan application with different account # s as to what being reported different loan amount different loan type every piece of validation supplied was incorrect and invalid

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 2021-07-06 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: U.S. BANCORP
State: VA

Complaint narrative:
This account has been paid in full and not in a derogatory status. XXXX Has not made an update to the account since XXXX. XXXX  has not updated this account since XXXX. Both credit reporting agencies are reporting different last payment dates for this account. As well as the date that this account was opened is reporting differently on Both credit reports. All Three credit reporting agencies all have different Information that does not accurately report this account.

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 2021-07-06 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: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and 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 in completely accurate and correct. The following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX The listed items is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I reached out to the collection Comapny several times and explained that the amount reported was incorrect. I even requested a debt verification letter which I never received. I explain to them that I have proof that I only owe XXXX and XXXX dollars which they refuse to accept as proof. They have reported 16 times the amount owed ( XXXX ) which had damaged my credit and ability to get credit. These tactics are unfair and unethical and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have cleared/paid off a collection account with Cavalry SPV I, LLC ( a debt collection agency ) for a credit card account originally with XXXX. This payment became official on XX/XX/2021. 

I have been told by Cavalry SPV I, LLC that this collection account is eligible to be removed from my credit reports with XXXX, XXXX  and XXXX. I would like that done immediately since the debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: VA

Complaint narrative:
This bankruptcy should not be on my credit report. According to 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. I have attached my FTC report that was sent on XX/XX/21 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to report the bankruptcy on my credit report!

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 2021-07-06 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: VA

Complaint narrative:
This bankruptcy should not be on my credit report. According to 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. I have attached my FTC report that was sent on XX/XX/21 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to report the bankruptcy on my credit report!

Company response to consumer: Closed with explanation