vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: NJ

Complaint narrative:
I have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with XXXX  and Experian, I was told that the information has been verified by a third party company called XXXX. 

I then contacted XXXX on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to XXXX  and Experian. on XX/XX/2021, XXXX sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my XXXX report. 

I contacted XXXX  and Experian on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
XXXX, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. Reporting that XXXX was able to verify this information with the courthouse, and that this record will remain on my credit report. 

Experian, closed this dispute on the Thursday, and XX/XX/2021. Experian also reported that XXXX was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my XXXX  and Experian report is not mine. The " third party '' that is selling this misinformation, ( XXXX ) is either continuing to sell this misinformation about me, or XXXX  and Experian are not truly " investigating '' the dispute I filed with them. Considering XXXX  was able to close this dispute within two days, over a weekend, tells me everything I need to know. Experian continue 's to say " The company that reported this information has certified to Experian that this information is accurate '', ( XXXX ). 

I expect to have this incorrect public record removed from my XXXX  and Experian credit report 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 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc.
State: VA

Complaint narrative:
I did receive medical care but I had XXXX because I was XXXX  and unable to work! This debt was incurred because the insurance coder at the medical facility entered in my insurance info incorrectly or failed to enter it in. I never received any bill or other communication from this facility so I thought the bill was paid by XXXX as it should have been. Now they have turned it over to collections when I was never even notified. I tried to contact the hospital to get them to run my insurance info but they wouldn't because this was in 2015. It is their employees fault and I am not responsible for this debt! I had no income due to high risk XXXX, I had my daughter XXXX weeks early and we both almost died. 

This is in collections, the only collection I have. 
Collection Agency : HEALTHCARE RECEIVABLES GROUP. 
Original Creditor Name : XXXX XXXX XXXX XXXX Amount {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: OH

Complaint narrative:
I tried to start driving for XXXX and XXXX. I told XXXX that whatever background check they have is old and inaccurate. XXXX did not let me sign up. XXXX uses the same company and the background is coming back with adverse info which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Ordered a service for a move in XXXX of 2020 which was incomplete. When I explained to the credit card company, they filed a " temporary reimbursement '' then confirmed the merchant shouldn't be allowed to rebill me as I'd provided sufficient evidence. I later received from the credit card company, documents I'd had never been provided by the merchant " XXXX XXXX XXXX XXXX XXXX MN '' claiming I signed additional documents approving an incomplete service. I clarified with the merchant whom didn't bother to come back to finish the service when called or lay down floor protectant ( leaving additional costs to me ) there were additional and inapplicable charges as well as missing items ( owner said, maybe it got lost on another shipment ) the company never fixed or replaced. They also didn't unbox and put everything away as agreed much like leaving with plenty of truck space and not returning to clear out the garage. 
Chase requested new documents every time and even after sending photographic evidence of the cleaners I needed to hire, the refusal of the business owner and corporate to provide insurance information to fix my damaged belongings, the empty promise the owner of the moving company " would fix it personally or deliver it himself '' and pay for the four trips back, they allowed the merchant to rebill. When I asked them why they would do such a thing Chase replied " we can't control the merchant ''. 
Ultimately I paid > {$5000.00} when I was informed the maximum cost by the personnel giving the quite would be {$3500.00} yet was charged for a partially empty truck bed and unloaded at the wrong address outside ( also charged for ) and never assisted to unpack and charged for as well. I asked Chase to contact their insurance company as I even filed a police report due to the movers stealing items and they still allowed the charges to remain. I requested my copies of the repeat filings they asked for from me and verbatim a staff member said " it's probably time to hire an attorney '' when accepting the moving company was allowed to submit forged documents and Chase accepted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WI

Complaint narrative:
Dear All, on XX/XX/XXXX I made a money transfer ( XXXXEuro ) using WISE app from my XXXX XXXX Account ( XXXX XXXX  ) to my US Bank Account ( XXXX XXXX  ). 
The transfer was an exact repetition of a previous money transfer made on XX/XX/XXXX, using same bank information. 
The money were debited from my XXXX XXXX  but never transferred to XXXX XXXX. 
I immediately started a communication with WISE to understand what happened but the only explanation I got refer to XXXX  and XXXX  XXXX  tools used to transfer the amount, so something that should be dealt from WISE and myself. 
In the meantime I activated the process with XXXX XXXX  in order to collect back the money but is not a 100 % sure procedure. 
Do you have any suggestion to get back the money? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
On XX/XX/2020 I sent a certified registered letter to my mortgage company requesting 180 days of forbearance and they completely ignored my request claiming they never received such a request which I know they did because I had the signed receipt from the postal service. I was waiting to hear from them for 2 months and they had my current email, home address in Hawaii and phone number but they chose to send late notices to the mortgaged home knowing I wasnt going to receive these notices. My daughter had just so happened to pick up the mail and thats when I was aware they had ignored my request for forbearance and were reporting to my credit agencies that I was 60 days late and then I get a call from the VA inquiring about my non payment and I immediately paid my loan up to date to avoid getting foreclosed on. When I contacted Shellpoint Mortgage to find out why they didnt contact me via email, phone or mail at my current address and why they had ruined my credit for not granting me the forbearance request they responded that they never received my request and when I asked them to reverse the 60 day late reports they refused. I then filed a complaint and sent the signed receipt from the registered, certified letter requesting forbearance and I am still waiting for them to correct this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Santander Consumer USA Issue : Santander has been reporting inaccuracies with regards to my Credit Report since XX/XX/XXXX. They have completed ( 2 ) unlawful repossessions which adversely affected my credit rating, and removed 141 points. In addition to this infraction, they have misreported late payments which again negatively affected my account spanning back to XXXX. I have repeatedly called and escalated this matter with little to no resolve. It took until XX/XX/XXXX for the repossessions to be removed from my credit file, only to not receive the points that were unlawfully taken. In addition to this, the company has been increasing my overall tradeline balance although sufficient payments were paid with no reasoning as to why. I have requested numerous audits to no avail. I was recently advised on XX/XX/XXXX that Santander was no longer reporting to my credit, citing that there was a " suppression '' due to an investigation. This again adversely affected my credit rating, causing it to go lower. They will not tell me who authorized the suppression of my account or how it can be resolved. In addition to this, I am not able to successfully audit my on files, as the company sporadically put DNC order on my account, restricting my access and not accurately reporting payments or attempted contacts made to resolve. I am in possession of numerous recorded calls where the company admits faults in all of these scenarios, as well as documented correspondence via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: WV

Complaint narrative:
Send money From XXXX XXXX XXXX {$150.00}. On XXXX XX/XX/XXXX ref number XXXX through the Remitly Transfer Coy But Money could not transfer to the Account after sending 6 days On my request they Canceled the transaction but show still, in progress After many conversations It's in progress and no action pls gave favor and approach to remitly for my refunds. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
I am filing a complaint against Equifax, XXXX  and XXXX XXXX as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had a 1st mortgage and equity line of credit thru FifthThird Bank. I paid these loans off via a wire on XX/XX/XXXX and XX/XX/2021. After numerous calls, emails, etc. to date I still have not received my escrow account refund of over {$3000.00} and an overpayment on the payoff of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
BSI has continued to hold on to my money and not allocate the money to my mortgage account in the amount of {$1200.00}. They charge me late fees repeatedly even with my paying more than is due. 

I have attached a copy of a screen shot of XXXX and paid more the required amount. 

I want my mortgage payment allocated and late fees reversed based on the attached screen shot of my mortgage account as well as the unallocated mortgage payment.

BSI continues to charge late charges on a payment that was made to them and they refuse to allocate the money. 

I want a RESEARCH analysis done and the XXXX payment applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
CREDIT ACCEPTANCE VALID TO GIVE ME INSTRUSCTION TO VALIDATE DEBT, DIDNT KNOW COMPANY WAS A DEBT COLLECTOR

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 2021-08-26 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
On XX/XX/21 I sent a a letter regarding inaccurate items on my credit report. Its been over 30 days later and I have not received a response. I have not given none of these companies/corporations permission to report anything on my credit report or privy to any of these filings. By law an investigation over 30 days gives a reason to immediately remove items. These accounts are affecting my credit report and costing me thousands of dollars in interest. I have filed a complaint with the XXXX XXXX XXXX and the federal trade commission. I feel like I'm being taking advantage of, and I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a new citi priority account in XXXX. Citibank offered a promotion of {$700.00} if the new account held funds over {$50000.00} for 60 days. I deposited the required money. I asked a citibank agent on their chat service whether the funds would qualify for the promotion in a citi accelerate savings account, as opposed to their standard savings account. The agent confirmed this. I have a documented record of this conversation. When the promotional deposit did not arrive as expected, I checked with two other citibank agents about the delay on two separate occasions. Both of these agents confirmed that I was eligible and that I should have received the bonus already. I have a documented record of these conversations as well. The second agent submitted a dispute in order to correct the mistake. After a week or so, I received an electronic letter from citibank stating that I was not in fact eligible for the promotion, due to the deposit moving from one savings account to another. I then called citibank 's customer service line in order to straighten out the problem. I explained to the agent on the phone that I had checked in advance and that I should have received the bonus. They also submitted a dispute explaining the chat history. I received the exact same denial letter a week later.

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
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lamont, Hanley & Associates, Inc.
State: PA

Complaint narrative:
I contacted Lamont , Hanley & associates about a letter i received stating i owe money- i asked them to explain to me and provide me with written documentation from company and they stated they didnt have to do that, i stated the debt isnt valid, i have emails from my company that submitted the paperwork to be answered. they threated that failure to pay today will result in adding negative to credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: NJ

Complaint narrative:
I have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with Equifax and XXXX, I was told that the information has been verified by a third party company called XXXX. 

I then contacted XXXX on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to Equifax and XXXX. on XX/XX/2021, XXXX sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my XXXX report. 

I contacted Equifax and XXXX  on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
Equifax, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. XXXX that XXXX was able to verify this information with the courthouse, and that this record will remain on my credit report. 

XXXX, closed this dispute on the Thursday, and XX/XX/2021. XXXX  also reported that XXXX was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my Equifax and XXXX  report is not mine. The " third party '' that is selling this misinformation, ( XXXX ) is either continuing to sell this misinformation about me, or Equifax and XXXX  are not truly " investigating '' the dispute I filed with them. Considering Equifax was able to close this dispute within XXXX days, over a weekend, tells me everything I need to know. XXXX  continue 's to say " The company that reported this information has certified to XXXX  that this information is accurate '', ( XXXX ). 

I expect to have this incorrect public record removed from my Equifax and XXXX  credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: LEXISNEXIS
State: NJ

Complaint narrative:
I have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with XXXX  and XXXX, I was told that the information has been verified by a third party company called LexisNexis. 

I then contacted LexisNexis on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to XXXX  and XXXX. on XX/XX/2021, LexisNexis sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my LexisNexis report. 

I contacted XXXX  and XXXX  on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
XXXX, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. Reporting that LexisNexis was able to verify this information with the courthouse, and that this record will remain on my credit report. 

XXXX, closed this dispute on the Thursday, and XX/XX/2021. XXXX  also reported that LexisNexis was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my XXXX and XXXX  report is not mine. The " third party '' that is selling this misinformation, ( LexisNexis ) is either continuing to sell this misinformation about me, or XXXX  and XXXX  are not truly " investigating '' the dispute I filed with them. Considering XXXX  was able to close this dispute within two days, over a weekend, tells me everything I need to know. XXXX  continue 's to say " The company that reported this information has certified to XXXX  that this information is accurate '', ( LexisNexis ). 

I expect to have this incorrect public record removed from my XXXX  and XXXX  credit report ASAP.

Company response to consumer: Closed with explanation