vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
This company is in violation of multiple FDCPA laws. I have sent a validation debt letter also a cease and desist letter to this company. This company is reporting inaccurate information on my credit report and is causing me distress. The information that they are reporting is inaccurate and unverifiable. This company can not report this inaccurate information on my credit file according to 15 USC 1692g As the original creditor, I only can validate this debt. I do not validate this debt. I demand this company to stop reporting inaccurate and unverifiable information/accounts immediately and to cease all forms of communication with me through any and all mediums.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Our loan was paid off but Loancare did not record the payoff. We are trying to refinance and can not until the paid off loan is recorded. We are at risk of losing our refinance rate lock. We have gotten a run around. Someone was supposed to get with us last week to resolve but never did.

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 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
We applied for a manufactured home loan in XX/XX/2021 with Wells Fargo. And many things went really bad. But we had to pay up front for an appraisal. And when I expressed my concerns that he was an individual and not a company and he did not like manufactured homes, they were suppose to switch us and after months, it was well if you don't want to use him, this may take a lot longer, by this point it was almost XXXX. Well needless to say he was awful and arrogant and of course low balled our appraisal. And Wells Fargo not only was allowing him to use old comparisons, but did nothing to stand up for there potential customer as they promised! And then went on saying we needed a structural engineer report. Well I ended the loan process there. I wasn't giving them another dime of my money. And I filed a complaint to get my money back. I called the complaint department several times and never recieved a call back. But I was sent a copy of the appraisal and a old loan estimate, showing the engineer survey added. They just did all this to cover themselves and say well we told you! You don't do deceptive things, then tell a person you feel everything was legitimate, and are not refunding there money nor give them call back. This is just some of the bad I experienced with them. I have since been using another lender and have a new appraisal that is WAY higher!! This is discrimination of a manufactured homeowner!! If your going to say you'll do loans on them, then have appraisers that are supportive and know that my homes not a piece of junk!!

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 2021-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Over the course of XXXX, Synchrony Bank refused to, reverse fees on late payments, offer forebearance to CoVid-related accounts that were 60 days past due, and closed accounts that were in good standing of over +2 years. 

I had at the end of XXXX 4 Synchrony Bank branded credit cards. 
1. XXXX XXXX XXXX 2. PC Richards store 3. XXXX XXXX XXXX XXXX 4. PEPboys Automotive During XXXX, Synchrony Bank canceled my XXXX card w/o notice. They then in XXXX, closed my PC Richards card with notice. Both cards were used in the past and were in good standing at their cancellation dates, with {$0.00} balances outstanding. 

In XX/XX/XXXX, my PEPBoys card was nearing its XX/XX/XXXX expiration date, when I attempted to use it for a repair, with available funds for credit purchases. The PEPboys was not allowed to used for the purchase, and another card was used instead. On XX/XX/XXXX, the new PEPBoys card wth XX/XX/XXXX expiration arrived. Upon activation I was told I could not activate, until I made a Video shoot with State ID in the filming. I refused and I am waiting for a letter to confirm my passcode for activation. 

Number 1 : My complaint of non-conforming to the CARES Act provisions of financial relief for consumers, if the institution accepts public monies, contained in the CARES Act. 

Number 2 : The lack of guidelines in its credit card agreement and its provisions of notification in case of termination, by BOTH parties and its procedures were not followed. 

Number 3 : The lack of up-to-date portals to allow access to accounts and the timely accounting of the individual accounts under its purvey to establish a credit card services corporation. 

A response is requested, at this time. 

XXXX XX/XX/XXXX 1.The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders. 

2. On XX/XX/XXXX, the House passed the Heroes Act ( H.R. 
6800 ) and on XX/XX/XXXX, the House passed an updated version of the bill ( H.R. 925 ). Among its many provisions, both versions would expand consumer rights to loan forbearance and other payment relief during the COVID-19 pandemic.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is still reporting this account inaccurately and fraudulently, I've tried to dispute this many times to no avail. They will update the account and then a few months later report the account past due months after it was closed. 

Credit Card, Late Payment XXXX XXXX  XXXX, this account was closed and paid in full & never late. Ive attached copies of my bank statements to prove that a payment in XXXX and XXXX was made to this company. Ive also attached many examples of other times they have fraudulently and inaccurately reported this account past due and late months after it was closed with a XXXX  balance. Ive attached the debt validation letter I sent them two months ago. Ive included two letters they sent me back regarding it stating that they would remove this account from all three credit reporting companies. Ive enclosed a copy of my last dispute. Im requesting again that this account be removed from my credit file as this company is notorious for reporting this account fraudulently and inaccurately. I've included bank statements for both XXXX and XXXX of 2020 to prove payments were sent to them. This company is reporting on my XXXX file that the account was Charged off. Transunion is reporting it 30 days late

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 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank illegally closed my account and seized funds in the amount of {$3700.00}. They claim they are holding the funds indefinitely, because there is some kind of an investigation. 

They have provided no proof of investigation, they have not called me to ask me any questions, they are fraudulently holding my funds. I have repeatedly contacted them to request return of my funds with interest, they have refused. 

There is no investigation into anything, they are breaking the law and stealing money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.

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 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lakeside Recovery Solutions
State: CA

Complaint narrative:
This man called my brother in another state, XXXX XXXX in Oregon, I am in California and have a current phone number in my credit. pretending to have an appointment with me in regards to a company that he didnt represent. This caused me undo hardship in having my personal issues divulge to my brothers judgment. 

This person than threaten legal action saying he was an attorney when I called to speak with him I arranged payment out of fear. He charged my account XX/XX/2021, and I still dont know really if Im liable for this amount, he did have my credit and information. I asked him to call me, several times after the first interaction, but could not. The amount taken wasnt agreed upon, I dont know if they are going to continue to harass me or my relations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have called and disputed these account called the department of education was told that I dont have an account everything is paid in full. I have two accounts are still showing on my credit file as in collections 120 days past due and its just not my account. The accounts that are on there are showing the same account numbers for both amounts are different no one can tell me where these accounts are and keep asking for paperwork nothing. 
Account # XXXX amount {$2600.00} Account # XXXX amount {$3400.00} I sent letter on XX/XX/2021 no response

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called and disputed these account called the department of education was told that I dont have an account everything is paid in full. I have two accounts are still showing on my credit file as in collections 120 days past due and its just not my account. The accounts that are on there are showing the same account numbers for both amounts are different no one can tell me where these accounts are and keep asking for paperwork nothing. 
Account # XXXX amount {$2600.00} Account # XXXX amount {$3400.00} I sent letter on XX/XX/2021 no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
A company by the name of XXXX XXXX XXXX  has been harassing the late XXXX XXXX XXXX and XXXX XXXX grand daughter and daughter and violating mortgage lending laws. 
They also shared the loan information with company by the name of PHH Mortgage in New Jersey. They are requesting a loan balance in some crazy amount and are not the party that is supposed to handling the reverse mortgage. The present amount is under a bank as we speak. And they are also engaging in housing discrimination and and slum lor behavior as the entity holding the address.We need the nonsense shut down now. Thanks so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Direct Recovery Services, LLC
State: AZ

Complaint narrative:
They havent tried contacting myself directly but have been calling friends who arent connected to me legally in any way. They have called multiple people which would require some serious information digging or online account stalking to get information from these acquaintances. They also said, it would behoove you to call before we take aggressive actions against you. 
I feel as that is some sort of threat against me. 
I dont even know what debt they are trying to refer to- I cant find their information on my credit report anywhere & the account number they gave results in an inaccessible account from the website of the company. 
Again, they have NEVER tried contacting me directly & the lengths theyve gone to reach out to these indirect acquaintances, along with the information they share ILLEGALLY makes me feel unsure about their integrity as a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
I have XXXX FS Card Services ( XXXX 's Jewelers ) card for approximately four years. During this time I have had a 98 % paid on time account. The account has been reporting in good standing. I have had a {$2200.00} credit line on this account. The highest balance that I have ever had on it was around {$790.00}. I currently owe. {$580.00}. I started noticing that my statements were showing me the {$2200.00} credit limit but with XXXX credit available. I called to inquire about this and THEY told me they would need to do a review. The next thing I know is that they are closing my account. I have been paying consistently with a XXXX percent on time ACCOUNT as I have said above. I received a letter dated approximately XX/XX/XXXX that my line of credit was being closed. I have other things past due but not their account. I am being punished for being on time with them simply because other things have fallen behind during this Covid Pandemic. I FEEL THIS IS ABSOLUTELY UNFAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have been violated by ALLY FINANCIAL and its agents. See documents attached.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hi experian has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have ten negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Since they bumbled my initial modification ( lost my paper or held my papework ) XX/XX/XXXX Mr Cooper has yet again used practices to confuse me and be malicious. They have purposely bogged this process down and have been waiting on documents that have been already submitted i asked for all documents associated with modification to be sent to me so i can forward the information to people that can help mr cooper sent me a letter stating they will send it no later than XX/XX/XXXX. Meanwhile i applied for the hemap loan and they told me on XX/XX/XXXX they sent notice to mr cooper. Mr cooper responded like they said .... ANOTHER KNOCK ON MY DOOR BY A MAN IN A RED XXXX who was upset that i wasn't home and wanted to know where i was and asked a bunch of question to my neighbors daughter who just so happened to be there cause he was looking in the window. What happened to just leaving it under the door like you guys have done twice before now we have interrogators. I would have been in a modification XX/XX/XXXX or janurary XXXX but they held my documents then ask me to submitt the same documents again through the same method that caused uncesserry hardship no so i filed and kept filing and they kept appling interest etc and now im waitign on this descion from the commonwealth and they are so eager to follow thier interpretation of the law they forget that im tryign to get assistance or that they havent given me any documents showing the paper trail

Company response to consumer: Closed with explanation