vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MO

Complaint narrative:
My father in law had a mortgage at TMS ( The Money Source ). He died in XXXX of XXXX of XXXX I am the legal Administrator of his Estate. On XX/XX/XXXX I sold his house and the mortgage was paid off in full. There was approx. {$3200.00} in an escrow that TMS was/is holding and they will not return the money. I have called over and over and they will not speak to me stating I am not the borrower ( he is dead and they know it as I have submitted both his Death Certificate and my legal court approved Letter of Administration to them multiple times ). Yet every single time I call they will not talk to me. I was directed to a customer care email which had not yet returned my email to them. After having the family 's money for almost 3 months they will not even talk to anyone about this matter. I am a banker for over 30+ years and know this is illegal and quite frankly immoral to hold funds from a family after losing their father to XXXX  . I want this escrow refunded as they would any other paid off mortgage to the Estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I had an appointment at XXXX XXXX. At the time the insurance payment was adjusted. The original charges were XXXX $ and with the adjustment insurance paid XXXX . I C Systems claims this is my debt and that it should be paid.

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 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by SOUTHWEST CREDIT SYSTEMS , L.P . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I want to give SOUTHWEST CREDIT SYSTEMS , L.P . The chance to solve this matter before any legal action is taken. 

Account information : Below is the account involved : SOUTHWEST CREDIT SYSTEMS Account Number : XXXX Open dated : XXXX. 
Account Type : Collection. 
Balance : {$50.00}. 

Demand and remedy : Deletion of account from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: MS

Complaint narrative:
I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with XXXX TransUnion, and XXXX on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.

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 2021-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX I tried to obtain a loan to purchase land, at that time i found out that Kohls showed a closed account for the amount of {$2700.00}. Also noticed a few other discrepancies so i contacted the credits bureaus to get those resolves, wrong names, wrong social was attached, wrong address, a few other listings that were incorrect that were resolved amiable once the credit bureaus or myself reached out after the dispute. Prior to the checking of my credit report in XX/XX/XXXX I had no prior knowledge of said debt to Kohls, I did have an account many years ago but I closed it and paid off the balance which was never much a couple XXXX ( XX/XX/XXXX ). After trying to dispute with the credit bureau my lender told me to contact Kohls to see what could be done, On XX/XX/XXXX I called, the gentlemen was not pleasant and asked why dont you pay your bills Advised this wasnt my debt and I requested that Kohl verify this was in fact my debt. He advised records couldnt be pulled over 10 mths they purge them, he offered me a deal of half of the {$2700.00} to resolve. I told him I couldnt justify paying that much for a debt that wasnt mine, he said nothing more he could do. I called my lender ( trying to make a land purchase ) they advised trying to settle I couldnt get the loan without it, as a dispute could take months. I called back on XX/XX/XXXX to try and settle, explained the situation and offered to pay {$600.00} of a debt that was not mine to resolve, he laughed and said had to be {$1300.00} since the account was closed. Asked to speak to a manager which he told me couldnt be dont do to Covid he would have to get one to call me within 48 hours and offered to send a letter of the debt. I sent a letter with no response. I called XXXX and begged for help, they told me to contact you CFPB for help. I lost my loan because a Kohls said I owed them money with no proof none Ive always paid my bills, if I owe money to someone I pay it I still do this day do not understand why the loan was denied for this one glitch but apparently it sticks out like a sore thumb. Until XXXX Kohls has not contacted me regarding an outstanding balance and I dont understand how they can justify thousands of dollars being owed with no proof, no contact but they can ruin everything I worked for. It seems to me not to be right. Can you please help me or point me in the right direction?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On approximately XX/XX/2021, Capital One ( Cap1 ) elected to close my 3 credit card accounts. This is entirely within their rights and I do not dispute the closures. 

At the time of closure, I had an accumulated rewards balance of {$3600.00} across the 3 accounts. Cap1 restricted my access to the rewards and prevented me from redeeming them. After attempting to contact them to no avail, I decide to wait and see how they would go about addressing this, in hope they would eventually send me a check for the full sum of the rewards. It is now over 90 days since the accounts were closed and Ive received payment for 1 ( of 3 ) account at 50 % of their rewards value. 

Cap1 is very clear in their promotional materials, communication, web sites, etc. that the value of the rewards points is $ XXXXpoint and yet theyve not decided that for what I assume is some punitive reason, the rewards owed me are only worth half that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Avant Holding Company, Inc.
State: ID

Complaint narrative:
I was approved for a loan with Avant in XXXX. This loan was settled as of XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that I had a late payment. I emailed their support team via a support email provided on their website with no response. On XX/XX/XXXX, I received an alert that I had a balance of {$7000.00}. I checked online with my Avant account and it showed a {$0.00} balance and that the loan was settled. I called and was hung up on three times before finally getting through to someone who transferred me to a " payment specialist ''. XXXX verified that I did have a {$0.00} balance and told me to email their resolutions department and attach any details. I sent my XXXX credit report and screen shots of my account showing {$0.00}. I can not get through nor get a reply. They violate the FCRA by 1. ) reporting 4 years after the account is settled, 2. ) reporting the account as " charged off '' rather than " settled '', and 3. ) reporting that a balance is owed when my account clearly shows a {$0.00} balance. I have disputed this to all three credit bureaus, filed a complaint with the XXXX and am now publishing a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TN

Complaint narrative:
I submitted a dispute back in may of this year. My US BKPT CT TN XXXXXXXX was removed on XX/XX/XXXX and it showed back on on today as well as my XXXX XXXX XXXX account was removed as well and now is back on months later. I have been having this issue for months now, the credit companies have been going back and forward with me on removing and putting accounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: OH

Complaint narrative:
On XX/XX/2021 I went to Home Depot website inquiring about business credit. During the application process instead of putting my social security number I put my business EIN because it was supposed to be for business credit not personal credit and I submitted the application it gave a pop up page saying to further my application I need to call. I called and spoke to a lady and explained to her that I was trying to apply for business credit so I didnt disclose my social security number but I put my business EIN number and she explained for that specific card they would need my social security number so I asked her if its gon na be a hard inquiry on my credit report and she said yes and I told her no I didnt want to do that and she recommended I go back to the website and apply for the other business credit card because I could use my business EIN for that one so I did and it gave me the same pop up and I called and spoke to a different lady and she explained they would need my social security number and I told her no thank you because I didnt want this going on my credit report. I made everything clear as to not go with the application if it was going to go on my credit report as a hard inquiry. I never gave them my social security number and I have been trying to get both inquiries removed since then. Nothing is helping and its frustrating because this shouldnt have happened. Im sure our conversations were recorded.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lake City Credit
State: TX

Complaint narrative:
XXXX AKA Lake City Credit has received the complaints I have made to the CFPB. The complaints were to stop harassing me in regards to a Identity Theft /FRAUDULENT / FORGED account. This company has received all the appropriate documentation required by law. The credit bureaus have provided police report, affidavit, signed and notarized. The FTC Identity theft form and several complaints requesting them to CEASE PHONE CALLS & CORRESPONDENCE VIA MAILING. This is not a debt to attempt to collect on. This is a FRAUDULENT ACCOUNT. THIS IS A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was on vacation in XXXX and lost my debit card. Someone subsequently took the card and spent {$6500.00} in less than 15hrs. I reported it and disputed the illegitimate transactions the following morning. They reversed the charges pending investigation. Then a week later they decided that the illegitimate transactions were authorized and reversed this decision and removed {$6500.00} from my account. I have appealed and escalated with supervisors at least six times. At certain points they were making up transactions. The last denial was based on a legitimate charge that I did not dispute which I stated was legitimate from the first day. The last conversation I had I submitted documentation for the legitimacy of the charge I was not disputing and they continue to deny the claim. I have been assured with each conversation with supervisors that this would be resolved. I can produce eyewitness accounts proving there's no way I could have made these transactions and was in a hotel in XXXX while these illegitimate transactions were taking place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC
State: SC

Complaint narrative:
On XX/XX/2021 I XXXX XXXX the natural person received a letter from Credit Control LLC stating that I pay debt. I do not owe any debt to Credit Control or did I do any business with them for them to have my information and I am furious that they inconvenience me by calling and me and asking for money and send me letters demanding money. This a violation of my consumer rights and according to 15 USC 1692k the are criminally liable for {$1000.00} for each violation they've violated under the FDCPA.

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 2021-07-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union, XXXX, and XXXX have $ XXXX Government Student Loan Reporting on my credit report which is not true and misrepresentation of Federal Truth In Billing Act and FTC law. Proof attached for wrongful recording on my credit report attached. All my government student loan current.

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 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
My information was involved in identity theft years ago, btw XXXX and beyond where my name was used to open different accounts and even obtain credit cards, and went on shopping to different departmental stores and other vendors. some of them that show up earlier on has been removed from my credit report, but lately I found out that portfolio recovery services has send my information to court and judgement obtained seeking to recover a sum of {$2900.00} plus interest. I have informed them that this is fraud and should have not gone to the court to begin with. They claimed that they were awarded that judgement against me b/c of failure to appear. I informed them that it was not my account. I asked them What was purchase and they said it looks like laptop or desk top computer, and that they don't have much details since it has been old and from an online bank. 

Right now I have contacted the court to look into the matter but was also informed to report the fraud with this platform. I need the judgement dismissed immediately, and my name cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA has breach terms and conditions of numbered policy # XXXX and in accordance with law has committed fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
We have been making two payments monthly each {$860.00}.

The new servicer Fay Servicing would not until XXXX, finally apply the payments. The mortgage statements were wrong and showed unapplied. We have made numerous calls and emails and receive no help. The address and phone numbers are not able to be changed. The site when calling into hangs up on you. Now they are trying to foreclose on us. We need the account serviced, issues addressed and since they just corrected their mess in XXXX, we need time now that there is a shortage. 
They are irresponsible and I did get a response when I complained to the XXXX on XX/XX/2021. about their missing a payment from the prior mortgage co.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
so i sent a couple of letters to the bureaus, and i have not herd anything back, this was 60 days ago and to my understanding i should have heard something from someone, no one has called me but i have called them but i cant get on the phone with a live person, there is something wrong with that because it is hindering me from getting credit because every time they pull up my report they can see whats on there, it is a bankruptcy that should not be on my credit report, i spoke to the court about this matter and they said they do not report to the bureaus please remove it from my credit report. either respond or delete whats on there off. my list of things on my credit report will be posted below. 

XXXX 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Voluntary XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXX filed Case Number : XXXX This account is inaccurate. Please delete at once. 

Transunion. 
1. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy filing Case Number : XXXX This account is inaccurate. Please delete at once.

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