vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
Aqua Finance , Inc has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

I am submitting this complaint because I want to get a fair solution to this issue. They have committed multiple violations : post charge-off interest. 
Reporting late payments after closing date ( CCRA ). 
Misrepresentation of facts. 
Unconscionable interest charges. 
Account is falsely reporting as a collection instead of a charge-off. 
Negligence Unfair business practices I want to get the following account removed from my all 3 credit reports : Aqua Finance account. 
Date Opened : XX/XX/2018 Highest balance : {$8200.00}. 

I am willing to get to an amicable resolution. 

Please send the attached documents to the company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition, the company is reporting this account differently with all three credit bureaus, which I disputed, and the company verified. Different information with three different companies can not all be accurate, so it is very clear that the company verified inaccurate information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Credit Card Receivables Fund Incorporated
State: WA

Complaint narrative:
On XXXX XXXX, 2020, UNIFUND CCR LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA UNIFUND CCR LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX Ive sent disputes regarding unknown and inaccurate accounts but it's over 30 days today I haven't received a response. I was a victim of XXXX data breach. I demand to remove those accounts from my credit report or I will file litigation.

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 2020-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CMG Financial Services, Inc.
State: PA

Complaint narrative:
I was denied a credit increase of my XXXX XXXX account and denied a refinance based on an inaccurate 30 day late reporting by CMG mortgage for my XX/XX/2020 payment. I contacted the company on Monday, XX/XX/XXXX, and spoke with XXXX XXXX of the Customer interactions team and explained my situation. She advised she would create a work order for the Research department to update my credit report and email me a letter that my payment was NOT 30 days late XX/XX/2020 and that my loan is in good standing. She advised I would have that letter via email in 3 business days. 

I called CMG on Thursday, XX/XX/XXXX, and spoke with XXXX who is an escalation specialist. She advised the work order is in effect and would be completed by the close of business. She stated there was no email entered into the work order by the previous agent, asked for my email, and stated she was adding it to the work order. She further reiterated I would have the email I need by the close of business. 

Friday, XX/XX/XXXX, I never got the email. I called CMG and spoke to 3 agents and spent almost 2 hours on the phone. My last contact was with XXXX ( XXXX ) who was rude, incompetent, and told me she could only request a supervisor call me in 48 hours. 

I have made several attempts to rectify this issue. This company needs to be investigated. Not only have they incorrectly reported me to the credit bureau on several occasions they also kept me on the COVID forbearance 3 months AFTER I paid the account in full before the ending of the forbearance I requested. I continued to receive calls stating I was on forbearance 3 months after completing the forbearance period which was XXXX, XXXX, and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
On XX/XX/XXXX we began the process to update our bank account information as our bank account changed. On that day, the first attempt was made to update the information. After repeated trips to our new bank to get a letter written from the bank manager with all the information on the form because they would add another stipulation to be added and would never sent a complete list of what we needed. Finally on XX/XX/XXXX our bank account information was successfully added. The last deposit XXXX XXXX XXXX sent to our old bank was on XX/XX/XXXX and received on XX/XX/XXXX. On the XXXX of XXXX our old bank account was closed permanently. On XX/XX/XXXX {$990.00} was allegedly deposited to our old account. On the XXXX {$49.00}. On the XXXX {$380.00}. On the XXXX {$490.00}. On the XXXX {$110.00}. None of these amounts were received. On XX/XX/XXXX the amount of {$510.00} and on XX/XX/XXXX in the amount of {$1600.00} they deposited the funds to their account ending in*XXXX. I have made calls almost every single day asking where are funds are. I am never given a complete reason on why they will not release the funds, different representatives all say different additional excuses each time. Always say they will pay attention to the ticket request and return a call when something has been updated. We are going on 31 days of our funds being held. We are a small business and their credit merchant services is jeopardizing our operations. They can not and will not solve our issue in a timely manner.

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 2020-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
When Covid-19 hit I chose to do a Forbearance on my account. The forbearance ended and I began making payments to catch up, and I was told there was not credit report action being taken since I was in forbearance and making payments. On XX/XX/XXXX I called to make a payment of {$1800.00}, which I accidentally had come out of the wrong account, however I called on XX/XX/XXXX to fix it. I was reported as 60 days late on my credit report, which is incorrect based on what the agents have told me. The agents told me on XX/XX/XXXX that I was only 30 days behind and that {$1800.00} would catch me up to being current. I called today to find out why I am being reported to the credit report for being over 60 days late when that is not correct. No one has been able to explain this to me the same way twice, and I have been in a financial hardship with them which was supposed to suppress credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-11 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: FL

Complaint narrative:
On XX/XX/2020 Ive sent documentation about those accounts unknown and inaccurate on my credit report. Its over 30 Days today but I haven't received a response. I was a victim of Equifax Data Breach. I demand to remove those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Continue to appear after dispute in credit report XXXX  XXXX XXXX XXXX outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My most recent request to Equifax and the other bureaus on XX/XX/2020 is being ignored. I had specific questions about the accuracy of the items on my credit report and I am not getting an adequate response. I spoke with a representative at Equifax on XX/XX/2020 and they stated they received my letter but they want me to open a new dispute. I dont want to open a new dispute. I am asking for the specific questions I asked in my letter on XX/XX/2020 be investigated properly. This situation is causing me distress and affecting my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-11 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, PORTFOLIO RECOVERY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: MD

Complaint narrative:
I have spoken to the debt collection agency about this debt being paid off to the original debtor. I submitted documents stating I am no longer responsible for this debt. I also sent to the Equifax, and they said the dent is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This is a follow-up to complaint number XXXX. There is no additional option available to update the case from my end, which is why I am have to create a follow-up case. 

Problem description : Mr Cooper illegally added an escrow account to Loan # XXXX. As a result, the monthly payments changed from {$3300.00} to {$4800.00}. 

Update : Persuant to the letter from Mr XXXX XXXX dated XX/XX/XXXX, there has been a few updates to the case : 1. It looks like the escrow account has been updated. It no longer shows that I need to pay an amount of {$7900.00} - however, it still shows an amount of {$400.00}. That is still incorrect - it needs to be XXXX. ( see attachment Account snapshot XX/XX/XXXX.pdf ). 

2. The XXXX payment of {$3300.00} has not yet been applied. I have been making timely payments and not being applied to the mortgage balance will cause late payments and fees and adverse credit reporting, which are not acceptable. 

3. I have still not received an explanation as to WHY the escrow account was added. Specifically, I would like to know which section of CA Civil Code 2954 ( a ) caused this - a statement saying that the escrow account has/ will be removed is not sufficient. I am not aware of any of the conditions being triggered and if none of the conditions were triggered, then it is very clearly a violation of CA laws. ( see attachment Loan_Document_Escrow_Conditions.pdf ) 4. From my messenger conversation with Mr Cooper agent XXXX ( see document Messenger Conversation.pdf ), it appears that Mr Cooper has paid one installment of property taxes on XX/XX/XXXX. There are several problems with this claim : a. I can not see anywhere on my account where this transaction shows up. 
b. The county website shows that the first installment of property taxes were paid on XX/XX/XXXX ( see attached Property Tax History.pdf ). 
c. Given that I first raised this issue on XX/XX/XXXX and had informed that the property taxes had indeed been paid ( and reflected on county records ), why was this not checked? 
d. This was clearly done without my consent and without any justification. I do not know who the taxes have been remitted to, if at all - Mr Cooper should work directly with that authority/county to recover the money. I will NOT reimburse Mr Cooper any of the amount. Instead, I will pay the second installment directly to the county as per the loan terms. 

Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX agreed to deed back XXXX XXXX on XXXX # XXXX. The letter attached is proof of the agreement entered into with XXXX XXXX  XXXX XXXX. 

On XX/XX/XXXX, Vice President, XXXX XXXX emailed XXXX XXXX XXXX, in response to being in receipt of the paperwork. Mr. XXXX wrote in that email he " will forward to the clerk. '' The Deed in Lieu of Foreclosure was executed and the check disbursed from the account of XXXX XXXX XXXX XXXXXXXX XXXX was received and deposited in the account of XXXX XXXX XXXX, on behalf of agreeing to the Deed in Lieu of Foreclosure. 

Since the agreement was executed, the corporate officials of the Resort on XXXX XXXX has violated the Fair Credit Reporting Act, and reported false and inaccurate information to the bureau of TransUnion. Specifically, the deed in Lieu of Foreclosure is currently showing on my TransUnion Credit Report as a foreclosure. 

I, XXXX XXXX formally request that TransUnion Credit Bureau comply with 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had the misfortune of cashing a check for a fraudulent client on XX/XX/XXXX. That check was for {$190000.00}. From that check under the fraudulent client instructions, I was supposed to transfer {$99000.00} to a made-up vendor 's bank which was located in XXXX. On XX/XX/XXXX, I initiated the International Wire Transfer from my local Chase Bank. 

Originally I was told by the bank and I have a saved Receipt that the funds from the check would not be available until XX/XX/XXXX. However, Somehow someway they were able to initiate the Transfer on XX/XX/XXXX. 

On the morning of XX/XX/XXXX, I found out that the client who I believed was legitimate was in fact fraudulent, and had been running check fraud schemes since XXXX. At this point, I called the bank to alert them, and to cancel the wire transfer. Until that point, all of that money in my account was usable ( I'm assuming they might have cleared it, but I don't really know ). 

The bank rightfully removed the {$190000.00} from the bounced check. However, the issue now lies in the {$99000.00} international transfer that was initiated on XX/XX/XXXX. They said they were doing an investigation and simply couldn't reach the other bank, so I should reach out to them. I know from keeping in contact with the fraudulent client ( who doesn't know I've figured him out and reported him to the FBI ) that the funds never arrived. I currently have $ XXXX in my business bank account, because I was lucky enough to move the small amount of money I had in the account out of the account, but obviously, the negative balance impacts my business 's credit and I also believe interest on it continues to accrue. 

If I were to pay Chase the amount they are claiming I owe, they would be unjustly enriched by {$100000.00}. Not only do I believe that is a wrong and unfair business practice, but it also hurts me and my XXXX. My XXXX  is brand new. I started it in XXXX. There is no way I could pay for that. 

When I try calling my local branch, they ignore my phone calls. I tried using their " secure message center '' but they send me the same bogus message telling me they've received my message and that they will give me a call. They call me at random times throughout the day and never leave a call back number. For almost a month I've been trying to get in contact with a live person about this issue and all i get is automated messages telling me to message them or go to my branch. When I go to my branch they tell me there's no way they can get in contact with the transfer people. It's insane to me. As a person who's never seen {$100000.00} anywhere but the movies this is terrifying for me.

Company response to consumer: Closed with explanation