vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed a complained here couple months back about XXXX XXXX on behalf of Synchrony on accounts closed since 2019 and XXXX harassing my child and as of today XXXX is harassing me again with claims of financial fraud. As a result of my last complaint Synchrony wrote a letter that details all my activities with them and that states XXXX Should have never keep trying to collect on Accounts closed in 2019 and that Synchrony will send them that letter so they can fix and stop their illegal collection. Unfortunately XXXX  closed the dispute without addressing the fact that XXXX was wrong and XXXX is moving full speed tarnishing my name despite the overwhelming evidence clearing my name.

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 2021-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NM

Complaint narrative:
My mortgage is on forebearance. As I am nearing the end of the forebearance period my servicer is asking for a lump sum payment. The servicer in a letter to me offered several options. None of the options included the FHA COVID-19 National Emergency Standalone Partial Claim. 

I want to know why I wasn't offered this option despite rules from the pertinent government agencies stating that the missed payments could be deffered to the end of the loan.

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
The following information is incorrect and not associated with my name or social sec # Incorrect : XXXX XXXX XXXX XXXX XXXX - NOT LISTED ON AUTH FORM Correct : XXXX XXXX XXXX Zip- XXXX - IS LISTED ON AUTH FORM Incorrect Criminal Background : SELF-REPORTED CONVICTION XXXX  XXXX  Correct Criminal Background : NO CRIMINAL CONVICTIONS I never reported a conviction- First Advantage Placed a comment in my report that was furnished to XXXX which resulted in my not getting 2 different jobs. I contacted First Advantage - XXXX & XXXX XXXX to report several inaccuracies and each one told me there is nothing they can do, the report was already completed and can not be changed or updated regardless if the info contained is incorrect. 

Neither has provided me an option to correct the inaccuracies and neither is willing to investigate. Since XX/XX/XXXX I have been contacted by XXXX 5 times and have accepted 2 job offers, both which were rescinded for failing the background check, since the report contains a " XXXX XXXX ''. 

First Advantage has stated their criminal check came back CLEAN but since I self reported pending charges they have the obligation to place that on my report as a CONVICTION, regardless if they can verify that or not. Which they stated it was verified that I have no criminal convictions. But, someone at First Advantage or XXXX placed a comment on my report that states " SELF REPORTED CONVICTION '' and that is incorrect. 

I Have called several times since XX/XX/17 and most recently XX/XX/17 and both keep passing the blame and transwet the call back between one another. 

The background report asked me the following shown below. The report even has a note state the type of information that should be placed on the final report which is contradictory and the questions asked are confusing to a consumer. I am told not to report anything but a conviction, but then ask if I have pending charges and then goes on to state if I dont report something I wont get the job. 

I DO NOT have any criminal convictions and now I cant get a job because of this. 


Q & A from consent form : HAVE YOU EVER BEEN CONVICTED OF A CRIME : NO ANY CHARGES PENDING AGAINST YOU IN ANY COURT : YES TYPE : XXXX  YOU DO NOT HAVE TO IDENTIFY ANY RECORD OF ANY ADULT ARREST. 
ASSOCIATE BACKGROUND SCREENING SYSTEM INSTRUCTIONS : for ALL states do not include a record or any adult arrest ... ..sealed or expunged records. 
IF YOU DID NOT PROVIDE INFORMATION OF PENDING CHARGES EXPLAIN WHY :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I 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. II 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been going back and forth with Equifax requesting method of verification. This has been going on for months now. They never provided proof and removed the account on XX/XX/XXXX, still got no proof and it was put back on my credit 4 days later. This is a violation of the FCRA. Look at the previous complaints where they say they sending me proof. All they ever say is account verified. Where is the name, number, and address off the person who verified the account. There is no proof the account is mine and no signed contract. The other bureaus followed the FCRA guidelines and deleted it. Where is my Method of verification Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Deinde Online Services, LLC
State: OH

Complaint narrative:
I wasn't sure what to select for my specific issue, so I hope this complaint will still be received. I took out a loan through IntegraCredit and when I noticed that my payments weren't bringing down my balance, and in fact, my balance went up a couple of times, I emailed them and asked them how this happens? I never got a clear answer, just something along the lines of, they frequently adjust the payoff balance according to financing or something. 

I also found out that I do not live in one of the states listed on their website as able to provide loans to. I live in Ohio and Ohio isn't one of the states they provide services to. When I asked them how it is that they approved and gave me a loan, I got no response, they completely ignored that part of my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My FHA mortgage has been in forebearance due to member of the household being affected by the pandemic. I have been trying to reinstate my mortgage since XX/XX/2021 with a COVID 19 no doc partial claim. Mr Cooper has refused to evaluate my FHA loan for COVID 19 loss mitigation instead insisting I apply for a regular loan modification, or regular partial claim that requires extensive documentation and waiting for an approval. I have submitted updated ML XXXX as proof I qualify for a no documentation COVID partial claim. I have stated I have the ability to resume my regular payments and I live in the home. I never applied for or was approved for a government trial payment plan. ( A TPP is not required by the cares act ) Mr Cooper is refusing to follow the laws governing The handling of FHA mortgages. As set out by the cares act and updated ML XXXX. They also seem to be engaging in punitive retribution against me for complaining, through increased aggressive collection, and inaccurate reporting of their activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I just recently opened up my HSBC checking account online they then did a verification trial deposits to verify my identity as an extra layer of protection I could understand that at the same time on the account opening process I put in for {$100.00} deposit for the opening deposit they took that out I set up my online ID add this past Saturday I did a mobile check deposit in the amount of {$200.00} so this is a total of {$300.00} all of a sudden they close my account down telling me that due to informational mishaps that did not match they close down my account immediately even though I have money in that account the person that I spoke to on the phone could not give me any information he said that its a back office that handles all this and I suppose the back office no one can get a hold of I want my money back Im not gon na sit around waiting however many more weeks months or whatever its going to take this is ridiculous not only that its a department that no one can get a hold of supposedly and the gentleman told me that I will be receiving information about whats going on due date as of todays date I have not received anything about my account being closed when I will receive my money back or anything I have been trying to get in contact with this oppose the back office now for about a week and no one can give me any information on how to get a hold of this supposed department I want to be able to walk into a HSBC branch and my funds be given to me in cash Im not waiting for a check you guys debitMy account electronically so then you should be able to put the funds back the same way you took them you guys take peoples money and then close down accounts and then come up with a department that now I can get a hold of that is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I 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. II 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
This is a duplicate account and I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. This is reporting {$0.00} balance on 1 collection and reporting a balance on another 1 collection account. This is a violation of my right under FCRA.

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 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
I refinanced for a lower interest rate with Quicken Loans and have asked to have paper statements mailed to me and they refuse to mail them out before the XXXX of each month. My mortgage payment is due on the first of the month and I usually dont receive it till almost the last day of the month, so by the time I mail my check and they receive it I am running into the that 2 week grace period. I have asked several times if my statement can be mailed out sooner and they always adamantly refuse. I left for vacation on XX/XX/XXXX and had still not received XXXX statement. I called to make a credit card payment over the phone and they refused it. I was forced to give them my personal banking information in order to make a payment so I wouldnt have a late payment. I feel like that is wrong. I feel I shouldnt have to do that nor should I have to go thru the stress every month waiting on my statement which doesnt come until almost the end of every month so Im constantly in that 2 week grace period wondering if they have received my check. Ive had several different mortgage companies over the years and have never had any issues on receiving my statements in a timely fashion. I dont feel asking for my statement to be mailed to me sooner so I can make my payment on time ( not in the 2 week grace period ) is not an unreasonable request. I would appreciate any help from you in resolving this matter. I have since returned from vacation on XX/XX/XXXX and have still not received XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: PA

Complaint narrative:
XXXX, XXXX and Transunion. I have submitted dispute letters however they haven't changed anything and it has been more than 30 days

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 2021-06-18 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: NJ

Complaint narrative:
There are multiple accounts on my credit report that I do not recognize and are not mine

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 2021-06-18 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: NJ

Complaint narrative:
There are multiple accounts on my credit report that I do not recognize and are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: PA

Complaint narrative:
Equifax, XXXX and XXXX. I have submitted dispute letters however they haven't changed anything and it has been more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have submitted disputes it has taken longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
I have submitted disputes it has taken longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
I made payment to Nations Direct Mortgage on Monday XX/XX/XXXX electronically by my bank XXXX thru electronic payment. I received confirmation for chase that Nations Direct Mortgage was paid on the XXXX, Till today this payment has not been credited to my account. I have called repeatedly on XXXX, XXXX and XXXX and Nations Direct Mortgage can not confirm payment even thou I emailed the confirmation to Nations Direct Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I use Bank of America cash reward credit card. Early this year, an employee in XXXX delivery stole my personal information and got a cellphone through the card. I reported the fraud to the bank. I also contacted the police office because it is not only related to this credit card. However, after the BOA 's investigation, they thought it is not a fraud and close the case. I contacted with them about it but useless. So I contacted with the merchant. As the thief was found by the police, and the phone was returned to merchant, they are willing to refund me, however, when the merchant tried to issue the refund, refund is blocked by the bank and under investigation for several months. I contact the bank through phone, they said, it is not related to credit card department but merchant service and left me with a phone number. However I can not find anyone to work with because I'm not the merchant and don't have the merchant id they need to provide. The money is stay at the Bank and I never get it back.

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 2021-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I 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. II 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation