vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian submitted a statement to the CFPB amounting to fraud. It stated that the dispute, XXXX was completed and information was sent. This is impossible. Experian as of this date of this response still have the dispute open, since there is indisputable proof that this was fraud and a letter from the creditor was uploaded as proof. No information was received by Experian as described in the resolution. As of today 's date and checked at XXXXhrs, XX/XX/XXXX, Experian 's dispute center states verbatim " This account is currently under dispute ''. The response is a complete falsification, a lie according the " My dispute Center '' within Experian and amounts to FRAUD ACCORDING TO THE FTC REGULATIONS. Experian chose to lie to the CFPB in order to meet the timeframe for reporting. 

In addition it has already been removed from XXXX  ( See attachment ) I am uploading the document from today at XXXXhrs, XX/XX/XXXX, showing the open dispute. 

Experian lied to meet the deadline.

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 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Data Search NY, Inc.
State: MD

Complaint narrative:
I opened a XXXX XXXX  account a while ago that charged off. Since then the account was placed with Trak America a collection agency. The account was sent by them to XXXX XXXX XXXX. I have been trying for a week or so to reach them regarding the debt but they dont answer and they dont call back. I have brought this to the attention of Trak America 3 times and they have failed to tell me how to resolve if the debt is placed with a non communicative attorney. 



XXXX XXXX XXXX XXXX XXXX XXXX  They have conveniently removed the complaint tab from their site

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I had my mortgage with XXXX XXXX XXXX XXXX XXXX and they sold my loan to Fay Servicing LLC, back in XX/XX/2021. On XX/XX/2021, I requested a payoff from XXXX XXXX XXXX attorney XXXX XXXX XXXX XXXX ( because I am in an active chapter XXXX bankruptcy and the payoff comes from them ). 
On XX/XX/XXXX I receive an email from XXXX XXXX XXXX XXXX stating to contact XXXX XXXX XXXX because there is no open file for my property address. 
I contacted XXXX XXXX and I was told a letter was sent to my bankruptcy lawyer about the sale my lawyer states they never receive any letter from XXXX XXXX Loans or Fay Servicing LLC. 
Now Fay Servicing who is my new mortgage company said they can not talk to me and that my bankruptcy lawyer has to send them a letter of authorization to give me any information on my loan. Fay Servicing refuse to give me a Supervisor. 
I need to get a payoff and insurance information from Fay Servicing LLC and I am not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: LA

Complaint narrative:
Someone is using my email address and name to open a MoneyLion account as well as a XXXX XXXX XXXX. I am unable to reach either company through their phone system to talk to anyone about cancelling these accounts. 

I receive this email from XXXX on the XXXX. 

Hi ____, Below is your Direct Deposit enrollment information. Give this information to your employer or benefits provider to enroll in ASAP Direct Deposit, and you could get your pay up to 2 days before payday or your government benefits up to 4 before benefits day.

Bank Routing Number:XXXX Direct Deposit Account Number : XXXX Bank Name : XXXX XXXX XXXX Deposit Amount : Provide this amount to your employer or benefits provider. 
Account Type : Checking Direct Deposit timing depends on deposit verification and when we get notice from your employer or benefits provider, and may vary from pay period to pay period. 

If you provided your employers email address, we also emailed them your direct deposit enrollment information. Make sure you follow up with your employer to check the progress of your enrollment request. Make sure the name and social security number on file with your employer or benefits provider matches whats on your XXXX XXXX account exactly. We will not be able to deposit your payment if we are unable to match recipients. If you need additional help setting up direct deposit, please call ( XXXX  ) -XXXX-XXXX. 


Thank you for choosing XXXX XXXX! 

I received the following two emails from MoneyLion on XX/XX/21. Neither the phone number or email address are mine. They are just using my maiden name and my email address. 

Hi, You've successfully updated the phone number on your MoneyLion account to XXXX. Thanks for keeping your info up to date. 

If you did not recently update your phone number, please log into the app to change your number or contact us if you need help. 

While youre here, check out MoneyLion perks, like deals in the Rewards tab or 0 % APR XXXX advances in the Finances tab! Open your MoneyLion app. 

Thank you, MoneyLion MoneyLion SIGN IN YOUR ADDRESS HAS BEEN UPDATED Good news! The mailing address associated with your MoneyLion Account has been updated : XXXX XXXX XXXX  XXXX XXXX, XXXX, WI, XXXX Dont recognize this activity? If you feel this change has been made in error, please send us a help request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: OH

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. USDOE/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
I have disputed these accounts with Waterfall Revenue, or A-1 Collection Services, or XXXX XXXX XXXX, or whatever their name might be, because the accounts appear to be duplicate accounts. I sent them a letter to ask for their clarification, and it was returned to me because their address was incorrect. They are reporting 9 accounts with the same account numbers, and the same amount of money! I am very confused, I've asked for clarification, I've received nothing at all in return, and I can not dispute the account because they don't know how to report! ALL MY RIGHTS ARE BEING VIOLATED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a car that my husband & I purchased back in XXXX with Citibank as the Lien holder. The vehicle was paid off in XXXX. We never received the lien release from Citibank and they are still on our title. We have tired effortlessly to contact them but no one was able to help us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2021, opened a checking account at BB & T, they gave me a few counter checks incase I needed access. Deposit over XXXX in the account, in XXXX I hire a paving company to redo our drive way, sent my wife with the counter check made out to her to cash it for XXXX ... ..her name is on the account POD, my money, they charged her XXXX dollars to access the fund and cash THEIR CHECK!!!!! 

This a racket ... .the state need to do something about this. Their check, no risk, they can look in the account and see if the funds are there and cash it. If not hand it back and try again tomorrow. 

What a joke ... .corporate theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XX/XX/XXXX I called and requested a deferment because I broke my XXXX  and needed to pay to see an XXXX surgeon. I have medical bills from my XXXX XXXX visit, I need to see the surgeon to have my XXXX  set and casted. {$610.00} would have gone a long way towards me being able to receive proper medical care. I was told I didnt qualify. Fine, but dont deny my request based on FALSE information. 

XX/XX/XXXX then received a letter stating that I didnt have the ability to resume payments. Thats a lie. I stated I am XXXX mom and has been for years. My car payment has always been made regardless. I can attach my bank statements proving I dont have access to funds to continue making payments is a lie. I spoke to XXXX XXXX ID # XXXX who did not care that something incorrect was done in the prior call because my medical bills hadnt even been resolved yet. Of course they hadnt, they havent even arrived yet from XXXX XXXX, and I havent even seen the XXXX  surgeon to have my XXXX  set yet! But guarantee itll be over {$630.00} as the surgeons office visit alone is {$150.00} without my XXXX  being set, casted, or follow up care. {$630.00} literally meant me receiving proper medical care and my XXXX  having to go improperly healed and deformed. He stated they are unwilling to do anything to resolve the issue as its simply a courtesy. I requested it be resubmitted with my husbands income included as he pays the bills. He refuses and told me to call back in a month. He also refused to tell me why they had come to the conclusion they did that I couldnt resume making payments to which he replied he couldnt coach me. Telling me what caused them to claim I cant make payments is coaching??? Why would any company say we denied you but we refuse to actually tell you why? 

XX/XX/XXXX I called back to obtain agent ID # s. I spoke to an agent named XXXX who refused to provide me an agent ID or any other identifying information after I told him I was filing a complaint with the CFPB. I was transferred to XXXX agent ID # XXXX. I asked why she was able to provide me an agent ID, but the prior agent was unable. She advised this number should have been provided and that the previous agent hadnt been noted he spoke to me prior to the transfer. 

I can provide bank statements showing deposits made every single month into my account and my urgent care discharge paperwork that states me finger is fractured and I need to see an orthopedic surgeon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: OH

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 60 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 2021-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Received financing from XXXX XXXX to attend a Computer Training school. School had promised job placement for life. Loan was turned over to Navient. School closed down. Class action suit was filed against school. Have paid loan for 15 years. Because of high interest rate I still owe about half of the principal. Can not afford payments anymore. Tried to work out settlements with Navient. Been denied. Can you help me? I can provide documentation of the class action suit and payment history to Navient if needed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been trying to reach the bureaus and I'm having a hard time getting a hold to someone about issues pertaining to my credit file.

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 2021-08-25 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: VA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to reach the bureaus and I'm having a hard time getting a hold to someone about issues pertaining to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: IL

Complaint narrative:
I have been trying to reach the bureaus and I'm having a hard time getting a hold to someone about issues pertaining to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I opened a Barclays bank account a while ago that charged off. Since then the account was placed with XXXX XXXX a collection agency. The account was sent by them to XXXX XXXX XXXX. I have been trying for a week or so to reach them regarding the debt but they dont answer and they dont call back. I have brought this to the attention of XXXX XXXX 3 times and they have failed to tell me how to resolve if the debt is placed with a non communicative attorney. XXXX XXXX XXXX XXXX XXXX XXXX  They have conveniently removed the complaint tab from their site

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already sent in All the information to Experian regarding the payment of this account.They stated that the information is accurate.The account has been paid and should be removed off my credit report. 

XXXX XXXX XXXX paid : {$610.00} XX/XX/2021 ... .documents will be uploaded as well! I've sent the same documents to Experian as well

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 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Had an overdraft amount with 5/3 Bank. Paid the amount in full in XX/XX/2017 and still is showing up on my XXXX XXXX, causing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A.
State: FL

Complaint narrative:
While I sought relief under Chapter XXXX Bankruptcy filed in XX/XX/2016 and Discharged in XXXX. The obligation with PNC survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I was using the cashapp to receive money from a guy that I sold a phone too. The guy sent the money and the Cashapp was supposedly holding it for 48 hours to make sure I sent it. I had to send a photo of the tracking information. I never received my money and was told by email through the cashapp that he the buyer was to send another payment of {$500.00} to be able to release my money and he did. But then they wanted me to go buy 5 {$100.00} XXXX XXXX cards and scratch of the back of them and send a photo to them. I didn't as I believe this is a scam and I went and stop the photo through usps to be returned to me.

Company response to consumer: Closed with explanation