vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
PHOENIX FINANCIAL SERVICES LLC this company is claiming an collection amount for a past account fromXX/XX/XXXX. on which was pay back. 
Phoenix Financial claiming the amount as a new amount from XX/XX/XXXX, when the information is correct as this is a past account from about XXXX  years ago. amount that should not be claim for the age of the account as a new balance. the account needs to be remove from the credit report. as its affecting the score with incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XXXX XXXX On Sunday, XX/XX/XXXX, we purchased XXXX kittens  on this website ( XXXX XXXX XXXX ) for a total of {$1000.00}. XXXX XXXX XXXX We paid, using Bank of the West , online banking with a XXXX wire. 
Name of the seller : XXXX XXXX email address of the seller : XXXX Phone number that they used : XXXX XXXX XXXX XXXX email address : XXXX ( and also they proposed to pay with XXXX for the additional fees ) : XXXX This morning they sent us an email from XXXX, with this phone number ( XXXX ) XXXX asking us to pay {$2600.00} for XXXX crates. 
Of course, we didn't paid for the crates and we never received the kittens. 
Then we reached Bank of the west, who told us they have to block our accounts and create new ones and that they can not refund us, but we have to contact XXXX. 
Of course, XXXX is asking people to reach the bank ... the ping pong play can begin! 
XXXX XXXX XXXX XXXX & XXXX

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 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2018 I received a {$50.00} Bill Pay offer from BBVA. The terms specify that I must make XXXX qualifying transactions ( at least {$10.00} to a party other than oneself ) from the same Bill Pay account before XX/XX/2018. I made payments to XXXX/XXXX/XXXX XXXX  XXXX all on XX/XX/2018 but never received my {$50.00} bonus. I have contacted BBVA numerous times regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX Hello, Sunday, we purchased a cat on XXXX XXXX XXXX   XXXX Phone number : XXXX We signed a contract We paid with XXXX XXXX XXXX XXXX - Zelle to XXXX ( XXXX XXXX ) Then, the transporter ask us to pay an additional insurance {$1000.00} XXXX XXXX XXXX XXXX + XXXX ( XXXX ) XXXX and then we check on XXXX ... and it's a scam XXXX XXXX XXXX so second time we tried to buy a kittens only, and it was a scam Then we reached XXXX XXXX XXXX XXXX, who told us they have to block our accounts and create new ones and that they can not refund us, but we have to contact Zelle. 
Of course, Zelle is asking people to reach the bank ... the ping pong play can begin! 
XXXX XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I bought a home back in XXXX I dealt with mortgage forward with XXXX XXXX XXXX I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was XXXX parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX XXXX XXXX  they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for Mr cooper and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
I bought a home back in XXXX I dealt with mortgage forward with XXXX XXXX XXXX I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was XXXX parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX FCI lending they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for XXXX XXXX and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.

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 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Late last month, as a response to the economic fallout of the coronavirus, the CARES Act postulated that mortgage borrowers with federally backed loans can seek forbearance for up to XXXX months, at the end of which they can get another half a year of suspended payments. 

As nearly XXXX XXXX Americans filed for unemployment benefits in the XXXX half of XXXX, the start of the new month, when bills usually come due, caught lenders somewhat unprepared to handle the influx of mortgage assistance requests. 

On XX/XX/XXXX, an email from Wells Fargo landed in my inbox. In part, it read, If youre unable to make your payment due to COVID-19 related hardships, were offering a XXXX-day payment suspension. 

So, I called Wells Fargo to ask for information, regarding my mortgage, I was offered to suspend XXXX payments without penalty XXXX months of forbearance. 

However, at the end of those XXXX months, all my mortgage payments would be due at once. I told [ the bank representative ] that didnt sound very helpful. I explained I had only called to see if there was a way for me to hold onto more of my cash should I be laid off. 

So, forbearance would grant me a XXXXmonth program ; at its completion XX/XX/XXXX, I will have to pay them approx. {$12000.00} [ or the ] equivalent of [ XXXX  ] mortgage payments. If I cant pay it now, where am I going to get 4 months worth. Im glad [ you are ] looking out for us. 

I told the rep I might as well just keep paying my mortgage on time. He said he could activate [ forbearance ] as a backup plan just in case I needed to delay a payment, which I agreed. 

But not sure I really had a choice.

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 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aspen Properties Group, LLC
State: NY

Complaint narrative:
They are trying to take my property with illegal threats

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
The deferment, or forbearance, offered by Chase bank, because of the CV 19 circumstance, requires that I pay in FULL XXXX months at the End of the deferment, instead of rolling into the loan. This makes NO sense whatsoever! Im furious

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I mailed a check of {$1200.00} to the Lender AmeriCredit dba GMC Financial for endorsement. This Check was made payable to XXXX XXXX 1st the 2nd line was AmeriCredit. I told the Auto Insurance Adjuster to make the check payable to me. I sent the check with a letter requiring the proper endorsement, so that I could deposit this check in my bank account. This Lien Company was included in my Chapter XXXX Case XXXX XXXX XXXX XXXX Chapter XXXX trustee. The vehicle was sold at auction ( SALVAGE TITLE ) months prior and no Active Collections efforts should have been made. I'm filing a complaint with because the Lender had no right to my check after I fought with the adjuster with the Insurance Commission to make him compensate my for my loss, the car caught on fire, and was left with a vehicle. The state of Florida Shut down XXXX XXXX Auto Insurance.  XXXX XXXX was the adjuster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: ME

Complaint narrative:
All 3 Agencies have refused to remove negative information even though I have Disputed Issue Several Times and provided supporting documentation that the Lender, XXXX XXXX XXXX, has not only ceased collections activities- but has sent 1099C Letter to IRS , and per Lender, in 2018. This Account should be Expunged from the Credit File immediately. Efforts to Submit a Dispute with all 3 Bureaus has been timely and burdensome, and not investigated.The Credit Agencies list " updated '' without any proof of fact-finding, which they  have not attempted to do.

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 2020-04-07 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: HI

Complaint narrative:
I call and mail Experian to remove this account XXXX XXXX

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 2020-04-07 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:
I have filed a dispute in regards to the incorrect information being reported on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-04-07 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: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect information being reported on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-04-07 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: AZ

Complaint narrative:
My Equifax Score dropped 48 points over night without any changes I initiated to my credit file. 

Upon receiving the notification about my score drop from my free credit score apps, I immediately filed a dispute. This was XX/XX/2020. I also contacted Equifax directly via phone immediately after filing my dispute because I was unable to upload supporting documents on their website. A representative informed me I had to fax any information to update my credit file. I then faxed over an official statement from my lender stating the status of the closed account. I promptly faxed them the document with a cover letter that included my dispute number. I also included a letter of intent stating this reporting error caused me financial hardship and that I was filing a written complaint. I received an email on XX/XX/XXXX that my REINVESTIGATION has started from an non-reply email. When did the original investigation take place? What was the result? Was my complaint received? No email to respond to about my issue. On XX/XX/XXXX, I received a notification from my free credit reporting apps that my name had been updated, seemingly for no reason or purpose. Its now XX/XX/2020 and I have not received any notification from Equifax regarding my initial dispute or an acknowledgment that I filed an official complaint with the company. During this time, my Equifax credit score has not changed. Meanwhile, my XXXX  and XXXX  scores both increased because I have been working for years to repair my credit. 

Equifax not only failed to provide me notice of dispute within 30 days, they have not changed their error. Both of these matters are grounds for a lawsuit. I am trying to purchase a home and need my credit scores to be accurate for pre-approval. There has been no acknowledgement of wrongdoing or that I have filed a complaint from Equifax. I am emailing this message to the only email I can find for them hoping to get this issue solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: CA

Complaint narrative:
I am reaching out to you for help with company Nationwide Recovery Systems. They have ignored me and committed multiple violations per Fair Credit Reporting Act. 

PLEASE SEND THE ATTACHED DOCUMENTS TO NATIONWIDE RECOVERY. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: ME

Complaint narrative:
All 3 Agencies have refused to remove negative information even though I have Disputed Issue Several Times and provided supporting documentation that the Lender, XXXX XXXX XXXX, has not only ceased collections activities- but has sent 1099C Letter to IRS , and per Lender, in 2018. This Account should be Expunged from the Credit File immediately. Efforts to Submit a Dispute with all 3 Bureaus has been timely and burdensome, and not investigated.The Credit Agencies list " updated '' without any proof of fact-finding, which they have not attempted to do.

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 2020-04-07 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: ME

Complaint narrative:
All 3 Agencies have refused to remove negative information even though I have Disputed Issue Several Times and provided supporting documentation that the Lender, XXXX XXXX XXXX, has not only ceased collections activities- but has sent 1099C Letter to IRS , and per Lender, in 2018. This Account should be Expunged from the Credit File immediately. Efforts to Submit a Dispute with all 3 Bureaus has been timely and burdensome, and not investigated.The Credit Agencies list " updated '' without any proof of fact-finding, which they have not attempted to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: HI

Complaint narrative:
I call Transunion to remove XXXX off my credit.

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 2020-04-07 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
My XXXX  Score dropped 48 points over night without any changes I initiated to my credit file. 

Upon receiving the notification about my score drop from my free credit score apps, I immediately filed a dispute. This was XX/XX/2020. I also contacted XXXX  directly via phone immediately after filing my dispute because I was unable to upload supporting documents on their website. A representative informed me I had to fax any information to update my credit file. I then faxed over an official statement from my lender stating the status of the closed account. I promptly faxed them the document with a cover letter that included my dispute number. I also included a letter of intent stating this reporting error caused me financial hardship and that I was filing a written complaint. I received an email on XX/XX/XXXX that my REINVESTIGATION has started from an non-reply email. When did the original investigation take place? What was the result? Was my complaint received? No email to respond to about my issue. On XX/XX/XXXX, I received a notification from my free credit reporting apps that my name had been updated, seemingly for no reason or purpose. Its now XX/XX/2020 and I have not received any notification from XXXX regarding my initial dispute or an acknowledgment that I filed an official complaint with the company. During this time, my XXXX  credit score has not changed. Meanwhile, my XXXX  and XXXX  scores both increased because I have been working for years to repair my credit. 

XXXX not only failed to provide me notice of dispute within 30 days, they have not changed their error. Both of these matters are grounds for a lawsuit. I am trying to purchase a home and need my credit scores to be accurate for pre-approval. There has been no acknowledgement of wrongdoing or that I have filed a complaint from XXXX. I am emailing this message to the only email I can find for them hoping to get this issue solved.

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 2020-04-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account.

Company response to consumer: Closed with explanation