vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: GA

Complaint narrative:
My identity was stolen and I XXXX provided proof to the credit reporting Bureaus. Per the FCRA they must remove these Erroneous trade lines within 4 business days. XXXX and Equifax have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Around the end of XX/XX/XXXX I contacted Acima credit. I explained to Acima that my identity was stolen and used to purchase furniture. A representative name XXXX advised me to obtain a police and email the police to Acima. Thursday XXXX XXXX I emailed two police reports. A minute later a representative name XXXX accused me of making payment arrangements back in XXXX. These are false allegations and Acima credit is protecting criminals. XX/XX/XXXX I emailed Acima asking for a copy of the application that was forged using my information. Acima refuses to provide me with the document. I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On Wednesday, XX/XX/XXXX @ XXXX XXXX XXXX I contacted Comenity Capital Bank to inform them to block & cancel my credit card immediately. The customer service rep assisted me in identifying that there were multiple simultaneous transactions that clearly did not match my transactional history pattern nor were they done by me or anyone I know. The fraud was swiftly reported and I made it crystal clear to the Comenity Capital Reps that I also reported my US Passport stolen and filed a XXXX report with the XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX. They can be contacted @ XXXX XXXX XXXX XXXX and can easily verify the validity of the report and issuance of NEW gov issued identification. The report itself also states the cc stolen detail. In fact I'm pursuing legal and law enforcement action against the crime. The transactions varied from small to large most notably charges for XXXX and XXXX XXXX  from what appear to be at multiple random locations. I was able to gather one of the identities of one of the charges XXXX XXXX XXXX  XXXX XXXX of the airline purchases and we are gathering further XXXXntelligence on this offense that continues to prove the offenses and Identity Theft. This information and evidence has been submitted to the appropriate parties pending further action. The last approved charge done by me was on XX/XX/XXXX merchant - XXXX. All of the charges in XX/XX/XXXX are fraudulent. What is absolutely erroneous to me and the professional counsel I've been advised by is that the charges were approved despite the flagrant and suspicious locations and charge amounts. This is very unprofessional of Comenity Capital Bank and shows a disregard to safeguard customers accounts. I spoke to multiple reps about this again in Account Protection on XX/XX/XXXX since Comenity Capital Bank added the balance transfer back unto my account on XX/XX/XXXX for {$6900.00}. I was told by Comenity Capital Bank rep that one of the merchants claimed that I have a " son ''? This is a false statement and a lie and I can continue to easily prove that XXXX. I did not make these purchases. XXXX. I do not have ANY family or friend members that made these purchases. XXXX. I do not have a son. I have contacted multiple pertinent parties about this, I've filed an Identity Theft report, XXXX report, police report and am currently getting professional counsel on my legal binding rights. I'm currently gathering further evidence of the Identity Theft/Fraud and have everything documented prepared for next steps. This is not difficult because the truth and right thing to do is very clearly outlined. Please correct this error as soon as possible in accordance with the FCBA, FCRA & Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
At my closing, I was presented with closing documents that were different from those sent to me. The closing cost was more than {$500.00} more than what was quoted to me. When I questioned this the lawyer said that if I didnt sign the document stating that I had received the document in advance we could not close. Both the attorney and I attempted to call the closing agent, the loan officer XXXX XXXX and his manager at Cross Country Mortgage. None of them answered or returned the call. I was charged for insurance fees which were never discussed and not owed. I was only at closing advised of the relationship between Cross Country and the law firm. I was never provided with the names of other options until Closing. I have repeatedly contacted the insurance company, but they have not received the funds. I have contacted the XXXX Law Firm 5 times each a month apart. They state the they have only collected what Cross Country told them to collect. They say they have to contact Cross Country but they never get back with me. 
I am very concerned that Cross Country practices deceptive practices saying they cant schedule closing in advance ( cant even give 7 days notice? XXXX, they ask that I sign documents stating that I received documents in advance when I in fact was not given the document, they are misrepresenting fees to get customers to use their companies and finally they are collecting fees that are not owed and then not refunding them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
on XXXX my XXXX XXXX american express was taken it was taken out of my wallet along with other bank cards and my XXXX XXXX credit card my cards where taken to a XXXX XXXX at XXXX XXXX, XXXX XXXX  NY XXXX at about XXXX XXXX and used to purchase {$310.00} of stuff and also at XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX {$28.00} was used for food all the cards where used but some cards had better security than others and i was able to get the money back from the companies and vendors it was a pretty easy case to solve it was clear cut fraud but for some reason my XXXX american express card will not do anything they will not refund my money that is why i am asking for help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
HELVEY & ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX Helvy and Associates reported to my credit during the investigation of the disputed debt. When I asked the representative why the debt was reported during an investigation, I was not given a response. 

The company also failed to notify me of the initial debt. I only found out through looking at my credit report since we moved to a new address. 

I called the company multiple times to speak to someone about why my credit was hit during the investigation time frame and was disconnected multiple times. 

I believe this company is extremely aggressive in reporting to the credit bureaus before receiving all the facts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I moved to XXXX XXXX with a transfer to a new job location. Covid19 came and I have been out of work since. I have not been looking for work consistently and I need my credit to be in decent standing for the jobs I am applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: SC

Complaint narrative:
I received credit alerts from : XXXX XXXX  and XXXX that Americollect inc., company flagged my accounts for collection. Americollect inc., flagged my credit file with inaccurate collection information on XX/XX/XXXX, and XX/XX/XXXX. 
Their account was opened on XX/XX/XXXX : I have not received any goods or services from Americollect inc., and I do NOT now nor have I ever agreed to this contract! Proper documentation from Americollect inc., was NOT provided to NAME to allow Americollect inc., to verify the accuracy of their data before placing their account with the credit bureaus for collection. 
Americollect attempted this same tactic in XXXX of XXXX and was unable to validate their accounts. As a result, each credit bureau immediately removed their accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: NY

Complaint narrative:
Transunion disregarded my dispute stating that they need authorization when I provided them with all the documents. I am not a third party company. I am myself. I provided proof of my ID, Utility Bill, and a notarized letter stating that it is me that sent the complaint through the Consumer Financial Bureau. I will upload all of this documentation along with my letter citing all the violations of the Fair Credit Reporting Act, Fair debt collection practice act, and the XXXX XXXX and need to be removed expeditiously from my credit report for these violations. I have cited the violations in the letter I uploaded along with all my other supporting documents.

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 2021-05-03 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: ID

Complaint narrative:
During the summer of XXXX I had tests done at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX My responsibility for that testing came to {$420.00} which we paid with a check that was cashed by XXXX. This was about the same time that XXXX started using an off-site billing service. They no longer have anyone within the medical group that you can call and speak with. The bill ended up being sent to a collection agency that contacted us. We provided that agency with the check number and the financial transaction number along with date of payment, XX/XX/XXXX and when the check was cashed. The electronic check number sent by XXXX XXXX  was XXXX processed on XX/XX/XXXX, confirmation number XXXX was told at that time that the issue was resolved. Apparently on XX/XX/XXXX XXXX sent this account to another collection agency. I just got off the phone with them where they initially said the bill was {$100.00} more than originally stated, When I called them on it they stated they had misspoke and the bill was {$420.00} and they confirmed that it was sent to them by XXXX. When we try and contact anyone with the XXXX system we are transferred to their contract billing office and told the amount was sent to collection.

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 2021-05-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: VA

Complaint narrative:
In early XX/XX/2020, I contacted XXXX XXXX of XXXX to ask about a reverse mortgage. He informed me that he could not help as the current mortgage was too high. He referred me to XXXX XXXX XXXX XXXX  XXXX XXXX ( not XXXX XXXX XXXX ), with whom he was previously associated. XXXX XXXX stated he could help me and the application process began for a reverse mortgage with Finance of America Reverse ( FAR ). 
The property is currently owned by XXXX XXXX, my daughter with whom I reside, XXXX XXXX, my grandson and nephew of XXXX, and myself. XXXX and XXXX were prepared to gift the property to me, so that I could apply for a reverse mortgage. The mortgage is only in the name of XXXX XXXX. There was a 36 % equity in the property and I had funds to bring to closing for any shortfall in the equity requirement, which was over 37 %. 
I signed the application on XX/XX/2020. All requirements for documentation, income verification, credit report, bank accounts, etc. were supplied as requested. There was a delay in the appraisal of the property due to FAR 's tardiness. The appraisal was received at the end of XXXX for {$600000.00}, the amount stated on the application. FAR asked for a second appraisal, which also stated the amount as on the application. 
After continuous requests for further information and documentation, all of which was supplied, I was old by XXXX XXXX in XXXX that I had been approved but a few more items were required. These were supplied. 
I then heard nothing from XXXX XXXX and he would not respond to voice mails or emails so in XXXX I tried to contact FAR. I called the telephone number on the contract to get voice mail. I went on line and sent a message on the FAR site. I signed up on a XXXX advertising Campaign. I tried every telephone number that I could find and received no responses to emails or voice mails and no one could help me. 
Intermittently, XXXX XXXX would call and say it is going to happen but the underwriters just need more or updated information. There have been 4 requests for us to get payoff amounts from XXXX to XXXX. The last communication with XXXX XXXX was on XX/XX/XXXX, when he was supposed to find out about errors on an estimated settlement statement. There is a loan # XXXX on this statement as attached. Since then I have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Ive tried to handle this in-house with Merrill Lynch/Bank of America. 
Merrill gave me a case number for my charge dispute : XXXX. 
They mailed a letter to me dated XX/XX/XXXX. The letter gave me 10 days to respond by fax with my particulars. By the time the letter reached me by ( snail ) mail I had 2 days. 
I called Merrill and they told me 3 key things 1. ) The time frame didn't matter and the case would remain open even if I missed the 10 day window. 2. ) They had an address to XXXX to and it didn't have to be faxed and 3. ) Even though the XXXX point was in XXXX my packet would be forwarded to their dispute center. It should be noted that I indicated on my packet the intended end recipient and my case number. A weekend was in play and I don't own a fax machine. I have proof from XXXX the envelope was delivered and signed for. 
Merrill has notified me my case is closed for lack of response from me. 
A few of my calls : XXXX XX/XX/XXXX, XXXX XXXX, at XXXX PDT I was transferred to another site only to hear ; office closed ( sic ). XXXX XX/XX/XXXX XXXX , no help, then re-call this time to XXXX , no help. Im serious, really, no attempt to help me or escalate my concern. Case closed. 
Please help me.

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 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
On XX/XX/2021 my mortgage company, Mr Cooper/Nation Star Mortgage, debted my bank account 3 times totaling {$3700.00} without my authorization. I have spoken to this organization multiple times with no resolution of this financial theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: AR

Complaint narrative:
I have been trying to correct a multitude of problems with Kia Motors Finance since XXXX of XXXX due to them incorrectly applying extra payments to interest instead of principal, erroneously charging me late fees and NSF fees and later agreeing to waive them but never updating my balance, charging me higher interest on a higher principal balance due to failure to correct my principal balance as promised and then later promising to correct the inappropriate interest charges and not doing so, and continuing to erroneously report a late payment and incorrect balance to the credit bureaus despite dispute and numerous calls. I contacted Kia on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX, email on XX/XX/XXXX, XX/XX/XXXX by phone an email, and today I spoke about the problem again with a XXXX reference number XXXX who confirmed they still had not corrected the payments but he could see I have called numerous times about it and that it was supposed to be corrected. I spoke with a supervisor on XX/XX/XXXX who reported she would " waive the NSF and late fees '' and XXXX said he saw that and it should have been updated within XXXX hours by Friday XX/XX/XXXX but could not explain why it had not been updated once again. I have included call logs, my Kia Finance payment history that shows payments, and how the principal balance has not updated in months nor have the extra payments for principal been moved as promised. You can also see NSF or late fees randomly applied to my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They also applied {$510.00} out of my {$700.00} to interest only on XX/XX/XXXX payment which is more than the required {$600.00} and then reported me as late in XX/XX/XXXX to XXXX and the other credit bureaus despite filing disputes with all XXXX. I am tired of calling this company and them doing this to me and the late payment interfered with a mortgage application I applied for just last month and was part of why I am paying a higher deposit to my new apartment since I could not get a mortgage.

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 2021-05-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX is my lendor for my vehicle loan. Last year I requested and paid additional dollars to place my account on deferrment on XXXX. They told me that this would not show negative on my credit reporting since I was on deferrment, however they listed me as being 30 days late on XXXX and XXXX of XXXX. I disputed this reporting. Then they came back and reposted my 30 days late for those months. I began a loan process for a home and had to remove the disputes so I could get the loan to go through without penalities or downgrading of my loan. I sent XXXX a registered letter to remove the dispute, after 45 days they sent me a letter stating the dispute was removed but it was not. I reached out to the credit bureaus to remove the dispute, both XXXX  and XXXX removed the dispute immediately. Equifax stated it would take 30 days, they would not escallate the removal of the comments. My lender is having to downgrade my loan, which increases my interest rate and my cost for the property. I would like for both Equifax and XXXX XXXX XXXX to be investigated and for them to be penalized for their LACK of actions as it is impacting my ability for this mortagage.

Company response to consumer: Closed with explanation