vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: NC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/21 I deposited a check for {$3700.00} into a branch ATM of my banking institution after normal business hours. By the time I got home I had an email stating they were placing a hold on the check. 

XX/XX/21 I call the bank why there is a hard hold placed on the funds bc they can't prove funds from the funding bank the check is written on, there's nothing they can do, etc etc XXXX XXXX XXXX. Person who wrote me the check sends me a screenshot showing her bank account she wrote the check on showing the funds have been subtracted from her account. I spent approximately an hour arguing about could I just get the check back and rip it up and have her pay via XXXX. Every response was no and too bad just go away. This bank offered absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: FL

Complaint narrative:
I XXXX XXXX, sent a letter regarding inaccurate, unverifiable and unknown items on my credit report on XX/XX/2020. To date, it is 60 days later and I have not received a response yet. I am now starting to feel like my disputes are being neglected and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Local Data Recovery, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted LDR Group at XXXX, as a result of LDR contacting my brother and leaving a message on my voicemail. XXXX XXXX left a number to contact him with my file number. XXXX XXXX was very aggressive when speaking to me. He asked me to confirm my last four SSN, I refused. He then asked me to confirm my DOB I also refused. I asked XXXX XXXX what was this in reference to, he told me a credit card account XXXX XXXX XXXX XXXXXXXX. I then told XXXX XXXX that this debt was an old debt. XXXX XXXX then told me that I had just paid XXXX on this account. I told him that was not true. XXXX XXXX then told me that I would be sued for the debt. I told XXXX XXXX that I could not be sued for a debt that was over 6 yrs old. I told XXXX XXXX that I did not want to be contacted about this debt and to not verbally contact me. I asked XXXX XXXX for a mailing address that I would use to address this matter. XXXX XXXX refused. I asked multiple times and XXXX XXXX still refused. I then disconnected the call. 

XXXX XXXX XXXX acct XXXX XX/XX/XXXX, first date of delinquency was XX/XX/XXXX. The High balance was {$460.00} The Account was charged off XX/XX/XXXX After several unsuccessful attempts to get a mailing address, I was finally given the address : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. After checking the address I realize that I was given the address of the XXXX XXXX After my own research I found the company address as XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I would like to inform you that I have unrecognized accounts in my report. I do not know these accounts and they are still reported. I gave time to this and I thought bureaus made investigation and soon these accounts would be deleted however they are still in my report and basically you are my last hope to push this situation towards deleting the accounts. Please check my situation and my profile, figure out the reason of misleading information and delete them as I am in need currently. I o not know the origins of these accounts and they are not mine, I do not recognize them

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 2021-03-05 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 belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
Chexsystems has not removed reports that contain fraudulent information, even though the information has been disputed with the financial institutions themselves. ChexSystems and the financial institutions knowingly reported fraudulent information during the period when I was still a minor. The report includes the following : XXXX XXXXXXXX XXXX  ; ACCOUNT ABUSE Date of Closure : XX/XX/2017 RTN/ACCT # : XXXX XXXX XXXX ; OVERDRAFTS Date of Closure : XX/XX/2017 RTN/ACCT # : XXXX Both accounts were closed when I was only the age of XXXX ( XXXX ), upon collecting further information from these financial institutions the required legal age to open these accounts is XXXX, as I was only XXXX these accounts are a result of fraudulent activity, and Chexsystems did not follow procedure and federal guidelines when reporting information. 

I requested this information be removed due to fraud and ongoing investigations, Chexsystems has yet to respond to questions.

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 2021-03-05 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX Account # XXXX asserted collection for Comenity Bank Account # XXXX for {$700.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. XXXX XXXX XXXX is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. 
Historically, XXXX XXXX XXXX has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XXXX Credit file dated XX/XX/XXXX report versus my XXXX Credit file dated XX/XX/XXXX reveals XXXX XXXX XXXX Account # XXXX extending this reporting time by an additional 3 years. The actions of this collector is reckless, targeted, and with malice intent. 

The payment history, date opened, date first reported, status, and comment has been falsified in an effort to continue to oppress consumers financial standing. XXXX XXXX XXXX Account # XXXX on behalf of Comenity Bank Account # XXXX had recycled the date of asserted delinquency to continue reporting in excess of the law allowed retention date. 

This matter has been satisfied since XXXX, four ( 4 ) years prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical Data Systems has placed several damaging items on my credit report without due process ... .process to include no notification in written that would have allowed me the right dispute and or request validation of these alleged debts, which is clearly a violation of the FCRA and FDCPA. 

I have no knowledge of these accounts : XXXX XXXX XXXX # XXXX {$780.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$2200.00}

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 2021-03-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$34000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
We closed on a mortgage for a second home on XXXX XXXX with Fulton Mortgage. Information in the closing documents is inaccurate. 
( 1 ). Closing documents said first payment would be due on XX/XX/XXXX for {$970.00}. We received a billing statement for payment on XXXX XXXX for {$1200.00}. 
( 2 ) .The Closing Disclosure says that our property taxes are included in the escrow. They were not. We have already had to make a separate property tax payment {$1300.00}. 
( 3 ). There is a document in our closing packet titled ARM Construction/Permanent Mortgage with Conversion Option that explains the process of converting our ARM to a permanent fixed rate. When I asked our loan officer about it, he said that they don't offer that option. 

I have spoken to the loan officer. He couldn't explain the discrepancies in payment dates. He told me to call the phone number in the closing documents. I have called twice ( first call was over a month ago, second call was last week ) and spoken to two different people that took my information and said that someone will be in contact with us. They have not been in contact with us. The loan officer has responded to calls and emails, but his response is that he doesn't know why that paper was in the closing documents because they do not offer that option.

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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I started a refinance with Amerisave on XX/XX/2021. I went through signed all the required documents with one of there lending Agents. the next day ( XX/XX/2021 ) I sent them all the requested documents including, but limited to paystubs, W2, bank accounts. Since then the lenders has continuely asked for every single item multiple times again even though they already had the documents, stretching out the closing well past. They have questioned everything including whether I owned the property or not even though they accessed my current mortgage and sent back to me how many payments I had remaining. I Paid off an HELOC account I had on the property and after questioned if it was for the property even though the statement I sent there clearly had the property address on it. and they harassed me and the lender about the HELOC even though I had sent them statements showing that not only was it paid off, I was owed money. I called that lender multiple time they even noted the account about the issue.This harassment was so bad one of their agents stating that that lender is ignoring them and asked if I have another contact for them. They have asked me to submit every document at least twice. I had to repeated tell them that I don't have an HOA, condo XXXX, it's not a PUD and they keep asking again and again. meanwhile over the same 6 week period, one of their agents keeps calling me every 3 to 5 days telling me they have everything and I should receive a closing date soon. I have even received a request while I was on a call from her. At this point I believe they are purposing delaying the approval so that they don't have to payout as much on closing or that I get fed up and cancel the loan.

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 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I was using XXXX crypto exchange to buy crypto currency. I deposited money in my crypto XXXX account. But yesterday i made a withdrawal request of XXXX $ ( XXXX GBP ). it was supposed to get withdrawn instantly in 10 minutes to my account but its been more than 48 hours the money is not in my account. contacted customer support many times but worthless.please help me with this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I have had a first and second mortgage with Colorado Housing and Finance ( " CHAFA '' ) XX/XX/XXXX. In XX/XX/XXXX I filed a Chapter XXXX bankruptcy. My mortgage was not discharged and subsequently the delinquency was included in a promissory note in XX/XX/XXXX. 
I have made ALL my payments for my 1st and 2nd mortgages. However, CHAFA has not provided a 1098 for my first mortgage for XXXX, nor do they provide a monthly statement of my first mortgage, nor to they report my payment history to the credit bureau of my first and second, despite in XXXX my 2nd was being reported, not the first and now neither is reporting. Clearly, my pay history with my mortgage would raise my credit score significantly for a refinance and despite maintaining a XXXX credit score I am unable to get a more favorable rate. CHAFA has gone back and forth as far as allowing me online access. 
I called on XX/XX/XXXX and left a message with the legal department. No response. 
I called customer service today and was advised they are unable to provide me online access and can only mail the requested documents ( despite the 1098 was due XX/XX/XXXX and the monthly statements have not been provided at ALL ) thus I am unable to complete my taxes and it puts a further delay my ability to refinance.. In fact, last year when I attempted to refi my home CHAFA refused any cooperation with me or the mortgage associate I was working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On XX/XX/2021 I received a phone call from a third party locator stating that there was legal action that was going to taken on me. They stated they were looking for me and it was for an old pay day loan of {$290.00} that I didnt pay. They have made phone calls to multiple family members with this information. I called back the number that was given XXXX with the case number XXXX. When I called the representative at this company basically told me that the case was being filed and I needed to pay it today or else I would have to go to court. I have never received any type of legal documentation or have I received a letter from this debt collector. I tried to call back today XX/XX/2021 after contacting ACE CASH EXPRESS in which their representative told me that they have sold my debt but that this collection agency should never threaten me and they dont take legal action against people that dont pay their debt. They gave me a number to call so I can report this collection agency which I did. Anyways so I called the XXXX number and tried to resolve this issue I did mention to her that I connected with ACE and they told me they would never sue me and I asked her why this company would use these tactics on people and scare them into giving them possibly all the money they have for this debt. She didnt say anything and continues to tell me there is nothing she can do for me that my case is now being filed and I can not resolve it.

Company response to consumer: Closed with explanation