vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
student loan is more than 10 years old im attempting to purchase a home and this loan reporting is making my debt to income ratio high.

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 2021-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Leased XXXX XXXX XXXX from XXXX XXXX in XXXX California my husband XXXX XXXX leased the vehicle and I co-signed loan. XXXX and I were estranged and I was moving to New Jersey which I did! XXXX was XXXX with XXXX XXXX XXXX and his condition was declining. He took car to XXXX XXXX & spoke to XXXX XXXX to take back the car & renegotiate a new loan for a smaller less expensive vehicle. He was denied. He explained to them that he was.unable to make {$360.00} a month payments as he lived on Social Security only & to be able to rent and live with the basics. His condition became intolerable he was living in hotels and the street. 
Hospital after hospital skilled XXXX one after another. Finally placed in a mental health facility and was diagnosed incapacitated. He ended.up in a Rest home unable to walk with complete loss of memory incontinent & died XX/XX/XXXX. 
I received a call from him saying a tow truck picked up the car. I received a notice about 5 months ago from a attorney/debt collector that they were representing Ford Motor Co for said debt of about {$13000.00} First of all I never received a notice from Ford that they were reprocessing the vehicle for non payment. Never were contacted about renegotiating loan or debt? I never received any document that they sold the said vehicle and how much they received? Is this amount with compound interest? Also during Covid I am continually getting harassed by letters saying that they are from XXXX civil division N.J. I l sent them a certified letter return receipt attached XXXX death certificate & asked then to contact me by mail so that we can discuss this matter. I did not give them my phone number as they probably would call off the chain. As I said I never received any of those documents to my home until I got the notice of debt from them? I live on Social Security raising my XXXX year old granddaughter. I own no car no home? I want to settle this matter. Please help me and explain my rights to me? Does Ford have any humanity? XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Group & Associates LLC
State: WA

Complaint narrative:
I was checking my credit and noticed a collection. The originator was a company called XXXX XXXX. I found out that someone had purchased a phone in my name ; however, nearly all of the personal information was incorrect. Moreover, when I tried to find out who the collection belonged to, I eventually came across Alliance Group and Associates, who had subsequently been given the account by a company called XXXX XXXX. XXXX does not have an account in my name, but it would appear that someone purchased a phone online. 

When I contacted Alliance, they demanded my personal information before they could give me my information. I declined, as they are already trying to collect a debt that isn't mine and I was never aware of. I requested information from them ; however, all that they sent me was an ambiguous letter with an amount due. It is worth noting, that before I contacted them, they did not even have any way of contacting me. They need to remove this from my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have made an attempt to get my 1098-E for the tax year XXXX on my student loan servicer. I have received an email in XXXX saying this is available but it no longer appears available. I asked customer support for this document and they directed me to make an account on studentaid.gov which explicitly states it can not provide me my 1098-E. This is massively inconvenient as creating an account for studentaid.gov is a multi-day process and I am just wasting my time now to obtain a document I need for my IRS filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: MoneyLion Inc.
State: AZ

Complaint narrative:
A family memeber of mine opened a loan in my name without my knowkledge or consent online with Moneylion. They were allowed to open the accoutn online by Moneylion without verifying identity of the person opening the account, no signature was oobtained or compared to the drivers license to verify the identity as well. I didn't know this accoutn was opened in my name until I check my credit report In XXXX. When I saw this accoutn on my credity I called to figure out what it was. I was told there was a balance on this account and that it couldnt be removed from ym report until i paid it, which I paid out of my pocket to get it remioved. I filed muiltiple disputes with Moneylion. I have contacted Moneylion multiple times to get this rectified and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
To whom it may concern, I was was in an apartment at XXXX XXXX and it flooded and was asked to vacate the premises due to the repairs being made. I asked for a termination of the lease agreement with no penalties or fees. I was advised to sublease the unit. I was unable to sublease it as the unit was under repairs and could not be subleased. Due to the repairs I was not able to stay at the unit nor sublease. As such rent should not have been charged. Moreover, I incurred damages in the amount of {$5500.00} due to the flood in the apartment. The leasing office changed the renter 's insurance policy two weeks before the flood and failed to notify. The new policy did not cover any flood damages.

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 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My stimulus checks have went into an account that I do not have access to nor is my name attached to it in any way. The deposits however had my name attached to them and the bank accepted the deposits into the account the I do not have access to. I called the IRS they said unfortunately since the bank accepted the deposits there wasnt anything they could do for me, that I would have to contact the bank. So I contacted the bank and they told me that they couldnt reverse the deposits that I would have to call the IRS so I then called the irs back and they again told me the problem was with the bank they couldnt help me. So after trying to recover my stimulus payments for quite some time now Ive been sent back and fourth between the bank ( Chase bank ) and the IRS and continued to be told there was nothing anyone could do. I am begging you for some help the bank said your offices was my only other option. They ( chase bank ) are helping the account holder commit theft of all 3 stimulus deposits. Please contact me ASAP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Vehicle loan balance is inaccurate, i have attempted multiple times to contact the lender to request more verification for the balance that was charged off. I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: NC

Complaint narrative:
I sent i a complaint on XX/XX/21 but since i didn't put in an e-mail. I can't see the status. I sent a dispute to all 3 credit reporting agencies and they didn't respond in 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: NC

Complaint narrative:
I sent i a complaint on XX/XX/21 but since i didn't put in an e-mail. I can't see the status. I sent a dispute to all 3 credit reporting agencies and they didn't respond in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: ID

Complaint narrative:
i have tried for 2 weeks to get online into my account. It will not take a password ..locks me out then does not send any code thru SMS text, call or email for me to get into account. The phone line gives you no email and the phone number is NOT OFFERING CUSTOMER SERVICE! I have talked to techs and others when they were giving you the optiion and they state they can not help me. Clearly their system is broken and they do not make any attenpt wither to fix it or assist me in any way. I can not access my mortgage account!!!!!

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper gave out personal information regarding my account without my approval. After this was shared with me by a Mr. Cooper representative I have continually called and asked for the fax that was used to request my payoff and what they provided. 

THIS IS IN VIOLATION OF MY RIGHTS AS CLIENT TO NOT HAVE MY PERSONAL INFORMATION PROVIDED TO UNKNOWN INDIVIDUALS. 

The week of XX/XX/XXXX a Mr. Cooper rep told me they had an inquiry about my payoff balance as of XX/XX/XXXX and asked if I was going through a refinance, I am not. 

Since that week I have called several times trying to get a copy of the request and what they responded with. NO one knows and no one will call me back, they continue to say they can not find the request. 

Initially, the rep scheduled a time where she was going to have a supervisor call me back XXXX she scheduled the call back a week from the day I talked to her ). No call!!! 

I then called back again and requested to speak to a Supervisor. They put me in touch with XXXX XXXX, ( XXXX ) XXXX, who was to call me back on XXXX after filing a Fraud report with Mr. Cooper XXXX this was a week after I talked to her - that gave her enough time to do the filing and find the paperwork I am asking for ). Needless to say, no call. I left her a message and again no response. 

This company is suppose to be documenting their interactions with the client ( me ) but when I call it is rare that they have documented the prior conversation, issue, etc. so it is like starting all over again, This is personal, private information they gave out. XXXX said they respond to these requests based on the account number ... how this person got the account number I don't know and it concerning. They said it was XXXX XXXX title company 's number on the fax. I called that number and listened to a recording say 'Hi This is XXXX and XXXX XXXX we're not home right now ', no company. 

Where do I go from here to ensure I get a copy of the request, what they sent and ensure this DOES NOT happen again. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my 604 letter report that I filed as well for Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: U.S. BANCORP
State: CA

Complaint narrative:
an Enitity pressured me to give them a credit card although they agreed to a cash amount for a service that i paid them with a Money Order in advance of getting service. they charged me excessively & I was advised to report to the Credit Card Co. 
I did they took my statement - got the Entity statement & disagreed with me. however to overt this Business from charging more & claiming more false narrative I told U.S. Bank / Smith ' to closed the account. 
i continued to pay a monthly balance while closed & while his matter was in litigation. 
in calling U.S.Bank because i received something that I could get a higher credit i found that this account was not closed. 
In that conversation i was assured it was going to be closed. 
Periodically I asked XXXX for a Credit Score ( see file I took them to Federal Court & Settled ) they would not provide a Credit Score without money. 
In talking to an Advisor about selling my home well before the current Seller Issue she told me that I could sell " handsomely -but that i could not get a mortgage-because my credit score dropped to the XXXX ' with XXXX XXXX XXXX. 
She said that she determined that I lost a 100 plus points due to this closing of this account. 
When I recontacted U.S.Bank they said they wouldr e-investigate this Fraudbut determined that it was to late. Not late enough to be filed in court. 
They ultimately told me that I would have to re-apply for a credit card. my advisor said that would only lead to a lowering of my Credit Score -- -- -- -- more! 
I've been back & forth with u.s. bank to include Fax ' ( XX/XX/XXXX & XXXX ) so i have a record. U.S. Bank set another form letter /no name -- to re-apply. I did but I could not get a copy of my application- for the record! 
This is costing me a record profit amount on my home. 
The last statement again was not received -- i called & got an amount due & mailed it in without a statement -- to avoid being late. 
Advisor said they should just re-open & set up a different credit card number Like to have this huge Real Estate profit to pay off debt to include this-balance -in buying something smaller.

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 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Customer service would not help and take care of the negative inquiries reporting to my credit report - XXXX XXXX -XXXX  XXXX 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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I spoke with this collection agency on XX/XX/XXXX. I made them aware that I was not familiar with this account and I needed something to validate the amount owed and the other account information. They sent me an email that only listed their name and the amount owed. The lady on the phone said they were not able provide any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
More than twice I have contacted Credence and asked they verify the debt and also provide me with the process, and contact information validating my debt. I let them know during this time I had a lot of fraud with my SS # and credit being used. I requested documentation bearing my signature showing where I have agreed to ever pay Credence or the other company they are collecting for. Upon my requests I get the same stall tactic letter in response. " We have investigated and verified the debt is is valid and belong to you ''. Never have they sent me the process, or who validated this debt. They also were requested by the big 3 credit companies to do the same and XXXX XXXX nor XXXX XXXX were able to provide the validation the law states they must provide. I have been requesting this data since XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We were transffered to Shellpoint Mortgage XX/XX/XXXX from XXXX Bank. In XXXX when we tried to pay full mortgage payment we were told we could not and that we had a loan modification from XXXX Bank. WE DO NOT HAVE A LOAN MODIFICATION FROM XXXX. THEY DENIED IT XX/XX/XXXX. We sent them the paperwork of the denial. We do not want a loan modification. When we tried to pay in XXXX the same thing happened. We were told if we pay the full amount, there would be a {$120.00} fee. I called Shellpoint XXXX and told them the issue. I talked to XXXX XXXX, then XXXX XXXX. XXXX I talked to XXXX XXXX. They all said they would research this issue. XXXX talked to XXXX. Called XXXX. XXXX talked to XXXX XXXX. She told me we do have a loan modification. Said she would talk to XXXX. Called XXXX XXXX. Left messages. XXXX XXXX wants me to write a dispute credit error. XXXX is now looking into this. I called XXXX, XXXX left messages. XX/XX/XXXX was told managers dont know, unique situation. XXXX XXXX ay he'll call this afternoon. I haven't heard anything since. In the meantime we are paying only partial payments and being told we don't have to pay anything till XXXX. I assume this is ruin our credit. I don't understand what the problem is. we do not have a loan modification and need to pay in full the amount due. Cerrtainly in 4 months this problem could be solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX and delivery was XXXX XX/XX/XXXX. We looked over the vehicle and saw it had animal scratches all over that was not disclosed in the pictures. We had tried to get this resolved for many weeks after, XXXX quoted {$6000.00} for fixing. XXXX offer us about {$1500.00} then {$2000.00} or we could return the vehicle. We chose to return. The vehicle was picked up XXXX XX/XX/XXXX. There was a charge on our credit card account on XXXX XX/XX/XXXX for charging at XXXX charger in XXXX. I have called XXXX almost every day since day of pick up to ask about loan being paid for original amount {$56000.00}. No one can help me and I go in circles and get transferred with no solution. I have now made {$4000.00} in payments and paid {$570.00} in interest. I would like this all paid back to me. The more time goes on the more money I am throwing away on a vehicle not even in my possession. I would also like the {$500.00} deposit back because there was false advertisement on the original sale of the vehicle. This loan is with XXXX XXXX. I do not understand why they have not paid this yet if its with their own company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WA

Complaint narrative:
I am using the XXXX app binance and my trading has been disabled for over 3 months after doing everything it says to resolve the issue and have submitted multiple tickets to be fixed and have received 0 response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I reached out on 4/13 to cancel a credit monitoring trial I never signed up for. They claimed they had a credit card on file I never provided.

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