vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 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: OH

Complaint narrative:
I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I am a senior citizen and military veteran. Prior to submitting a loan with Discover Home Loans, I stipulated I wanted my payment due on a specific date each month. Discover confirmed this could be done and sent several emails to me as such. I was approved for the loan. From XXXX to XXXX I have tried over seven time to have Discover change my payment date as was agreed to do as a condition of the loan. They transfer me to a different agent each time with no agreed upon payment date change. Discover guaranteed this could be done if I took out a loan with them. 
XX/XX/XXXX : Discover Home Loan email confirming new loan #, states your payment is due on the XXXX of every month. If you would like to change your monthly due date, give us a call and we can move it up to 15 days after the original date, from the XXXX to the XXXX of each month. This change can be made one time. Email attached. 
XX/XX/XXXX : Called Discover Home Loans to change the monthly due date to XXXX, 15 days after the original date. Was informed that an email needed to be sent to XXXX and would take three to four days to process. Email attached. 
XX/XX/XXXX : Date change still not processed, I called for a status update. Was informed by XXXX ( who hung up on me and called me back ) she couldnt help and would set up escalation for that department and it would take XXXX XXXX hours. 
XX/XX/XXXX : Still not processed. Called and XXXX directed me to a supervisor, because he couldnt help. Spent 45 minutes on the phone with supervisor, XXXX, who told me she would escalate, as she could not complete. 
XX/XX/XXXX : Still not processed. Called and was told by a different supervisor, XXXX, it would be processed by XX/XX/XXXX. 
XX/XX/XXXX : Still not processed. XXXX transferred me to XXXX who said she would escalate. Both are supervisors. Received an email from XXXX ( XXXX ) XXXX, Resolution Specialist, that she would be handling and the contact throughout resolution and will contact me by phone or email by XX/XX/XXXX to provide an update and/or resolution. I responded to her email that XX/XX/XXXX is after the original due date and therefore doesnt resolve the issue. Ive also tried to contact XXXX via phone several times, all unsuccessful. Email attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The value of the XXXX XXXX I purchased in XX/XX/XXXX has dropped almost 1/2 of what is owed. I want to refinance to get a lower payment however the car is worthless at {$9000.00} while I owe {$22000.00}. This is a rip off. Why would a bank finance a car for so much money when that car does not hold its value? 

Im XXXX and struggling to pay and need to refinance for a lower payment. 

What are my options? 

Thanks 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 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Contacted XXXX XXXX XXXX on XX/XX/2017 they told me I owed {$290.00} and told me that the other amount I had in their office for the amount of {$85.00} was paid in full. I the company then called me back another representative saying I owe {$85.00} and I told them I just talked to a representative on the phone telling me that it was paid in full and it is illegal for them to classify false information to me I spoke to a manager on the phone that was cussing at me and being very rude. I then told the manager that it is illegal for them to cuss at me over the phone and I asked to speak to his supervisor and he said that he is the only one in the office and that there was not any other managers on duty. The manager then kept cussing at me then disconnected the call on me over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/2021, my mother informed me that she received a letter in the mail with my ( partial ) name on it. After I asked her to open it to see what it was, she said it was a check from Chime for some sort of refund. After calling Chime and navigating their automated phone system, I came to the conclusion that someone opened an account with Chime using my partial name ( only half of my hyphenated last name ), my an old address ( my mom 's address ), and my social security number. I contacted Chime over email to try to get to a real person, which I could not do over the phone. They insisted I provide them with government-issued ID and last four of SSN, over insecure/unencrypted email. They would not allow me to get to a real person and kept giving me the main phone number which does not let me get to a person. Additionally, my IDs have my correct personal information, which I do not trust them with nor does it match the fraudulent account with partial and old information. Chime failed to check the SSN used by the fraudulent account owner to make sure it matched my full name and current address. Their failure to prevent the most obvious of fraud puts my personal information and financial well-being at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
The address currently reported is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX PLEASE CORRECT THE ADDRESS AS FOLLOWS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: OH

Complaint narrative:
I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2021-04-17 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: OH

Complaint narrative:
I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: PA

Complaint narrative:
I recently challenged the validity of XXXX  # XXXX {$400.00XXXX XXXX XXXX # XXXX {$16000.00} XXXX XXXX XXXX # XXXX {$570.00} and XXXX XXXX {$370.00} XXXX # XXXX {$0.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX  # XXXX {$950.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX # XXXX {$1800.00} accounts XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX # JXXXX {$160.00} that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Phoenix Financial Services LLC
State: OH

Complaint narrative:
Phoenix Financial Services placed two accounts on my credit report. They also sent a letter to my house indicating that the statue of limitation had past and that these accounts were too old to collect thus making them time barred. I disputed both of these on my credit reports. On XX/XX/2021 these were removed. However, on XX/XX/2021 I received a letter stating that the law limits how long you can be sued on a debt. Because of the age of your debt, you can not be sued for it. On XX/XX/2021 it then placed back on there. These debts were duplicates with the same amounts. My rights were violated under the FCRA due to this items being deleted then put back on my account. This company has parked these debts on my credit report and therefore it has caused my credit to go down. The balances are {$11000.00} and {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
My inquiry was supposed to be removed within 60 days yet it is still reflecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
COLLECTION COMPANY SYNERPRISE CONSULTING Account number XXXX REASON : THIS ACCOUNT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fifth Third bank incorrectly processes mortgage payments as curtailments. This has happened repeatedly. I have asked the bank to please escalate this technical issue as it requires a fix in their systems but they have refused to do so. 

Each time I make a payment, the bank incorrectly processes my payment as a curtailment despite the fact that the settings clearly show it to be a mortgage payment and NOT a curtailment in their online tool. 

Every month, I have to write a message to the bank to reverse the curtailment and reprocess my payment as a mortgage payment instead of a curtailment. They take care of this manually and fix the error but it requires that I reach out to them and ask them to reverse this issue. 

However, recently, the bank has begun to cut staff due to XXXX. It also appears that they have taken down their online messaging tool so it is very difficult to contact them and ask them to reverse the curtailments. This is a significant issue and makes it very difficult and painful in order to simply process a mortgage payment. If I was not on top of this, they would be marking me as delinquent in their systems. 

These are the dates I have written to Fifth Third Bank and asked them to fix their online tool and/or reverse the misprocessed payments. I have and can provide evidence of these letters as well as correspondence received from the bank acknowledging the issue and agreeing to reverse it manually. See attachments. 

It's worth noting that I never selected XXXX XXXX as my mortgage servicer. My mortgage was transferred to their care after my original mortgage was sold. Since then, mortgage payments have been a nightmare. Literally every payment is misprocessed despite the fact that I input them into the system correctly. The company refuses to fix the technical glitch despite repeated phone calls and correspondence with them. This is made far, far worse now that they have removed electronic correspondence on their website. This means that I'll now have to call them each time to fix the issue, which will require sitting through their inundated phone tree each time and waiting for a service rep each time I want them to fix their errors in processing my mortgage payment each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Workers Your previously sent letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting additional information that your are in need of, has already been provided many times, online and telephone calls. Though you received your desired information, your further researching of the concerns gets no where, just with asking for the same stuff, which only the same additional information can be provided. Your research gets no where, you are happy to refuse the return of the funds. Also, you offer no fax numbers or e-mail addresses to provide the repeat additional information to you, besides the postal mails and your online, which has been unable to contact to the department Again, here are the same additional information that you desire. 

XXXX XXXX connected me with XXXX XXXX XXXX mentioned previously. 
This company supposedly provided repairs to homes as warranty. 
When using its services, requested claims, they would not respond. 
Tried reaching them through e-mails and telephone calls with no responses. Then, contacted them to cancel as they were not providing their services. Unable to cancel as they wont respond. 
XX/XX/XXXX called with e-mails. 

XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX Worker XXXX did not call as mentioned. No other XXXX workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. Comenity has not provided any assistance with this, delayed 2 years now XXXX Any more repeat information, you may contact me through e-mail that you have on file or fax. No postal mails XXXX card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Credit Technologies, Inc.
State: MD

Complaint narrative:
An inquiry of my credit report was ran WITHOUT my permission and falsely used. I DID NOT request a mortgage screening during that time ( from ANY LENDER USING XXXX XXXX  ) and certain that someone fraudulently ran this check against my name or maybe they have the social security # mixed up. I get instant notifications of any changes, inquiries and such on all XXXX of my credit reports. This would've been impossible and unlikely considering I was only working with XXXX mortgage companies and XXXX used XXXX XXXX while the other used XXXX XXXX. Not XXXX XXXX, I was never associated with a lender that used them nor gave anyone permission to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Wells Fargo pulled a bait and switch with the mortgage process. They agreed to be an approved lender for a condo project. Obviously this required them to review all the necessary documentation regarding the condo and its HOA including insurance. 

After taking my {$560.00} and wasting 4 months of my time, they " decided '' that they no longer approved of the condo project. I was left without my initial fee, scrambling for a new mortgage lender, and finding interest rates increased. 

They tried to appease me with a measly {$200.00} ; not even half my initial deposit. I am sure that this action is a scheme to defraud applicants of their money and I do not want their predatory actions to fool anyone else.

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 2021-04-17 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: Atlanticus Services Corporation
State: MD

Complaint narrative:
An inquiry of my credit report was ran WITHOUT my permission and falsely used. I DID NOT request a credit card screening and certain that someone fraudulently ran this check against my name. I get instant notifications of any changes, inquiries and such on all 3 of my credit reports. This would've been impossible and unlikely considering I am out of town, overseas on vacation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have an account with Coinbase, which was locked without my knowledge and indicates that I have to contact them to unlock it. I have not been able to contact anyone at Coinbase customer service to rectify this and allow me access to my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX JP. MORGAN IS REPORTING THIS DEBT ON MY CREDIT REPORT

Company response to consumer: Closed with explanation