vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Mountain America Credit Union is reporting a late for XX/XX/21 on my mortgage and I was never late. I have made my payments on time for this account and am very confused as to why there is a late payment reporting. The money came out of my account on time. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
Medical bill hippa violation not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Problem : Chase Bank allowed a vendor subscription purchase on a locked card. Then, charged fees and interest. Several months later, I was alerted to the charge and I called Chase to report this issue. The phone number on their website is incorrect and did not point me to a correct number. Once I found a good number, the first customer service rep hung up when attempting to transfer me. I called back. The second customer service rep and manager gave me the run around. The attached file shows the following : 1 ) Account has been locked since XX/XX/XXXX 2 ) Chase message that purchases are not allowed on locked accounts 3 ) Vendor subscription purchase allowed in XX/XX/XXXX. Fees and interest charged on this expense. 
4 ) Incorrect phone number listed in customer service portion of the website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06 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: Monterey Financial Services LLC
State: AZ

Complaint narrative:
XX/XX/2021. 
I was notified by the U.S. Office of Personnel Management that there was new potential adverse reporting on my three credit bureau files. Monterey Collection Services, LLC, opened a report of a collection on XX/XX/2021. They claim that I had an account with XXXX XXXX that hadn't been paid and recorded the following with each credit reporting agency. 

Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type Collection Agency/Attorney Balance {$270.00} Date Updated XX/XX/2021 High Balance {$210.00} Original CreditoXXXX XXXX XXXX  Past Due {$270.00} Pay Status In Collection On XX/XX/2021, I filed disputes with each of the agencies with requests for investigation. The account in collection status is not mine and I have never ordered or purchased a product from XXXX XXXX. I have filed fraud alert with all three credit reporting agencies, and have locked my credit files to prevent further access to them. 

The results of each investigation follows : XX/XX/2021. XXXX Credit Reporting cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX Credit Reporting Bureau cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX Credit Reporting Bureau upheld the collection account and stated they investigated and Monterey Collections provided them with verification. I re-opened the dispute because the verification of information had never been given to me, the consumer. 
XX/XX/2021. I sent a formal request for verification to Monterey Collection Services by Certified Mail, return receipt was requested. The letter formally requested written verification from the Collection Agency and the letter was copied to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 OF 609 LETTER regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Several employees at bank of America for this entire year have been telling me I have a claim and it takes 3 weeks but everytime I get there I am wrongfully denied and referred by the experts looking at the record and making the right decision. 

I am aware of the regulatory agent treeah XXXX XXXX ext. XXXX whom called me around 3-4pm eastern time today and stated that she came to a resolution on my case and she said I could file a claim under identity theft fraud and that she had gotten approval that I could file a claim and she gave me XXXX XXXX to call. But the guy said no and his supervisor said she understood but that I needed protection first and transferred me to the protection program then I spoke to myia whom said yes this is a claim and transferred me back to claim then the lady denied me and everytime I get to claims I get denied. This is unfair.

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 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
collection agency trying to collect on apartment that i did not stay in -The apartment was in my name but I never stayed there-person skipped last month rent for which they are trying to collect -sent letters to previous employer and calls harrassing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
lost my job due to iilness was not able to keep up with payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I was under a Forbearance Plan due to Covid hardship. On XX/XX/2021 I called my mortgage company, Flagstar Bank ( spoke to XXXX @ XXXX XXXX  est ), to let them know I was ready to start making payments and wanted to Defer any outstanding balances during the forbearance to the end of the loan. They instead said they could do a Streamlined Modification and would mail me paperwork. They insisted that if I did not like the terms I could still do the Deferral. I received the paperwork about 2 weeks later and it made no sense to me ; the interest rate stayed the same, my monthly mortgage payments went up and they wanted to increase the term of my loan by 10 years. I called them back on XX/XX/XXXX @ XXXX XXXX  and spoke to XXXX and told her that I did not want to modify my mortgage ; I just wanted to defer the outstanding balance and restart my payments. She said that they had to approve my Deferral and it would take about a week. On XX/XX/XXXX @ XXXX XXXX  XXXX called me and said that my Deferral was approved and that paperwork would be sent out. I never received the Deferral paperwork and called 4 more times in XXXX. They said they would contact a supervisor, could not explain why my paperwork was never mailed, and then they sent me a Loss Mitigation packet to fill out. On XX/XX/XXXX @ XXXX I called back told them I do not want to modify my mortgage I only want to Defer outstanding balance and start making payments. They said there is nothing they could do and they are waiting on management. According to XXXX XXXX website, my mortgage backer, and Flagstar Bank I have the option of doing a Deferral. They can not explain to me why the Deferral was approved and paperwork was never mailed. I do not want to run out the clock and lose my home because of errors by the bank. Can you 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 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MO

Complaint narrative:
I have this company reporting false and wrong information on my XXXX XXXX and XXXX  credit report. Enhanced Recovery Company its an account that is fraud that they are reporting under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I was contacted by Jefferson capital for a debt in the amount of {$230.00} from XXXX. The date given to me was in XX/XX/2012. I have let them know that this is not my debt and that they need to stop contacting me ; yet they are still sending me letters. When I tried to call them he asked me for my Social Security number which I absolutely refuse to give over the phone to anybody they need to stop bothering me with the stuff thats almost 10 years old its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: FL

Complaint narrative:
Equifax applied item that is not mine. I can not understand how that is possible to putt just account without even checking if this is my account. There is wrong name, account number, and obviously that this account is not mine. I have no idea about this creditor and I have never dealt with this company. I do not know why I have this account in my profile and I ask you to check the information and remove it ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
H

ello, I want to explain you the situation happened with me. I have account in credit report that is not mine. My report was brilliant until the day when bureaus, because of their poor reporting, put this account into my profile. This account is incorrect and not mine. So I ask you to take appropriate actions and apply investigation because it seems like Identity theft case. So I ask you to remove this item as soon as possible.
Account number is below : 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 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I have requested that MEADE & ASSOCIATED stop calling my phone and mailing me letters over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and your own company management. I also the right to file suit against you for any future violations of this law. I will record all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Capio Partners, LLC
State: NY

Complaint narrative:
I went to check my XXXX XXXX statement and it said that I had an account out of Texas for a Capios LLC I am not familiar with that. I do not live in Texas I live in New York someone got my information from me for a job interview over the phone and I tried to report it then and for some reason it still went through even after I made a report of identity ThEft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I notice fraudulent transaction on my bank account. I search for my bank debit card and realized that it was lost. 
I reported the unauthorized transactions to the bank. The bank send a letter saying the transactions were authorized without providing any proof to how they came to the conclusion. 
when I open an acount with bank ( Bank of America ), I was told that I'm not responsible for any fraudulent transactions.

Fraud involving an AT
M or debit card is covered by the Electronic Fund Transfer Act ( EFTA ). A consumer is not responsible for any charges made on an ATM or debit card if he or she reports it lost or stolen.

It's a fraudulent charge and I want my money back. Thank you.

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 monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: OR

Complaint narrative:
Deposit XXXX, and XXXX, online banking, realized it was a fake check. I transferred money to the person who scammed me XXXX, try to cancel the transaction that I sent, and the deposit, but KeyBank said they couldn't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: U.S. BANCORP
State: UT

Complaint narrative:
US Bank is reporting late notations for XXXX on a credit account and XX/XX/18, XX/XX/18, XXXX on my mortgage account. I went through some pretty serious hardships and paid as soon as I could. I ask that US Bank please make a one time goodwill adjustment and remove the late notations on my credit file. This would help a ton and I have been a very long time customer and love banking with US Bank and ask they make a one time exception and remove the lates.

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 2021-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine

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 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I applied for the Citi Premier credit card online. 

After I submitted the application I received a message denying the my request. 

I have a excellent credit score of XXXX. 

I have a checking, savings account with Citibank. I have been a loyal customer and this is how I get treated. I will be closing my accounts and taking my money elsewhere if this how they treat CitiGold clients.

I tried to call the reconsideration phone number only to be told you will receive a letter saying why we can not approve this credit card. They would not look at the application or ask further questions to " reconsider '' as that is the purpose the phone number. 

The application number is 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 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
In XXXX of 2021 I received a letter from Southwest Credit systems stating that I owe a XXXX phone bill. I responded within 30 days asking for debt validation. They sent me a copy of a statement from XXXX that has no signature from anyone. I noticed that the copy they sent me is the same one that was sent to me previously from another collection company named XXXX XXXX. They could not validate the account either. I sent another letter to Southwest Credit asking for full validation or the removal from my credit report. I also stated to them that I am in the middle of a major purchase that relies heavily on my credit score and by them reporting this to my credit report may have put this purchase in jeopardy. Southwest credit just sent a copy of the same statement again with no kind of respone to what I had explained to them. I have called XXXX several times asking about a bill in my name and they told me that I do not have any outstanding bills with them. Southwest Credit has not contacted anyone at XXXX and they are just getting their information from a fraudulent statement that can not be verified. They can not prove the account number, the amounts or anything else about this account. They are going by the information they received from XXXX XXXX. They haven ; t shown me any documents showing that they have been contracted by XXXX XXXX to even try to collect on this account. Southwest credit put this account on my credit report the day they signed for my validation request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Mr. Cooper Mortgage is claiming that they never received my payments for XXXX, XXXX, XXXX and XXXX of XX/XX/XXXX, I made the payments through online bill pay with XXXX  XXXX XXXX, both XXXX XXXX XXXX an I have provided proof that the payments in question, were sent electronically and the funds were received by Mr. Cooper, however they continue to claim that they can not find said payments. 

It appears that since XX/XX/XXXX, when Mr. Cooper took over my Mortgage I've been using the wrong loan number, however until XXXX there was no issue the payments were being applied to my loan without a problem. 

also my credit rating of XXXX has now dropped to XXXX I have contacted them on numerous occasions, I've had two conference calls with XX/XX/XXXXXXXX XXXX and Mr. Cooper, provided bank statements and other documents proving that payments were sent & received, yet they still claim that they can't find the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
XXXX XXXX states they will file with XXXX XXXX county if I do not pay {$260.00} for a unpaid Payday loan. They claim it's from XXXX and they will take me to court. After I spoke to the guy I still got a call and so did a family member stating if I do not call I will be located at there house. They can not provided any proof of this loan from XXXX and they can not send me anything in writing. Not on my credit report. The voicemail they leave also say this is legal notification by telephone. I asked which court house in XXXX XXXX and any documents but they said they don't have that information that it will be provided to me at court. The payday loan company does not show a loan for me in XXXX. But one over 7years ago. I did tell XXXX XXXX this but said I can talk to the judge or settle this with them.

Company response to consumer: Closed with explanation