vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America thinks they do not have to follow the FCRA or other state and federal laws. I sent many dispute letters and a CFPB complaint and they have still not gotten back to me in 30 days and STILL have not provided me anything I asked for.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise Credit continues to call and harass my family about a debt owed by deceased family member for an XXXX account that was closed out over a year ago. We have made final payment as of XXXX and have already returned all equipment last year. They left something in our credit report without any prior communication and for at least 6 months made calls from a variety of spoofed numbers several times a day. 

Very poor communication and deceptive methods used to collect money.

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 2021-09-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
When I or someone else checks my Equifax credit report, my XXXX XXXX mortgage payment status has the wrong information from XX/XX/XXXX through XX/XX/XXXX. The amounts that they say XXXX XXXX reported to them has the actual Past Due is doubled. This is not the case with the other credit agencies nor are what was actually being reported at the time. I have tried to file an Equifax Dispute but the information they have there is correct from what was reported therefore, I can not fill the Equifax Dispute online. When I call the Equifax Dispute Center to help me, they do not know what to do leaving me with no recourse. What they are miss reporting is lowering my Equifax credit score and holding up using my good credit. I would like the information to be what XXXX XXXX has reported to them found on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bayside Capital Services, LLC
State: CA

Complaint narrative:
Debt collector has called over multiple dates and has repeatedly been asked not to call my employer by myself and other employees. Last call received was XX/XX/21 after being told on previous days not to call anymore. Threatening tones used also

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I walked to into a " XXXX XXXX XXXX ''. I purchased 4 shirts, and a pair of sandals. The owner, XXXX XXXX, charged my debit card using XXXX  merchant. He told me to total amount due, and I authorized the transaction. He told me the receipts would be texted and asked me to verify the number. The number that appeared when he ran my card was my husbands number, so I did not corrected. Later that day, my husband sent me the text receipt. I had been charged a total of {$1200.00}. The correct amount was {$130.00} + 9.9 % tax for a sum of {$140.00}. He keyed {$1100.00} + 9.9 % tax for a total incorrect sum of {$1200.00}. 

I called the store and the owner told me he did not know how to process a refund ( he seemed like a very humble man ), and that he would be traveling for the next two weeks. So he recommended that I processed a claim through my bank, he said he'd approve it. he checked in with me on XX/XX/XXXX to make sure that the bank issued a refund, and again on the XXXX when he received notice of the claim. He told he received notice of the error and he that he approved the refund. 

On XX/XX/XXXX, my bank reversed the transaction stating that the merchant provided strong evidence that the amount was correct. They advised me that if I wanted to re-open the claim, I'd need to send prove that the amount was an overcharge. I reached out to the owner again, because he asked me if I wanted to wait for him to return from his travels and come by to pick up the cash, so I hoped we could just do that at this point. His response was that he did not have the money, and asked that I stop bothering him. To solve the issue with my bank. 

I sent the text messages the owner sent me on XX/XX/XXXX. The claim was re-open and denied one more time. Per the bank representative, they investigate the charge with the merchant ( XXXX ), not with the owner, and since my text messages are with the owner the claim had to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VT

Complaint narrative:
XXXX XX/XX/2021, we began the mortgage application process with Amerisave. We were assured repeatedly ( we have the emails ) that our loan would be ready to close by XX/XX/XXXX. By XX/XX/XXXX, we were informed that all of our information was complete and that they were only waiting for the appraisal. 
We spoke to or emailed our loan originator EVERY DAY between XX/XX/XXXX and XX/XX/XXXX, the deadline under our XXXX & XXXX for a commitment letter. On the afternoon of XX/XX/XXXX, we were informed that we had a new loan originator and that he was " pushing '' to get our commitment letter. He said all of our information was complete and that we might still be able to close on XX/XX/XXXX. 

On XX/XX/XXXX, Amerisave began requesting additional documents, some of them duplicate requests that we had sent them weeks before. Nevertheless, we provided the documents and were told that " eveything is clear '' and that they were going to try to get us a closing date on XX/XX/XXXX. 

They repeated the process with additional requests on XX/XX/XXXX. Again we complied. Again our loan originator told us everything was " cleared, '' and that he was just waiting for final approval from the underwriter. 

Today, we received another request for a round of documents, half of which have already been submitted. We had angry phone calls with Amerisave and were, once again, assured that if we only complied, we would get a closing date. We complied, and they sent another request. We complied, and they will not commit to a closing date. 

We arranged to move our belongings into the new home in XXXX with an agreement with the sellers that would not allow us to stay at the house, only move our things in, provided that the closing would be Wednesday. 

Our children are staying with family, we are sleeping on the floor of my sister-in-law 's basement. All of our belongings are at a house we can not occupy, and the seller 's could cancel the sale at any moment. 

Our lawyer, XXXX XXXX, said in 35 years of practicing real estate law, this is the most outrageous behavior he has ever seen. 

Please help us.

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 2021-09-08 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: LEXISNEXIS
State: NC

Complaint narrative:
Sent a certified letter to LexusNexis to show proof of their method of verification for validation of a Bankruptcy they have put on my credit report and the 3 other major bureaus use them as a source of verification. It has been over 60 days since I sent them this certified letter with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC
State: CA

Complaint narrative:
Debt collector has called over multiple dates and has repeatedly been asked not to call my employer by myself and other employees. Last call received was XX/XX/21 after being told on previous days not to call anymore. Threatening tones used also

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a credit account with Synchrony through XXXX XXXX XXXX credit limit of {$500.00} in XX/XX/2020. I was paying my monthly bill of {$28.00} monthly, I was never late on my bill always punctual. The I got sick with XXXX  XXXX, I believe I wrote Synchrony a letter explaining my situation. I was like two weeks late with my monthly payment of {$28.00}, and Synchrony bank, took it upon themselves to close out my account. I did not have a debt owed in fact. The monthly payment I was paying every month was being credited to my account ending in XXXX. I know the action that they took against name is wrong, and they have the simplicity to contact me, and blow up my number ending in XXXX, trying to collect a debt, that I don't owe the account is closed. I tried to work it out with them, begging them to reopen my account, why did they close it that was very unfair, and crucial to me. That is not how you treat customers that are loyal and have a record of their loyal intentions by paying monthly bill on time. 

They input derogatory remarks, and comments onto my experian credit report monitoring inputting " worst ever status '', " accounts ever late. '' Factors influencing your score downward Too many bankcard or revolving accounts with delinquent or derogatory status The number of inquiries was also a factor, but effect was not significant Lack of sufficient relevant real estate account information The date that you opened your oldest account is too recent My credit score went from XXXX to XXXX within a month What language is that in.

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 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
As of today XX/XX/XXXX, I spoke with my loan officer at CMG Financial to determine the status of who owns my mortgage, and where I'm supposed to send my mortgage payment for the loan I refinanced on XX/XX/XXXX as I only received 1 servicing statement for XXXX. On XX/XX/XXXX, I reached out to my old LO who said that the mortgage was sold to XXXX. After going to XXXX servicing website to look up my loan information I determined that both CMG Financial servicing and XXXX servicing uses the same system, XXXX. I have now called their support line at least 5 or 6 times and met with the same issue, they indicate my old mortgage was paid in full, and there's nothing else in their system. I've been told my wife 's social doesn't exist in their system, and no other mortgages are tied to my SSN. 

According to XXXX, the only mortgage with my SSN and property is the one that was XXXX in XXXX, it shows " Inactive ''. 

I did send a check to CMG Financial for my XXXX payment and they did cash the check, however they didn't pay my Homeowners Insurance and they are now threatening to cancel my insurance.

I'm very concerned about my credit, whether my taxes will be paid on time and my homeowners insurance. What do I do? I can't get a straight answer from CMG or XXXX... .so did CMG lose my mortgage? Help...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 

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


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

3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Inaccurate and fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DYNAMIC RECOVERY SERVICES, INC.
State: TX

Complaint narrative:
I have been receiving numerous calls from Dynamic Recovery Solutions attempting to collect for a debt for someone else that does not belong to my phone number. I have requested to be added to the Do Not Call list multiple times and they have repeatedly called me even after requesting the DNC.

I am requesting formal complaint against this company for it's tactics and repeated violations of the Do Not Call provisions of the Telemarketing Sales Rules. 

Received call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX Outbound Call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX - Requested DNC ( After Requesting DNC ) Received call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-09-08 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On my credit report after 3 years of account closed Hyunday Capital posted a charge off in the amount of {$430.00}, when asked why an attempt of collection, call or letter was never sent they couldn't provide me an answer, my address and information never changed in the last 5 years, they simply decided to post the charge off which is hurting my business and financial situation since I need to keep my credit is good standing for my business to run properly.

My complaint is to make sure they had a valid bill and use not only the legal but the right way to do so, I have no problem in paying if they can prove the fact they tried to reach me first instead of simply report in my credit without giving me a chance of even check if is a legit debt. This is arbitrary and is hurting me and my business. 

I urge that such practice stop happening in the industry. 

Sincerely, 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 2021-09-08 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: CA

Complaint narrative:
I have contacted Equifax several times with my updated personal information in an effort to report fraudulent accounts in my credit file. They have updated the address I provided, then sent a postcard stating they don't have an account in my name. 
Equifax 's failure to follow federal laws written to protect victims of identity theft, they are engaging in defamation of my character and engaging in third party debt-collection activities over unverified debt. Equifax continues to state that they do not have a file in my name, however I have proof that they have my name listed in my credit file, and are failing to update it as my current name. After updating the Equifax several times and providing documentation of my name change, they continue to refuse to update it. The other major credit bureaus, including XXXX and XXXX have updated my information. This leads me to conclude that Equifax is knowingly and willfully engaging in identity theft, fraud, and use of my private information without my consent. Their automated system is failing to provide the required protection written by federal laws. 

Additionally, Equifax has failed to follow FCRA, FACTA, and E-OSCAR guidelines which state that information reported from identity theft must be blocked within 4 days. I have proof and record that Equifax received proper notice pursuant to federal law requiring them to block the fraudulent accounts. They have also failed to include a fraud alert, while the other major bureaus have updated my account with the fraud alert. 

Equifax additionally is obtaining information under false pretenses which holds them liable under title 18. Equifax has produced consumer reports to creditors whom submit application using my new name, which Equifax has also stated to me that they don't have a file on. How could a creditor pull my file using the same name I am using to contact the bureaus and these creditors are given access to my private an person information, but I can not access my file using the same information? 
I am prepared to sue Equifax if they continue to engage in criminal activity that is harming me and my reputation, for their engagement in third-party debt collection of unverified debt and for failing to following the federal laws that were written to protect me from this exact behavior Equifax is engaging in. 

I have record of all contacts between Equifax and myself, including certified mail return receipts and a Notary witness who signed that the relative documents were mailed out and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Inaccurate and fraudulent accounts from my credit report.

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 2021-09-08 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.

Complaint narrative:
In XX/XX/2019 I moved from the XXXX XXXX to XXXX. Prior to that I had mobile phone service with XXXX. I kept my number with XXXX for some months while I was settling. Once I determined I was going to stay in XXXX long term, I paid my final bill, and canceled my account. I double checked that the account was canceled by attempting to log in, and the account was closed. 

In XX/XX/2019 they sent me a letter for {$140.00} ( letter attached ). The letter stated I could dispute the validity of the debt, which I do, since I paid my final bill when I canceled the account. I wrote them a letter, and then they responded by email, saying I could call them or they would respond in writing. I wanted them to respond in writing showing why they thought I owed them more money. They said they would do that, but they never sent me another letter. Instead they gave the bill to a collection agency. 

I then disputed the bill with my credit agency. They refused to send the outcome of their investigation to XXXX, but the bill dropped from my credit, so I thought the matter was settled. 

Recently however a new agency has obtained the debt. I still can not get anyone to send me a letter stating why they believe I owe them money, and the credit reporting agency won't send anything to 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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation