vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2021-09-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2021-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XXXX XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX ca XXXX phone number XXXX ssi XXXX I owe XXXX Im paying XXXX each month need some more time. 
Freedom Mortgage Account 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 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On The date of XX/XX/2021 Im sending payment check to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, CA XXXX of the amounts of {$2000.00} from my personal CHASE checking account to pay to my mortgage. On the date of XX/XX/2021 the XXXX XXXX XXXX XXXX notify me, they havent received the check I sent yet. I went to chase bank where I wrote the check to XXXX XXXX XXXX XXXX. The Chase banks notifying me they have funds {$2000.00} to a wrong receiver, not XXXX XXXX XXXX XXXX. 

I have filed a fraud complaint more once with Chase Bank, theyre asked me to wait 90 days, after 90 days as promised, Chase Banks still not refunded to me. Todays, after 4 months, Chase banks stilled neglect, and refusing to return my moneys, Its clearly Chase Banks faults, for not doing their jobs rights, fund a customer to a wrong receiver. 

My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Account : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
On XXXX I called CREDIT MANAGEMENT LP to discuss the debt showing on my credit report. They were unable to locate it with my name and my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
The property sold in early XXXX so we no longer had possession of property we went to get a loan 4 months ago and they ran my credit and said we have a 90day late payment from wellsfargo in XXXX I called and they said they would take care of it we talked to a lender yesterday XX/XX/XXXX and he said he pulled credit and it now shows two 90 day late payments one from XXXX and one on XX/XX/XXXX so it is crashing my credit i called and they say they will fix it but there now is two instead of one and its stopping me from buying a house. It is reflecting on my credit bad.

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 2021-09-02 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: TX

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
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I called the collection company they said I had a credit card opened from billed XXXX on XX/XX/2017 beginning balance of XXXX and ending balance of XXXX which never received any payments but I never opened up an account through them or XXXX XXXX  XXXX company and I had a fraud alert on my XXXX  so I need this to be taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I closed my XXXX XXXX Account on XX/XX/XXXX. They said sent me a statement saying I owed them {$7.00}, 2 or 3 times, but I NEVER received any of the statements. I have NEVER paid my bills late and for some reason my mail was returned to them saying my address was incorrect. I never had a problem getting my statements from them before my account was closed. I have lived at this same address sincxe XXXX XXXX. I feel it is VERY unfair to lower my credit score and have this 30 days late payment on my credit report when it was out of my control. If I had known that I owed them money I would had paid it on time as usual like I always have. I want this 30 days late to be removed from and also my credit score reinstated as it was before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: Merchants Credit Corporation
State: FL

Complaint narrative:
These accounts are not mine and are affecting my credit report. Please remove them from all 3 credit reporting agencies.

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 2021-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I had multiple medical collections with RECEIVABLES MANAGEMENT PARTNERS , LLC. 
I set up a payment plan and paid off all my debts with them. They sent me Receipts stating the amount I paid the account number and that it was paid in full and the amount owed XXXX. 
Months later I received a debt collection notice From XXXX XXXX XXXX XXXX XXXX for a medical bill that I paid for through RECEIVABLES MANAGEMENT PARTNERS , LLC. 
So I immediately called them and they assured me I paid that account with them and I told them that I had gotten another collection for the same debt and they had no idea how that was possible and told me it was for sure paid. So I called the XXXX XXXX XXXX XXXX XXXX and gave them the account number and told them that I had a paid in full, XXXX  out Receipt for that specific date and debt. 
After months of having to call them and try and get answers, because go figure the one time you want a collections agency to call you, they dont.

Their explanation took literally months to construct and they have offered zero proof or paper trail of an account not being paid.

I do not feel like Iam responsible for their mistakes. I have my proof of payments and I do not intend to pay for the same account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
This so called collection agency has called me multiple times. They called about an old 5/3 account I had well over 10 years ago. It sounded funny so I personally contacted the bank to which a letter was delivered to me saying my account was closed, charged off and that they were not looking for any funds/ restitution on the old account. Furthermore, they also said " Fifth Third Bank has not contracted with ANY company to contact you ; ANY company that may have called you regarding your previous account with us is NOT acting on behalf of Fifth Third Bank. '' The " case '' manager with this " business '' claimed that I wasn't answering her questions so she escalated my case to the escalation department. Thats when things got funny. The lady claimed she was the director of communications for escalation and that I needed to pay the account or she was going to make sure my accounts were frozen, my income would taken, and anything I owned would be taken away. I informed her that I contacted the bank and they informed me they did not contract with them and she began to yell at me and even threatened my family. She told me she wold inform the military that I refused to pay a debt. I asked her why she was yelling at me if she was a law firm this is not how you speak to anyone. She proceeds to tell me that she was going to push my case to the top of the file and see to it that my accounts were frozen, assets taken and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
There is a paid collections account with remarks " Account information disputed by consumer, '' from XXXX that does not belong to me. The account number as shown is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent out a letter for this company " LVNV Funding '' injuring my credit with this inaccurate information being on my XXXX  credit file. Investigation that took place did nothing and did not respond and remove this inaccurate, unverifiable information. They were not compliant and answer when i reached out to this company. Somehow it's saying i owe this when i did not know what they this was. This is my second attempt, please remove this. This has hurt my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank
State: TX

Complaint narrative:
This card was consider card to help rebuild and repair credit but due to lack of being able to speak with live rep, hard time paying the card besides using checks which I do not have it became a nightmare. I used my own funds for this account and now it is showing negative and closed despite having enough funds to end balance. This has negatively affected me and my credit in ability to obtain future assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, my MoneyLion account was hacked by someone. They were able to change the phone number on file and make several transactions including opening a XXXX  account ( which is MoneyLions checking account ), getting a {$510.00} loan with their Credit Builder, and signing up for the monthly membership which is $ XXXX/month ; this said person also was able to cash out several amounts using the XXXX  service MoneyLion offers. On the same day, they also authorized a repayment of that XXXX  in two amounts, the first was {$300.00}, and the second was {$75.00}. After the second amount, my XXXX XXXX account denied further transactions due to limited funds in my account. The person then transferred the loan amount and XXXX  amount to the XXXX account and transferred that into a separate personal account totaling {$860.00}. When I noticed this, I tried contacting MoneyLion directly but wasnt able to get ahold of them except via email. I also tried changing the phone number on my MoneyLion account back to mine to but since it had been recently changed, it would not allow me to change it back. I contacted my bank and they were able to refund the {$300.00} and {$75.00} charges to my account. The next day I was able to talk to a representative who took all of the above information and told me they would pass it along to their team of specialists, lock my account and I would hear back either by phone or email in the next few days. After approximately two weeks, I hadnt heard anything from the company, and MoneyLion had cashed out {$700.00} that was due for repayment of the XXXX. I called them again and got the same response that they would pass it along to their specialists and didnt have a time frame of when the issue would be resolved. It has now been two more weeks since then and I have not received any information or refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
XXXX passed away in 2015 and since then I have been struggling with Selene Finance in giving me any information what so ever to reinstate the loan payments on my mother 's home. Here we are 6 years later and I have no resources to help me talk to the company to work with us. And we are facing foreclosure. I would like to stop it and attempt a loss mitigation application or a payoff anything to assist in keeping my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
This is shocking, I had just filed a complaint because my funds were released contrary to the title of the account you have forwarded the complaint and this bizzare shocker. I made a new savings account in my name and the bank manager Gave me the Bank account card on my new savings account. I took that card in my wallet and informed social security and XXXX XXXX. Shocker XXXX XXXX told me that those account numbers were no mine and a fraud. I checked, those numbers on the card did not match the code .I went to the bank, the manager could not explain that fraud bank card is evidence,. I reported the matter as a police complaint, and it seems the manager has been fired?? at least I did not see here there again. I closed my account and have gone to another banmk. This is very serious XXXX other banks are shocked to see it the evidence which is with the police. This is BMO Harris XXXX XXXX branch at 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 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This account does not belong to me, Ive been a victim of identity theft.

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 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/XXXX, Coinbase has put my account under review and they have my money withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TX

Complaint narrative:
An attempt was made to resolve the negative inquiries on my credit report with Equifax Credit Bureau due to fraudulent activity. This occurred on XX/XX/2021. They refused to assist me and directed me back to the creditors. I informed them that contact was already made with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
New Res-Shellpoint Mortgage had marked me 30 days in XXXX of XXXX after being assured I was not going to have a late payment recorded as my loan transitioned from a repayment plan to the NY cap and extend. They claim I called and suggested I wanted a repayment when in fact I have multiple emails back and forth demanding the deferment of the forbearance that I was led on to believe I was getting after the 1st deferment they gave me back in or around XX/XX/XXXX. After the 2nd extension of forbearance was completed ( 3mos later ) they said not to apply for a deferment until the forbearance was totally completed as you can only be granted a total of 2 deferments total.

After being told we had reached the maximum months allowed in forbearance ( I was told over taped conversations which I requested all my called dating back 6mos on XX/XX/XXXX with XXXX XXXX ; a supervisor and never received. See attached ) I was told for the 1st time, " THEY WILL NOT AND/OR COULD NOT DEFER MY PAYMENTS THAT WERE IN FORBEARANCE AND I EITHER HAD TO DO A REPAYMENT PLAN OR COMPLETE MODIFICATION OR FACE FORECLOSURE ACTIONS IF IT REMAINED UNPAID ''. 

It was at that time that I decided to choose the repayment plan which I believe started in XX/XX/XXXX. So, immediately after making a voluntary down payment of {$4500.00} to bring my payments down which I believe was due in XXXX, I found out I was eligible for the cap and extend program which I was just told ( again emails with shellpoint and phones show ) I was not. I immediately sent my rep, XXXX an email which he acknowledged and stated on XX/XX/XXXX ( email attached XXXX, that he was just needing his processing group to close out the repayment plan and open the automatic cap and extend and we would be all set. So, he eventually did that in XX/XX/XXXX as I waited and called and emailed throughout the month of XXXX to make sure I wasn't going to be reported late for XXXX, to no avail. XXXX passed by with the mortgage company delaying my file until finally issuing the cap and extend in late XXXX with a payment due date of XX/XX/XXXX. I quickly executed the agreement called to make that XX/XX/XXXX payment and was told to wait until the agreement was confirmed and uploaded which it was days later and I made the payment on time for the XX/XX/XXXX payment in the month of XXXX. I was never able to make a payment in XXXX because there was never a payment to make that month. So, to be reported as 30 days late for XXXX is in error as the mortgage company dropped slowed, delayed or was incompetent in getting me my paperwork in time. 

I want the 30 day late removed immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NY

Complaint narrative:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

Company response to consumer: Closed with explanation