vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: Monterey Financial Services LLC
State: NC

Complaint narrative:
On XX/XX/2021 and XX/XX/2021, I requested payoff amount totals for the debt owed on the account. On my credit report, they have not updated my reported balance since XX/XX/2021 and it states that my account is 90 days past due with a remaining balance of {$1300.00}. However, in their payoff amount emails on the above dates, I was only 30 days past due with a remaining balance of {$1000.00}. They have threatened in the emails that my credit will be impacted and it has because they have not updated my reported balance in almost 2 months. Based on their email as of XX/XX/2021, my remaining balance was {$510.00} because I have tried to resolve this on my own with continuing to pay in hopes of the company updating the correct amount to my credit report, however they have chosen not to do so. They are intentionally not reporting my updated balances and my credit health is severely impacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: DC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-10-27 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: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX1 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX atm was malfunctioning, I tried to cancel the deposit and get my check out when it asked me to manually enter the amount it would not allow. 
I then get a message that I would have to wait til XX/XX/XXXX for my paycheck to clear I then go inside the bank to a manager wh tells me that I would have to wait til midnight to aee if my check clears then he can call the writing bank and if it cleared out of that person 's account then they could call loss prevention My check clears always the following day and {$500.00} is available right then and there I have now been told while my family is sufferung financially from covid that my pay check will not be made available until XX/XX/XXXX which is about ten days not the seven they claim My family as no money to eat, our water and electric will be shut off because I chose to go to an ATM and put my check into my chase account I could have went anywhere What am.i suppised to do until then we have nothing at all but {$.00} in our account There has been XXXX  checks deposited in this account for over 10 years and a check has never bounced ever I was told by a rep XXXX yesterday there waa a hold and then when transferred to a mamager I was told there was not a hold his name was XXXX this is not a game but the way my family will survive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an online XXXX XXXX, the industry shut leaving us no way to produce XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high XXXX 's to the XXXX 's. My credit is impeccable I have not made a late payment in over 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NJ

Complaint narrative:
We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an online XXXX XXXX the industry shut leaving us no way to produce XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high XXXX 's to the XXXX 's. My credit is impeccable I have not made a late payment in over 20 years.

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 2021-10-27 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: NJ

Complaint narrative:
We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an XXXX XXXX XXXX, the industry shut leaving us no way to XXXX XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high 800 's to the 600 's. My credit is impeccable I have not made a late payment in over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NJ

Complaint narrative:
We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an XXXX XXXX XXXX, the industry shut leaving us no way to XXXX XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high 800 's to the 600 's. My credit is impeccable I have not made a late payment in over 20 years.

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 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive included a copy of my credit report this alleged account closed 2019 and every month since then Experian has been reporting a charge off status which caused my score to drop how could you report a charge off status on a closed account monthly thats damaging my score drastically and according to fcra accounts should report accurately please remove account from 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 2021-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2021 My Relatives was contacted by Debt Collection Firm that purchased an account from Capital One Bank. The Firm informed my relatives that I was to appear in court and need to be notified leaving the following reference number and Contact Number XXXX. Once informed I reached out to the collection agency to identify the account. I was informed that the account will be purchased from Capital One Bank and that I would have to deal with their Law Firm to resolve the issue. They provide the account number and dates of the previous account for Capital One Bank with the balance of {$3500.00} as the payoff. The representative further stated that I will have to appear in court to validate ownership of the account and that I have an upcoming court appearance. 
History of Account with Capital One I have sent several dispute letters regarding this secured credit card account with Capital One requesting a balance adjustment since closing the account. The account was a secured card account and Capital One already had my funds to secure the balance. Once I requested the account be closed and Capital One to apply the secured funds to the account and adjust the balance no action was taken. Capital One closed the account at the total credit balance with adjusting for secure funds that established the credit limit. The credit reporting of this incorrect balance has caused harm to my credit report and my ability to obtain any further credit. As of XX/XX/2021, I now have a debt collection agency that purchases the incorrect balance and further damages my reputation by treating calls in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had an awful lot of sickness and death in my family. My husband just died of XXXX. My brother was on XXXX XXXX for 9 months. Then he died. My elderly mom in Mississippi and my stepdaughter in California are BOTH severely ill. So I am trying my BEST to recover my credit. So I make a little payment towards my credit cards. I usualy pay Synchony Home XXXX per month. But this month Synchrony XXXX instead of XXXX from my bank account WITHOUT ASKING PERMISSION. In contacted them. THEY REFUSE TO GIVE IT BACK. NOW ALL MY OTHER CREDIT CARD PAYMENTS ARE BOUNCING BECAUSE OF THIS. I AM SO UPSET I CAN '' T EAT OR SLEEP. HELP.

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 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime/XXXX finally sent my funds back to it sender a month ago but it took sixteen months to do so. Finally they sent it but when I called the senders they said " they don't see the funds ''. I called chime/XXXX  and asked them to give me the trace number but they still haven't not provided me with the trace number. My account was closed on XX/XX/2020 and it took them 16 months later to send it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I was paying advance financial in payment agreements that waived the interest. I was originally working with a lady there but she got promoted to a different dept then After that when calling in I was sent always to a different dept called a work out dept. They continued to waive interest but when Covid first hit My income was and still is in ruin. I paid this account down according to my receipt {$700.00} as attached, which was the last payment I had made to advance financial. Advance financial sold this account to a collection agency called XXXX XXXX XXXX for {$1000.00} when I paid it down {$700.00}, they tacked on {$300.00}, this is not right basically they took my money when I could make payments but turned around and sold it at an amount it originally was or added the {$300.00} and some odd dollars back onto balance. This is shady business and not right. I am currently unemployed and can not handle making payments right now due to simply trying to stay afloat. I have tried calling even spoke with manager to make my {$50.00} payments but no one seemed to not know what was agreed upon in waiving interest etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I don't know just XXXX blocks me from all my emails that are linked to my stuff since XXXX and so I can't log into any of my bank, government funding, or really anything that life requires you to log into in order to maintain or correct an issue that has been blocking me from getting my life back together after I retired from 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 2021-10-27 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: GA

Complaint narrative:
As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. XXXX and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. Equifax and XXXX are both reporting a collections account for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
They lost my payments for several months without notifying me and when I found out on my own they blamed me because they say my financial institution took my payment back yet they also stated that I didn't order it or them in any way. They said that I have to continue to make payments even though they couldn't stop losing them. Every payment that I made I would receive a email confirming it and another when it posted to their account but never that it was taken back or not made and said I had to pay the penalties or else. They destroyed my credit rating and even though they stated that I never miss a payment I have to continue to make payments when they can't prove that they have fixed their problem of losing my payments. Contacting them takes days of being put on hold, hung up on, and automated machines that are impossible to make it though. The FBI and the secret service said that they deliberately do this so you can not talk to the fraud division. I will not pay a single fine and they will restore my credit rating a pay my time invested in doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
once again XXXX XXXX  and lvnv are in collusion with each other to collect unlawfull debts while breaking the DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I took out multiple installment loans from affirm XX/XX/2021 using an old phone number. I random XXXX  man spoofed my XXXX XXXX XXXX  number under XXXX  So I couldn't log into my account. I have called and emailed over 10 times. Submitted my ID for verification multiple times, had multiple calls with managers where I confirmed my identity yet my account and credit information was never made safe. I paid all the loans off but my credit information and account is still accessible to the person who took my number because affirm will not update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent a debt validation letter to Portfolio Recovery. I havent received any proof of validation I request them to send me proof of them having rights to any debt and also send me proof of my bear signature stating that they have the rights to own this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They have been breaching of my information tampering with my funds going in and of my account as well as tampering with my personal things and subliminal messages to me thru mail and staff members they proceeded with an investigation on who was altering and messing with my data

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