vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
on XX/XX/XXXX a judgment was filed by XXXX XXXX XXXX XXXX XXXXUS COLLECTIONS WEST for {$1200.00}. On XX/XX/XXXX, I contacted US COLLECTIONS WEST to pay this judgment from my Eviction Action Hearing. I was treated with hostile and threatening language by XXXX XXXX and XXXX XXXX XXXX. I paid {$1600.00} to US COLLECTIONS WEST on On XX/XX/XXXX, and requested a copy of my receipt from XXXX XXXX he refused to provide me with the proof that the debt from my judgment I owed XXXX XXXX XXXX XXXX XXXX was satisfied in full. And now US COLLECTIONS WEST have also added a different collection account having XXXX XXXXXXXX XXXX XXXX XXXX as the original creditor for {$690.00} to my XXXX credit report. I make and receive calls to and from XXXX and XXXX The first call I made to them was at XXXX XXXX on XX/XX/XXXX below there are other calls to and from them on XX/XX/XXXX. I also spoke with XXXX XXXX the VP two times that day. around XXXX and then again around XXXXXXXX XXXX and XXXX XXXX on that same day.

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 2022-01-26 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Trying to get late payment report from XXXX and XX/XX/2021 to be removed from Planet Home Lending. From XXXX until XXXX our family came down with XXXX. My husband and I was hit very hard with XXXX and was in the XXXX room. When we were feeling better we called to make a payment on the mortgage and the first time we called to make the payment, they took it over the phone and the payment was never processed. So a couple of weeks later we called back again and took another payment and actually processed the payment. We were not aware at that point that they offered help with COVID issues cause we were never told and also our mortgage was being sold to another company. Another week went by and the payment was still not processed. We were told that they no longer had our mortgage that it was transferred to XXXX. When it finally got to XXXX in XX/XX/2021, we had to make 3 months payments. We are trying to refinance our home but it is showing late payments. We tried to explain this all to them and they said that there is nothing that they can do cause the payment were late. We told them what had happened and sill nothing. They are saying that they tried reaching out to us but never got an answer but dont show us calling in. It is not our fault that they wouldnt process our payments. We tried and it never went through. We cant refinance as long as they are showing, we need you help. When the loan was transferred to the new mortgage company they had no issues with processing our payments and never issued a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
eos cca XXXX XXXX XXXX XXXX, ma XXXX XXXX this company i already paid off but still on showing balance account number XXXX creditor name XXXX century link

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I contacted XXXX regarding an issue I was having with a refund but unbeknownst to me was connected to a fraudulent call center. They asked me to open Zelle on my bank account and enter some code numbers to confirm my account for the needed refund. At the time I did not know what Zelle was or what it does and was defrauded out of {$3500.00}. 

When I contacted my bank ( XXXX XXXX XXXXXXXX ) more than once on the same issue, I was told there was nothing they could do and the charges could not be reversed. Trying to contact Zelle directly is impossible, as they just refer you back to your bank. 

I filed a police report with city of XXXX XXXX XXXX report number XXXX on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
Someone from XXXX bank called our house looking for my husband and said they sent court summons to attempt to collect a debt and did not. We do not know about any XXXX debt or line of credit. They threatened to attach my wages being his current wife. No attempt to reach us has happened and they said it was a debt from 2001 They wanted me to settle over the phone for 9800.00. giving me a case number of XXXX. My husband has no knowledge of this debt unless his ex wife took it out. The phone number was a dispatch dept. 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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
After speaking with continental finance about my issues I am having I have received several calls of harassment within minutes of each other. I called back the number showing in my caller id and confirmed who was calling... ..the cards is surge. And I have gotten usually 25 calls within 2 minutes two or three times a day everyday .the number calling me shows as a local number 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 2022-01-26 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

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 non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have an old Cash App account that Cash is not allowing me to gain access to because I no longer have the debit card linked to the account that was created about 8 years ago. I have access to the email used to create the account and other personally identifying documentation, but they are withholding any access and funds to the account and claim that there is no way for me to access my {$560.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
We have been on forbearance for 18 months under the Federal Covid-19 guidelines. We were offered a loan modification at the end XX/XX/XXXX. At that time my wife and I both were stricken with XXXX for over 1 month. We were contacted by LoanCare about the modification in XXXX which I explained that we both were stricken with XXXX. The modification was instituted by another company XXXX. We eventually were able to get the modification notarized, and sent back to XXXX via XXXX at the second week of XX/XX/XXXX. We have yet to receive any further communication from XXXX or LoanCare about the modification, and or a Statement. That said, I received a call from LoanCare on XX/XX/XXXX at XXXX pm est, and spoke to their representative who was pleasant however, she said that if I dont make a XXXX payment, they would turn it into the credit reporting agency as well as a late charge for non-payment. This is ludicrous at best, and I am prepared to sue LoanCare and XXXX for a lack of communication in this process, and providing us with a monthly statement for payment. This whole Covid-19 debacle has ruined most small businesses such as mine, and I expect the Federal and State Government to intervene in this matter, that was created by them. The person I spoke with at LoanCare on XX/XX/XXXX at XXXX Est placed me on hold for over an HOUR and believe it or not, I sat on hold that long. This is the kind of service their organization offers, and its been well displayed on all their reviews. Now this mortgage is an XXXX XXXX, and I will be contacting them as well over the XXXX challenges, and the very lack of customer service of this servicing agent LOANCARE. We are at our ends wits with whats happening with the Covid epidemic, and to have to deal with lousy service from both LOANCARE & XXXX the biggest shell game in America!

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 2022-01-26 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute via XXXX to Transunion about inaccurate information being reported on my credit by a collections agency. The investigation was supposed to be completed by XX/XX/XXXX. As of XX/XX/XXXX it still reflects as in review and incomplete - hence this account should be removed from my report. 

I called Transunion on XX/XX/XXXX and I had to speak to 2 supervisors and 3 staff members in order for them to delete a new dispute that they submitted instead of handling the old dispute as I requested. According to their staff, they were not able to send me a report of the investigation as it is supposedly not in their system for them to mail or email me. The last person I spoke to after 45 minutes informed me that he deleted the new dispute submitted by his coworker, and closed the initial XXXX XXXX dispute as it's been more than 30 days ; he agreed to mail me a copy of my updated credit report reflecting the closed collections account, and the collections agency should be deleted from my report after 30 days. If this does not happen, I will be calling again in XXXX to speak to another supervisor.

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 non-monetary relief
Consumer complaint received 2022-01-26 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: AL

Complaint narrative:
Ive been trying since XX/XX/2018 to have information verified for bankruptcies listed on my credit report. The bankruptcies arent showing the accurate information and is missing information as well. Ive been place into the Speciality Dept and have been speaking with XXXX XXXX previously. Today I spoke with a rep named XXXX in which she called the XXXX bankruptcy line by my request and it listed the information. She stated if it was incorrect she wouldnt delete it she would update it to reflect the correct and missing information. After the call she stated the information was accurate even after listening and she also refused to further investigate to get the missing information. I even suggested she contact the attorney for the correct information and he words were Im not going to argue with you. These accounts arent being fully investigated. According to the CFPB guidelines no inaccurate information should remain.

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 2022-01-26 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:
The following closed accounts placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative accounts on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following closed accounts placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative accounts on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/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 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i just recieved my credir report and noticed unauthorized inquiries that shouldnt be listed within my Experian 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 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
Someone from XXXX bank called our house looking for my husband and said they sent court summons to attempt to collect a debt and did not. We do not know about any XXXX debt or line of credit. They threatened to attach my wages being his current wife. No attempt to reach us has happened and they said it was a debt from 2001 They wanted me to settle over the phone for XXXX giving me a case number of XXXX. My husband has no knowledge of this debt unless his ex wife took it out. The phone number was a dispatch dept. 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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged {$510.00} for something called XXXX XXXX. This is not a service I am familiar with, nor my wife. As this was a foreign charge I immediately refuted the charge with Citibank ( my credit card provider ) was was issued a new card. On XX/XX/XXXX I received a letter from Citi Bank, who reports that they ran their own " investigation '' and found that the charge was legitimate and I was responsible for the {$510.00}. The paperwork included with the letter included the address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Florida XXXX. CitiBank concludes that I am responsible bases on XXXX verifying my credit card number, zip code and XXXX digit security code. Doing a quick internet search on XXXX XXXX and XXXX I see hundreds of complaints about this scam. I expect to be remedied.

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 2022-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
See complaint XXXX. Mortgage bank agreed of removing the insufficient fund charge, a day after refinancing but, included the insufficient fund fee in the mortgage pay off. After calling customer service XXXX of XXXX about the discrepancy I received a verbal reply that the fee will not be refunded to me by management decision.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
When we got the telephone service through XXXX XXXXXXXX we were told we had service where we lived. Phones only worked on certain roads did not work at house. Was told that a tower was going up after complaints so we would keep. No tower was installed and still phones not working. Was told to bring phones back which we did and the person that took phones told us that we should have never been told that the service would be ok. I was told that the balance would be taken off since we were told a lie regarding service and connection. I have not spoken to anyone since XXXX when phones returned and told would take care of balance. Now they are saying updated XXXX which is wrong.

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 2022-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
In XXXX I purchased a XXXX XXXX from Exter finance and received the title. I took that title and traded it in on my current car which is a XXXX XXXX XXXX XXXX. The dealership where i got my XXXX took the title and gave me credit for my car because I had owned it now years later Exeter finance is trying to say I still owe thousands of dollars for this car that has been traded in and payed for. Ive tried to contact them multiple times and explain to them that the car was paid off and the title was received they keep telling me that it was a mistake that I received my title and that I still owe a balance which is not true. I told him that I was going to dispute it through the credit agency and they told me to go ahead that it would remain on my credit for seven years. Their destructive behavior and destructive attitude is continuously bringing harm to my credit report my credit worthiness and opportunities. Please remove help me in dealing with this matter. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
I settled with a debt collector regarding a medical debt totaling {$1800.00}. We agreed I would pay {$1200.00} which I did on XX/XX/2020. The debt collector was Central Portfolio Control and the gentleman offering the settlement was named XXXX XXXX, phone number XXXX. 
I recently rec 'd a letter from a different debt collector, XXXX XXXX XXXX, stating I owe the difference of {$540.00}. I do not. I've attempted to contact XXXX by phone and no one answers, I tried chat.. no one answers. I've called the original creditor XXXX XXXX XXXX XXXX, who can see that a debt settlement was reached in 2020, but would not help any further with the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
Made a loan through XXXX XXXX to have solar panels installed on my home. Mosaic has already paid XXXX XXXX although I reported to them that they had not completed the contract!!! Their contracted company, XXXX XXXXr has already violated my contract by not having my solar system installed and with permission to operate within 90 days. Numerous Failures by XXXX XXXX wiring issues Faulty panels, solar system not installed to contracted plans, documents and designs XXXX commissioning failures and I am out of {$20000.00} due to Mosaic paying company BEFORE CONTRACT WAS COMPLETED!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX my debit card was stolen and all my savings of {$600.00} was withdrawn from an ATM at XXXX PST time I woke up in the morning and saw that my balance was low {$19.00} dollars so I immediately called the chime bank and told them that my debit information my card was used unauthorized in the amount of {$600.00} plus fees. I sumbitted a claim, it was investigated by them and then denied closed in less than 24 hours. I called again and spoke to manager she reopened the case however they took 1 week and denied and closed case.

Company response to consumer: Closed with explanation