vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: Westlake Services, LLC
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019, XX/XX/XXXXWESTLAKE FINANC Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: DISCOVER BANK
State: NY

Complaint narrative:
I file a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.

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 2021-02-23 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I was made aware that avant- was showing up on my credit report. However Ive never done business with them. I contacted them only to learn that a account was established using my name social security and other personal information. I contacted them informed them this account was a fraudulent account. I latter learned that the loan amount was {$3100.00} and that XXXX was payed back to them. Ive advised them that it didnt matter cause it wasnt mind and requested proof of verification and identity. To see how the account was established was told it was established online but they cant provide me with the documents I requested. And wouldnt be removing this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I started a refinance for my investment property on XX/XX/2020. The company is Caliber Home Loans in XXXX, Texas. 
They told me the refinance would take XXXX days. 
It has now been almost 5 months!! 
They keep transferring the file to different processors, changing the loan estimate, changing appraisal costs. They request documents, I diligently send them and then they don't file them. Then they change loan processors again and no one has any idea what is happening with the file! 
Then they won't contact me back when I call for an update. 
They are financially holding me XXXX! 
Unwilling to close the refinance loan and unwilling to refund me the costs for the XXXX XXXX and appraisal and cancel the refi. 

Their behavior is unprofessional, unethical. 

DO NOT USE THIS COMPANY FOR HOME FINANCING!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23 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: NV

Complaint narrative:
These are not my accounts. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/2020 I had a balance of {$50.00} in my XXXX account. I was in the process of switching bank accounts due to likely fraud and mistakenly tried to deposit it into the account I had just closed at Chase bank. My account number is XXXX. When contacting the bank to see how I could recover the funds they said that I should contact XXXX. When contacting XXXX they said that I should contact the bank. The {$50.00} is completely missing and I have not received a check in the mail for it being in a closed account from the bank and I do not know how to get it back. Somewhere, the {$50.00} is still out there, but I dont know how to recover it. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
currently I have a XXXX XXXX  mortgage and a HELOC on my house with the same lender. I am doing a refinance on my first mortgage ( XXXX XXXX fixed XXXX and it requires my current lender to sign a subordination agreement with my new lender because the new XXXX XXXX fixed mortgage is with the new lender the current HELOC will stay with the current lender. 

the new lender and us have been waiting for the current lender to respond the the subordination agreement for almost 2 months with no update. The new lender and the title company and I all have tried to call/contact/email them numerous times with no response and update. So I basically run out of options what to do. Hence I submit this complaint hoping this agency can help me to move this process forward so I can complete the refinance process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have written XXXX XXXX XXXX XXXX letters to Comenity Bank regarding their reporting of a fraudulent XXXX XXXX account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX XXXX XXXX XXXX  credit reports. The only communication that I have received from Comenity Bank was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CITIBANK, N.A.
State: KS

Complaint narrative:
I have seen inquiries from companies that I dont know nothing about.

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 2021-02-23 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: CITIBANK, N.A.
State: KS

Complaint narrative:
I have seen inquiries from companies that I dont know nothing about.

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 2021-02-23 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: OneMain Finance Corporation
State: KS

Complaint narrative:
I have seen inquiries from companies that I dont know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: HI

Complaint narrative:
My mortgage loan originated in Hawaii with XXXX XXXX XXXX, a few years ago servicing was sold to another company - Dovenmuehle. My loan was paid off on XX/XX/XXXX. Dovenmuehle retained the balance in my escrow reserve account. Property taxes were due on XX/XX/XXXX. I previously called Dovenmuehle Customer Service ( early XXXX ) to find out if they were going to pay for the property taxes or, if they were going to refund the amount to me. I was told they are refunding the amount and I should receive the check ( {$450.00} ) by XX/XX/XXXX or XX/XX/XXXX. Today is XX/XX/XXXX - no check received. Called Cust Service again today. Said I should receive the check within 12-15 business days. This is unacceptable. They can not even tell me if or when the check was sent. I had to advance the funds for the property taxes so I would not be delinquent. How long can a Servicer hold on to funds due to me after my loan was paid off? They could not even tell me if the check is being mailed to me ( in Hawaii ) from the East or West coast. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX/Wells Fargo can not veriFYI this debt. I have called and sent letters requesting payment history an all relevant information regarding this account and had been ignored. .Yet, they continue to report to the XXXX Crdue Bureau monthly. This debt dies not belong to me. Please remove from my account immediately, as this is impacting my life.

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 2021-02-23 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: MS

Complaint narrative:
XXXX XXXX of 2021, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these XXXX unverified accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
I have written XXXX XXXX XXXX XXXX letters to Kay Jewelers regarding their reporting of a fraudulent Kay Jewelers account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX XXXX XXXX XXXXXXXX credit reports. The only communication that I have received from Kay Jewelers was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Kay Jewelers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a checking account with chase bank, that I opened in.person. my account wasn't overdue, overdrawn and I had no outstanding balance or negative transactions. A few weeks ago I opened a savings account online via the mobile app and deposited XXXX chase money orders that I intended to use for something else bit never did. Chase restricted my account and then closed it citing possible fraud. I went to XXXX different branches and spoke with XXXX different bank managers and they both said that they were not sure why this happened even after I presented proper identification.i feel that chase has economically distimanted against me due to my financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX an international wire transfer started from a bank in the XXXX to my USA bank account for the amount of XXXXGBP approx XXXX USD The money has not arrived in my account in the USA and the banks involved are not providing information on where the money is. 

A trace was placed on the wire transfer on XXXX. Each bank involved claims they have no information The banks involved are CITI bank, XXXX XXXX and XXXX XXXX It is now 10 days and the money is not accounted for. I have all the transaction details and can provide that to you for 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 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
resurgent capital services is the same as lvnv funding I have contacted both of them several times asking them to provide with the written contract that I have with resurgent or lvnv funding that shows i went into agreement with them for whatever it is that they say i owe them for. they have not deliver. these XXXX companies constantly harass me with letters just saying i owe this debt that i do not. i have had identity theft its listed on my credit report and im trying to put my life back together

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This is my second attempt to get 100 % accurate reporting on my credit report from synchrony bank. My credit report is still inaccurate. 

There are a series of mistakes, inaccuracies and data errors on your reporting of my credit report that I have attached. 


I need all of these questions answered. 

SYNCB/AMAZON PLCC and SYNCB/PPC Account # XXXX Account # XXXX - What name is this affiliated with? 
- What address is this affiliated with? 
- What XXXX is this affiliated with? 
- How have you certified for this to be accurate under the FCRA? 
- Please provide proper validation of the debt you say that I owe - Please provide a copy of judgement regarding the debt and evidence that supports the debt ( in writing ) - provide a Copy of the original contract - Please provide a complete accounting statement with interest and fees

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 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
this company continues to contact me and report collections that are not mine die to identity theft which is also listed on my credit report. they have sent 2 more letters stating that the debt that im disputing they do not understand what im disputed. I have sent several correspondence which have been ignored to remove collections and stop reporting to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: MS

Complaint narrative:
XXXX XXXX of 2021, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I have been trying for over a year with SPS to get help on my mortgage with back payments. SPS took over my loan XX/XX/XXXX from XXXX XXXX as I just got a wonderful affordable modification I can afford well in the meantime the loans was transferred and everything was a FIASCO for several months as I called everyday, In XX/XX/XXXX I was laid off due to the COVID-19 Pandemic I CALLED SPS to advise them they put me in a forbearance program I also was asking for help with the back payments I know I have a good low APR of 2 % I was not asking for anything lower just help with getting back on track with my payments to bring my account current and I have been given the run around for a entire year please someone look into my account and phone logs. I was told I had to assume the loan which I knew nothing about, I filled out several papers OVER AND OVER just to be denied everytime. In the State of NJ I was advised the Mortgage companies could NOT ask for all back payments due to the pandemeic which technically was from XX/XX/XXXX until now as of XX/XX/XXXX ' I got a full time job so I definitely can pay my mortgage I am willing to pay a extra {$200.00} with my current mortgage, I was told my account is with a attorney in foreclosure I have done everything and submitted everything SPS has ever asked for to avoid foreclosure and pay my mortgage I can afford my {$1500.00} monthly payment I only need help with the back payments not seeking a lower APR I DON'T WANT TO LOSE my home I have nothing if I lose my home. I lost my husband in XXXX ' as a extra income was taken and I promise I will do all I have to to keep my home and SPS is not willing to work with me for a year now .I was never notified by SPS by law 15 days effective the transfer that was my right, I just want SPS to work with me on my back payments I am willing and can afford my mortgage I am begging for HELP as I have for over a year with SPS and it seems all they want to do is foreclose they haven't tried to work with me I was even told by a supervisor XXXX on XX/XX/XXXX ' to go get a personal loan cause SPS can't help me. I was distraught this is effecting my health, XXXX XXXX XXXX possible XXXX if I can't get my pressure under control due to this stress, PLEASE HELP ME KEEP MY HOME I lost my husband I don't wan to lose my HOME we worked hard to get for 15 years ago. I even got scammed by a company who said they can help me by working with you charging {$1300.00} for 3 months and nothing but a DENIAL FROM SPS I am at the end of my rope for help I am XXXX  what do I tell my son if we lose all we got left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been garnished for student loan payments since XXXX and have paid over 22k to Pioneer Credit RecoveryXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested my payment history due to contacting the Department of Education stating my loans are still in default. The covid-19 emergency student loan payments have been extended until XX/XX/XXXX but I have been garnished again since early XXXX. I haven't been able to get information from them to tell me where my money is going. I want to get out of default and my XXXX has not done that for me. I want the money applied to my student loans. I participated with Pioneer Credit 's rehabilitation program and completed it last XXXX. I have no information on the next steps on my student loans.

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