vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, 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 non-monetary relief
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have an issue that requires your offices attention. Im a premier client and have maintained a 25+ year relationship with Bank of America . I recently refinanced my existing JUMBO home 1st mortgage with Bank of America and also maintain a HELOC with BofA. During the refinancing process ( for the mortgage ) I requested a modest increase to my unused HELOC ( figuring it would be easier to get it all done at once ). I was told by my mortgage banker ( XXXX XXXX XXXX NMLS # XXXX ) that it would be easier to increase the HELOC after we closed the first mortgage. Now I am being told ( post closing of refinancing ) that an increase to my HELOC would require an exception that BofA can not accommodate. This would have been helpful information to know prior to closing and paying nearly {$50000.00} of closing and refinancing costs. I find it unconscionable that after working with Bank of America in good faith and incurring massive costs that I now find myself forced to seek out an alternative HELOC AFTER Bank of America effectively locked me into a mortgage refinancing at a significant UPFRONT cost to me. I was clearly mislead. My refinancing business was sought after by several competing institutions but I decided to stay with BofA given the long relationship. 

Again, my HELOC request was raised during the 1st mortgage home refinancing process and I was told we will handle it after the mortgage is closed. At no time was I made aware there may be the need for exceptions.

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 2021-02-05 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: MI

Complaint narrative:
Creditor has corrected their records and notified me that I do not owe the balance showing for XXXX and that they would notify credit agencies to correct this fraud. That has not been done with the credit reporting agencies. I have been able to contact XXXX  and XXXX  and am in the process of amicably resolving this issue. I have not been able to contact Experian and am therefore seeking help with the CFPB. 
In XXXX of 2019, {$1100.00} in charges not made by me were assigned to my XXXX account, # XXXX. I immediately notified XXXX and after an investigation I received a letter advising that they felt I had not made these chargesand they would correct my account and notify credit agencies. I wish to submit documentation to Experian so they will XXXX  and close this acoount. I will send the orignal statement showing the charges and the account no. to which they were assigned, the letter from XXXX stating that I am not responsible ( this letter has an incorrect designation of the acoount number which in our conversation XXXX assured me they had corrected ). 

I tried calling Experian but their voice menu did not fit the problem and when I tried options available and tried to speak to a representative I could not get thru. They only tried to direct me to a web site which i couldn't open.

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 2021-02-05 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: CA

Complaint narrative:
EXPERIAN AND XXXX  are both reporting publishing and disseminating false and misleading and damaging information about me. 
XXXX XXXX, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX  XXXX  committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by 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 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: AL

Complaint narrative:
Between XXXX XXXX of 2020, I started achargebackagainst  a website for a scam that one of their users made. After I started thechargebackwith my bank, I received an email from XXXX that they published my identity with a driver 's license, home address, and telephone number online for starting thechargeback. 



After that, they refused to pay back my money and my bank closed thechargeback. They werent even charged for the amount of {$410.00}, that was the charge I was disputing. 



In retaliation what they did was send this past due charge toKLSFINANCIAL SERVICES without validating the information and without legal proper documentation. 



KLSwithout verification they started calling me and sending me letters collecting {$580.00} from this website XXXX.XXXX, even when thechargebackwas closed, andthey didnt pay for it. 



I called this company explaining what happened, and they did nothing toconfirmand stop the debt collection. 



They are threatening to send this illegal and fake debt to my credit report if I refuse to pay.

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 2021-02-05 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 — Problem with personal statement of dispute
Company: Consumer Adjustment Company Incorporated
State: MS

Complaint narrative:
XX/XX/2019. I was turned over to consumers adjustment co.and the company that turned me over was XXXX.. which I have no idea who they are and I already talk to XXXX the owner of it and he said I don't owe nothing that I am not even in database ... I have all text and email from this man that states he don't know how this happened. Also I talknto consumers adjustments he couldn't give me any info I asked on me .. you may look into this situation as 2 company 's could be working together.. This has been on my credit since XX/XX/19 and has hurt me on borrowing money as well as getting loans. I will reach out to myXX/XX/XXXX as well. This is a crime and felony and strip me of all my rights and hard work. Someone needs to be held responsible and compensate me as well as bringing my credit score up. I am trying to get my credit right to buy a home .if you need the text and emails from XXXX XXXXXXXX I have them. Thanks please help me!! Scam.. scam ..scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
this debt was in my business name it was not a consumer debt. But they put it on my consumer credit report. I was told that once collection was paid they would delete it. They lied. Under 15 USC 1692 FDCPA it is illegal for a debt collector to lie to a consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XXXX/XXXX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-02-05 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery associates, LLC just won a lawsuit for {$8900.00} XXXX XXXX XXXX 2021 ) against me to continue to attempt to collect from an old credit card bill. I now am orders by a judge to complete form XXXX XXXX fact information sheet ) this sheet asks for car titles, account numbers, deeds etc ... so Im assuming they are going to physically start taking what little I have left in the middle of a world wide pandemic. We are a family of XXXX XXXX XXXX children XXXX. This organization ( CFPB ) says its protects consumers from unfair and abusive tactics. Cause that is exactly how I feel. I dont recall my second court date and I think I missed a court date based on what my current court documents says. I did not have legal representation and was in way over my head on the first court date when I agreed to a settlement. I feel it is both unfair and abusive that these people continue to use legal measures to collect from my family that is currently on unemployment and food stamps and already on a payment plan from our current electric company when we were over {$1000.00} behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Online wired {$50000.00} through Chase Bank to XXXX XXXX for investment in real estate. May have put down contact person, XXXX XXXX on the payee section instead of the memo section. Received message that needs to provide DOB for XXXX XXXX and transaction under OFAC investigation. Replied and attached escrow instruction to clarify payee to be XXXX XXXX and not XXXX XXXX. Provided phone number. Have been receiving the same automated message no matter why I sent them. Chase 's XXXX XXXX phone number provided in their message does not allow leaving messages nor connecting to any department or person. Called local branch Chase and they are not able to release the hold on the {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
Midland Credit Management sent me a letter stating that they have tried to contact me about an alleged debt owed and that I would be sued, this was on XX/XX/2020. I have never received any phone calls or letters from this company prior to this threat being sent to me threw the mail. Mail fraud is real, and this company has committed mail fraud. I sent them a letter asking for validation of alleged debt ( signed contract ) but they failed to do so. I am working with the credit bureaus to get this taken off my credit file as their tactics are hurting my reputation per 15 USC 1692d ( 1 ). I have not been able to obtain a job because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TX

Complaint narrative:
There are 3 accounts on my credit that were included in an identity theft concern ; I have disputed these account with the bureaus since XX/XX/2020 and have included the police report as well as the FTC Identity Theft form - I didn't receive any response from the bureaus! I filed the dispute, AGAIN, on XX/XX/2020, again with the reports from the police and FTC, but yet again no response or communications from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been a year since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: FL

Complaint narrative:
SYNCB/SAMS CLUB XXXX*****XXXX  Date Opened XX/XX/18 Balance {$220.00} I am just concerned about the legality and reliability of your present analysis together with the delayed payments pertaining to this account and exactly how it is reporting on my credit report. Around 45 days ago I called for an examination since I felt the item seriously isn't being stated most recently. To my surprise, I have been given a notice stating that your evaluation was completed and that the item had been " established as legitimate. Below Section 1681 ( g ) I highly recommend you produce me with a detailed description of the method used to examine that this particular account is " reliable '' and forward me the name and addresses of persons phoned per laws perfectly located at the FCRA.

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 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: MD

Complaint narrative:
I have been contacting Supreme Lending to receive my loan estimate but they have not obliged this request and are now actively avoiding my calls. I originally applied with Supreme Lending in XX/XX/XXXX of XXXX and to this day, XX/XX/XXXX, I have not received a loan estimate. I have submitted all requested documents, but was lied to and told that I can not get a loan estimate until I committed to have them the lender for my loan. I have a hard inquiry on my credit due to Supreme Lending forming my application, so without at least an estimate this would be for nothing. Federal regulation stipulates that " Consumer must receive the loan estimate within three days of receiving : The applicant 's name, SSN, applicant 's income, the property address, and the loan amount. All lenders are required to use the same standard Loan Estimate form ''. I was repeatedly lied to and told that I needed a ratified contract in order to get the loan estimate and once supplied I was told that I need to select them as my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.

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 2021-02-05 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: WI

Complaint narrative:
Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.

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 2021-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Newrez LLC under Shellpoint mortgage incorrectly deducted my escrow account with an inflated city tax payment of {$2400.00} on XX/XX/XXXX. This tax was public record and due for the amount of {$570.00}. This deduction was never paid to any tax office, this check was never returned. I called in on XX/XX/XXXX and was assured everything was normal and denied there was a negative escrow balance even though I had received a letter stating a shortage of approximately {$700.00}. I had filed a complaint of error in XX/XX/XXXX and nothing has been resolved as of XX/XX/XXXX with several calls that promised escalation due to the fact I am selling this home on XX/XX/XXXX. No one at XXXX has answers as to what they have done to my money. This is a complete mishandling of funds and needs litigation.

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 2021-02-05 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I received my credit report from ChexSystems and found errors due to identity theft. The following inquires are due to identity theft and were not authorized by me : XXXXXXXX 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 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 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 I have attached a copy of the letter I received from XXXX XXXX XXXX XXXX saying that on XX/XX/XXXX the credit union instructed ChexSystems to remove the inquiries however as of today, XX/XX/XXXX the inquiries are still showing. The only address that should be on my ChexSystems report is : XXXX XXXX XXXX XXXX. XXXX, TN XXXX. I have attached a copy of my photo ID for address verification.

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