vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 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: MS

Complaint narrative:
Numerous calls to all 3 bureaus for help with 2 XXXX accounts. Have credit monitoring with all 3 bureaus showing no late payments and exceptional payment history but they refuse to update to actual credit reports.. have at least 20+ calls to bureaus where Im told dispute over and over again, purchase their credit monitoring to get latest info and use the phone app. Have reports from credit monitoring on all bureaus but still not reporting to credit reports. Called Experian and XXXX today.. same as usual.. transfer from department to department.. no help, told to use app and dispute but nevernever give me to the credit monitoring department if there even is such a department.. this is a scam to get consumers money.. then they dont update credit results and consumer pays month after month with no change and certainly no help.. they refuse and I literally mean refuse to correct XXXX information.. I was put on hold over 45 minutes numerous times just so Id get tired and finally hang up.. I got my first report in the mail on XX/XX/21 after filing a complaint against them. Over 80 changes and comments made, even told reports on the way and never received one after all these months till 3 days ago. The next day 57 late payments from bank accounts that I personally know was sent months ago was all removed XX/XX/21 the day after I received letters from XXXX  and Experian showing no changes noted. I have yet to receive a report from XXXX. So Im now filing a complaint for my 2 XXXX accounts which have also been updated numerous times without changes to credit reports. I did in fact use the app and the credit monitoring for the latest updated information today as I do almost every day and it shows no late payments. I was curious so I had my banker pull the reports and I was correct.. they all still show late.. so the phone app is just another incorrect misrepresentation. Also have reports today from XXXX showing no late payments-19 pages. They verified they have reported over and over again I have no changes. They just take the money I pay monthly from desperate consumers like myself trying to fix errors that is ruining their lives.. they have been sued by many states for their misrepresentation including my personal attorney general himself when he couldnt get information updated but they continue the same practices every single 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 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority. Please remove.

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 2021-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I got this loan in XXXX they are threatening me and saying if I dont pay {$700.00} by the end of the month they will take me to court. It has been way over 7 years it was a pay day loan and it is no longer on my credit, can they take me to court. I know if I agree to pay them it will open the account back up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: TX

Complaint narrative:
My neighbors and I have received letters from a company called JFQ Lending, and feel they are totally mislieading consumers. To be clear, I have not done business with this company before and have a mortgage with another lender, but I do get these letters from JFQ Lending. Their letters come in unmarked envolovopes and they appear to be from my lender and/or XXXX. I will not type anything else, but below is a brief layout of letter ( leaving out specifics ). I really hope this letter is stopped so JFQ Lending does not deceive others : UNDERSTANDING XXXX  ENHANCEMENTS Dear <Customer Name> *Your Economic Benefits* Your current loan with <My Current Mortgage Lender> has been identified as benefiting from the aggressive enhancements made to XXXX XXXX eligibility . These changes will generate economic benefit to those like you, who have a conventional mortgage. 

Some benefits could include a cash disbursement of $ X, XXX.XX, a shortened payment term, or lower mortgage payment. 

*What you Need to Do* To get the necessary information call our office at XXXX before XX/XX/2021. Please have notice number XXXXXXX ready when calling our Enhancement Help Desk to discuss your new loan informaiton. 

Note : Due to the number of homeowners positively affected by these changes, call volume may be high. To help expedite the process please have your notice number available when calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I believe that I am owed a significant refund from Freedom Mortgage. I have called and email multiple times with no solution to my problem. I have attached copies of my closing costs, taxes from XXXX, XXXX insurance rate, and other misc. Documents that I believe will be helpful in rectifying the escrow errors. 

Please note that I reached out several times in XXXX and once in XXXX to clear up issues with my taxes, as well as multiple phone calls. XXXX XXXX who did my closing also reached out twice and she never heard back ANYTHING either. I had to do a lot of research, calls, and collecting information to figure out some of the issues on my own since I wasnt receiving the information from Freedom Mortgage. 

If you have any questions or need anything further please contact me at XXXX or XXXX. 

I need to get this cleared up asap so I would think 30-45 days from the date of this letter should be sufficient. Please note that since I have had this continued issue without anyone from your company apologizing or correcting the errors I will also be reaching out to a government agency to let them know of the problems with your company as well. I did try reaching out to XXXX  but still never heard a thing with my complaint with that avenue either.

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 2021-07-20 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: VA

Complaint narrative:
It has been over 60 days since i submitted a dispute the with no response. I submitted a letter on XX/XX/2021. I do not know if im being ignored or what. I feel as though i am being taken advantage of. I demand these accounts be removed immediately. I refuse to wait another 45 days for a response.

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 2021-07-20 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: CA

Complaint narrative:
After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.

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 2021-07-20 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:
After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.

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 2021-07-20 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: TN

Complaint narrative:
Hi this collection company called me during a covered pandemic hardship that my son and I were facing as me being a XXXX XXXX raising him alone and it seem to be a problem with insurance company not processing their in of the payment to the hospital but I also explain to them that we were going through this and then today they decided to go ahead and report this to the credit bureaus when they know that were going through a pandemic crisis theyve been informed by phone when they called me and the situation that were facing as I have notified all of the other companies that we have accounts with as well including all of our credit cards and all of our loan company and the loan companies all of which I have unemployment insurance with that still have not reported that properly to the bureaus all the way because they were notified on XX/XX/XXXX at the start of this situation and there should be reporting no late payments or miss payments. As I got all of them three loan companies the proper and appropriate paperwork right away as of XX/XX/XXXX of 2021.

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 2021-07-20 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:
ACCOUNT REPORTING TO MY CREDIT REPORT DOESNT BELONG TO ME FOR VERY LOANG TIME I WAS GETTING DENIED FOR CREDIT WAS NOT SURE WHAT WAS GOING ON UNTIL RECENTLY I REVIEW MY REPORT TO FIND NUMBERS OF UNKNOWN DEBT I HAD NO KNOWLEDGE OF AND I AM WORKING TO FIX IT ALL

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 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
In the past, I was told that overdraft fees would be waived if I was unemployed due to COVID-19, which I currently still am. I received several {$38.00} overdraft fees on my primary checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX and XX/XX/XXXX. I also received one {$28.00} fee on XX/XX/XXXX. After asking that these be waived, as was previously the case, the agent stated that COVID-19 related refunds were no longer being honoured but I did not realise this, and one of the above overdrafts were refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2021 I forwarded by fax a Declaration of Unauthorized Endorsement or Altered Item to Chase for a {$600.00} check ( check number XXXX XXXX that was stolen and cashed by XXXX  XXXX XXXX without any endorsement. I followed up with a call on XX/XX/2021 and was advised that the claim could take 90 days, but after 90 days, the funds would be credited to my account. I submitted a follow up email through the Chase online website on XX/XX/2021, but was told I had to call for more info. I called Chase today as it has been over 100 days and Chase has still not resolved the issue and credited my checking account for the {$600.00}. Now I am being told that XXXX  XXXX XXXX, who cashed the stolen check has to recover the funds before I am credited the funds back. This check had no endorsement on the back of it and was made out to my church. I feel that Chase bank is taking advantage of me because I am XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: AL

Complaint narrative:
Fraudulent inquiries

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 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority. Please remove.

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 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
On XX/XX/2021 I spoke to someone at receivables performance management. I asked for proof of debt and have not received it. I also forwarded emails from XXXX ( the account in collections ) stating the amount owed was taken care of. This company continues to call from various numbers and send collection bills for an account that was already paid directly with 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 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
Santander Consumer USA was paid in full and they agreed to remove this debt from my credit report however it is still listed on there. I NEED THIS REMOVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: AR

Complaint narrative:
Hasted financial services has been harassing me by continuing to send mail saying I owe them a debt I told them it was fraud and that I do not owe them anything .I continue to ignore them after explaining the situation I am asking that they pull or produce the original bill and they will see that I do not owe them any money I am sick of the harassing letters they are depressing me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Loancare put us in a forbearance and promised us we would be able to do a modification when the period ended but know the story has changed and whats a full payment.. they are saying no to a modification while for months promised we could????? Please Help this company is very bad Im sure Im not the only one if you can do anything my family and I would be greatly appreciate.. we are all ready to resume payments we are both back to work now that virus is better now.. this is not what we were told all along.. its a shame

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 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: GA

Complaint narrative:
Me and my attorneys have contacted Novad Consulting for a copy of my payoff statement since XX/XX/XXXX. It is now XX/XX/XXXX. I have had the case escalated by multiple managers and they continuously tell me to wait. Two months later my buyers are about to drop out of my home purchase because we cant provide a statement to close. Extremely unprofessional and Im disgusted by the way Im treated when I call! I need my statement! They always say they cant do anything! They need to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: VA

Complaint narrative:
It has been over 60 days since i submitted a dispute the with no response. I submitted a letter on XX/XX/2021. I do not know if im being ignored or what. I feel as though i am being taken advantage of. I demand these accounts be removed immediately. I refuse to wait another 45 days for a response.

Company response to consumer: Closed with explanation