vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit report shows inaccurate information. An account on my credit report has been re-aged ( XXXX   XXXX XXXX ) which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than thirty ( 30 ) days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to  me. In addition of being re-aged the XXXX  XXXX XXXX account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: IN

Complaint narrative:
On XXXX there were 2 transactions that are not mine for XXXX in the amount of XXXX and XXXX some how someone hacked my XXXX account and used this card an our bank card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
I was sent to them my letter about that this debit card of United Bank was made transaction like secure. And i was provide to them my bank statment from another bank. So, i recieve ther letter that they think it was like a fraud transaction! Not a other mean purchase. OMG, bank close please

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I used Bank of America 's billpay service to pay a {$3000.00} bill. They mailed the check to the recipient, and it was deposited on XX/XX/2020. 

Apparently the check was intercepted and deposited to someone else 's account. Because we have the canceled check, we have full information about the fraudulent depositor. 

I filed a complaint on XX/XX/2020 but there has been no activity and no resolution. It is now three months later and nothing has happened. We are out the {$3000.00}. 

There is no reason this can not be resolved immediately ; we have the depositor 's information, it should be a simple matter to contact the depositor 's bank and cancel the check.

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 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
First Financial Asset Management This company continues to call me up to XXXX or XXXX daily and hangs up when I answer. On the off chance someone is on the other end, they ask for my SSN with no context. This company needs to contact me via mail moving forward as their attempts are borderline harassment at this point. This debt has not even been verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover offered a balance transfer with zero percent financing for 18 mos. I applied and was approved on XX/XX/2020, received email verification. Prior to receiving an actual card with terms and agreement Discover open an account, processed the balance transfer. I attempted to make an immediate payment but was blocked by Discover and told an account number was required to open an online account, I can only obtain account number from the actual card which I had not received. Discover claimed the card was sent regular mail with a tracking number and their package did not require a signature. I informed Discover I did not receive card and tracking is showing mail was being held at the Post Office. Discover refused to contact post office to see what was going on, and/or issue new card told me to wait. Thirty ( 30 ) days later I still do not have the card, Discover is refusing to set-up an online account on my behalf and had not resolved this  issue with full knowledge a payment is now due. Discover is engaging in an deceptive business practices to generate late payment fees and interest. I want CFPB to enact or enforce laws to prevent this type of blanant deceptive business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I informed Chase about two fraudulent withdrawals from my checking account, one on XX/XX/XXXX in the amount of {$220.00} plus a {$2.00} withdrawal fee, and another on XX/XX/XXXX in the amount of {$140.00} plus a {$2.00} withdrawal fee. I never withdrew these funds, and have never visited these ATMs ( in fact, I have not pulled money from an ATM at ALL since XXXX ). One of the ATMs is located in Colorado, a state I have NEVER set foot in. Without asking me for any evidence, Chase denied my claim. I then contacted Chase to explain to them that I could furnish additional evidence, such as evidence of my whereabouts during the transfers, and that I was willing to file a police report. The woman I spoke with told me that was not necessary, because based on my past use of my debit card and other factors, Chase would approve my claim & refund my money. Instead, a couple days later, Chase again denied my claim without explanation. I do not believe Chase has actually investigated the fraud on my card. I work for a XXXX XXXX and, during both transfers, was in a XXXX XXXX working ( this can be verified upon request ). Chase has done nothing to obtain actual evidence about this fraudulent use of my checking account, despite fraudulently promising to do so. In addition, Chase fraudulently represented that I did not need to provide additional evidence because my claim would be approved ( Chase records telephone conversations, so the representative 's comments should be easily accessible. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
At the beginning of the pandemic, I have tried to speak to XXXXhellpoint Servicing Company, who are the servicers of my loan. I had initially requested a forbearance in XXXX which they had granted for 3 months easily. Then in XXXX I submitted a request for extension via their website portal. I had not received any response and in XXXX my account was past due. I called several times and finally spoke to someone that told me that the extension could not be processed because they were missing documents from me. I was not aware that I had to submit any documents, other than attesting my hardship which I did when submitting the request. On XX/XX/XXXX, I sent the documents. With no reply I kept sending them via fax and email. On XX/XX/XXXX, I finally received a response that the letter is not accepted due to it not having a signature. At this point the account is 2 months past due. I submitted it promptly and I received an email on XX/XX/XXXX, stating that there have been " several attempts '' to contact me, which is untrue. Finally on XX/XX/XXXX, I see in the web portal that the forbearance extension is processed but now the due date is 9 days away. I request for an extension for until XXXX at least. Through much back and forth, I was notified on XX/XX/XXXX, my extension was granted at the maximum that they allow, which is 6 months from XXXX. That means my account is now due again. I have tried to contact them regarding extending it further but there has been no response. Still to this date, XX/XX/XXXX, I have received no response, even though I have made several attempts to contact them. 

I have been continuously trying to contact them and it is a very arduous process to have anything accomplished. They finally extended my forbearance for a month, but it took them a month to do so and now my payments are due again. 

Their business practices are very frustrating as it is difficult to get anything accomplished within a sensible time frame. They consistently say that there has been " several attempts '' to contact me but that is untrue. I have been patient but with the forbearance payments past due I am forced to take action as it seems my efforts have been in vain. I know that the loan is not federally backed so it is not protected under CARES act, but I still would like to have a response in a timely manner so I can figure out what to do without having to worry about losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Nelnet, Inc.
State: CA

Complaint narrative:
DEPT OF ED/NELNET- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. XXXX and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2019 Amount {$950.00} Company XXXX XXXX  XXXX Account number XXXX Asked this company to remove this off my report since this is not 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 2020-10-15 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: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
I completed a refinance loan with Network Capital Funding ( NCF ) located in XXXX, CA and signed the closing documents on or about XXXX XXXX, 2020. When the deeds were filed, I discovered on or about XXXX XXXX, 2020, after I received my recorded copies of the deeds that one of the deeds had an attachment that included my Social security number which is now public records. I dealt with XXXX XXXX, the loan processor ; XXXX XXXX, the sales agent ; XXXX XXXX, the Sr. loan processor ; and more recently XXXX XXXX with XXXX XXXX ( who NCF assigned to process the paperwork ) in an attempt to get my personal info removed from the public records. They all seem to agree that the document which contains my personal info should not have been filed. I'm totally stressed out about this mishap as I could be seriously harmed by identity theft or some other nefarious circumstance. I strongly feel that the response I've gotten from both Network Capital and XXXX XXXX has been extremely lacking given the these circumstances.

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