vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
This IS NOT DUPLICATE. XXXX BANK NEVER SENDS CHEVCK FOR {$470.00}. EVERY TIMR I CALL PLAYED WITH-SAME PERSON CHANGES NAMES FROM XXXX TO XXXX, ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TX

Complaint narrative:
I am a victim of Identity theft. There are fraudulent accounts on my credit report that are not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I also have a NOTARIZED letter stating it is me that submitted everything to the XXXX reporting agencies. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting an erroneous late on my credit file. This late is for XX/XX/19. I have never missed a payment with Capital One. I do not recall receiving a call, notice, or letter about this delinquency. I have had an account with Capital One for a really long and have never been late other than this late notation and I'm sure i made this payment on time. I am asking that you remove this erroneous late remark. I truly don't think i was late, this may have been a system issue on the banks end. It is affecting my chances of obtaining financing and need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a mortgage payment to XXXX XXXX ( {$1900.00} ) through Wells Fargo XXXXXXXX XXXX. The check was deposited on XX/XX/XXXX. XXXX XXXX says it is not them who received and deposited the check. On the back of the check it says " XXXX, XXXX '' is the company who deposited the check. Since XXXX XXXX did not actually get the check, my mortgage payment was late and remained that way for a few months ( which has negatively affected my credit ). I called Wells Fargo and they stated, " There is no way we would allow another company to deposit a check that was not meant for them. '' After many, many more phone calls, and XXXX XXXX investigating and determining they did not receive the payment, I contacted Wells Fargo again. They investigated and said that someone deposited the check ... .duh ... They then proceeded to tell they would send me an Affidavit that I needed to sign and I needed to have XXXX XXXX sign affirming that they did not receive the check. I never received anything in the mail. After 3-4 times of me calling Wells Fargo to say I never received an Affidavit, I finally got one in the mail on XX/XX/XXXX. I took it to XXXX XXXX on XX/XX/XXXX, got it signed and notarized and mailed it back to Wells Fargo on XX/XX/XXXX. When I called to see if they had received it, they said they got it on XX/XX/XXXX. I called to follow up today, XX/XX/XXXX and they are " still working on it. '' I have had it and want my {$1900.00} returned to me. I have since paid my mortgage payment so I am no longer delinquent. Wells Fargo said at this point when they finish their investigation, they will refund me directly.

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 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I currently have a loan with NewRez. On XX/XX/2020, I applied to refinance my mortgage with XXXX.. Over the course of the past six months, I have provided documents within 24 hours of them being requested. When I have repeatedly emailed or called asking why my refinance has not been completed, I don't get a response from NewRez. One time I got through to a person connected to my existing loan and she told me it should have taken 2-3 months. Since that time, I have provided one more paystub and the closing date has been put off several morel times while my new paystub is " pending review. '' Last weekend, I went online to look up reviews on XXXX and I saw that there are many people in my situation getting the same run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I received a letter from an attorney office, a debt collector, regarding an account closed 15 years ago, an auto lease that was returned when the lease was terminated. CASE NO FILE XXXX. XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX, XXXX Attorney XXXX XXXX XXXX XXXX. # XXXX XXXX Fl XXXX XXXX. 
A letter showing as a Subpoena Duces Tecum, I contacted this office to find out a little more about this own deb. The person I spoke with was vulgar and starting to treat never acknowledge that this was an attempt to collect a debt, and any information will be used again. Starting treating me that this was an old account for some services and because it is so old the original balance from {$300.00} is now over {$18000.00} and, they are going to do anything in their possible legal way to take things that I own treating to come to my house and take my stuff away. I explained that I currently own a car that now we are making payment on that car with Nissan Motor acceptance financial, and the account is in good status and is open. He started asking me for personal information about what I own in my name. When I refuse to provide that information, he treats me again by taking me to jail or court for a judgment. I told him I know the law and what he was saying was illegal. I requested no to be contacted since I'm no longer live at the address they sent this letter ; I also requested no to be contacted and advised that I will be filling this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Freedom Mortgage Company
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. I also have not received any results for the disputes that i opened on these items from the credit bureaus. Its like they didn't even open the investigations because i have received no notice regarding how the company responded. Please help me any way you can.

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 2021-04-27 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: Professional Credit Management, Inc
State: AR

Complaint narrative:
I reviewed a copy of my credit report and I saw that there were collection items, and charge off items listed that I wasn't aware of. I attempted to contact the companies and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have accounts deleted. I also tried speaking with the CEO of XXXX about late payments that were reported on my account, which is also unverifiable, which is again, a violation of FDCPA, and need all late payments removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I reviewed a copy of my credit report and I saw that there were collection items, and charge off items listed that I wasn't aware of. I attempted to contact the companies and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have accounts deleted. I also tried speaking with the CEO of XXXX about late payments that were reported on my account, which is also unverifiable, which is again, a violation of FDCPA, and need all late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigated them and delete them from my credit report. I also filed identity-theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigated them and delete them from my credit report. I also filed identity-theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2021-04-27 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting a debt on my credit file that I do not owe. I have been disputing this account with them because I had applied for medical hardship and was approved and I paid off the remaining that was left after hardship. CBE continues to report an account with a balance of over {$800.00}. This is false as this account has been settled. I ask that CBE remove this account form my credit file. It is not owed, I settled this with the hospital and it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Collection company flagged XXXX for an alleged debt amount of {$1100.00} to be placed on my credit without sending me a RIGHT TO DISPUTE LETTER or any information about this alIeged debt.. Iam a victim of identity theft and I did not authorize this alleged 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 2021-04-27 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: AES/PHEAA
State: CO

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I had sent letters to XXXX, XXXX and XXXX, Regarding " Fedloans '' and US Department of Education. '' in my letter I explained to them that base on the FCRA AND FACTA guidelines, they are in violation of my rights to " accurrate and fair reporting. '' They are showing duplicate accounts that have derogatory reporting. I have asked them twice to correct/remove this inaccuracy, they have yet to do so as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
I was a victim of identify theft. I had been notified of an account opened in my name. I called XXXX but was unable to close the account as I did not have the account number. Several months later I received a letter from a collection agency on the behalf of XXXX for {$960.00}. I sent in all the information including the police report. This was in XX/XX/2020. In XXXX of this year I received another letter from another collection agency on behalf of XXXX in the amount of {$5900.00}. I again sent in all requested information. Since that time the collection agency has reported this delinquent amount to the credit bureau. I have again sent letter and copies of all correspondence to both XXXX and the collection agency and have heard nothing from either company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. I also have not received any results for the disputes that i opened on these items from the credit bureaus. Its like they didn't even open the investigations because i have received no notice regarding how the company responded. Please help me any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. I also have not received any results for the disputes that i opened on these items from the credit bureaus. Its like they didn't even open the investigations because i have received no notice regarding how the company responded. Please help me any way you can.

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 2021-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: NM

Complaint narrative:
I refinanced my mortgage with CMG Mortgage Inc. on XXXX XXXX. At the time of the refinance, {$5200.00}, net of an aggregate adjustment of {$1000.00}, totaling {$4800.00} of initial escrow deposit was collected from me to pay the property taxes of {$4300.00} that were due on XX/XX/XXXX. CMG never paid those taxes on my behalf, nor did I receive the funds to pay them myself. Around early XXXX, CMG sold/transferred the loan to XXXX. I tried to call XXXX prior to contacting CMG and I just kept getting transferred to multiple people that would tell me that no tax payments were made. I contacted CMG in XXXX regarding the missed tax payment and they told me the " Loan has been sold/transferred ... CMG no longer has access to the account .... CMG has no funds ''. At the time of transfer, CMG noted that {$4800.00} plus {$860.00} ( from my XXXX mortgage payment ) totaling {$5600.00} was transferred to XXXX. Upon logging into my account with XXXX, this total was not reflected in my escrow account at transfer and was {$1700.00}, about {$4000.00} less than it should have been. As CMG would not take accountability or help me rectify the situation, I then contacted XXXX on XX/XX/XXXX. I was notified that I needed to submit the delinquent tax documentation to them. I sent the required documentation to them on XX/XX/XXXX. XXXX has since paid my delinquent taxes, but my escrow account went into the negative. XXXX has done research and noted that they only received {$1700.00} from CMG. I have corresponded with CMG through email and calling no less than 8 times, to request a copy of my documents involved in the sale of my loan to verify the full {$5600.00} of my escrow was in fact sent ... only to be told that I would hear back within 48 hours. I have yet to hear back and it has been over three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
CB/XXXX  is reporting a few late payments on my credit file. These lates are for the months of XX/XX/20, XX/XX/20, XX/XX/20. Since the beginning of the pandemic i was out of work and on unemployment. I struggled to make ends meet for a few months and then i lost control of everything. I had now started working again and have been able to make my payments on time. The pandemic has been hard as is and getting COVID made it 10 times worse. I am pleading that you remove these lates from my credit file. I am trying to obtain financing and these lates are affecting me. It was out of my control to make those payments as i was on unemployment and still had to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a complaint to help with the situation im having with two companies one being Experian not deleting a fraudulent account that keeps reporting on my credit report. I have uploaded an FTC report drivers license and phone bill for proof of address.

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