vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
Back in late XXXX I called Mountain Run Solutions to take care of this collection for XXXX dollars. After giving them all my personal information, they still could not locate the account. At this point it seemed pretty clear that this collection was on my credit report by mistake. I then called XXXX to dispute this account because if Mountain Run can not locate the account, it should not be on my credit report. I then checked my credit report in XXXX and the account now says, This item remained unchanged from our processing of your dispute in XX/XX/2021. HOW?! It is illegal for this account to remain on my credit report if Mountain Run can not even locate it. This account needs to be removed from my report immediately.

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 2021-08-06 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX XXXX Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. 

Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over XXXX points and preventing me from getting a mortgage. REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I, Consumer XXXX XXXX have an inaccurate account on my consumer report. There was a charged off account on my report from XXXX  XXXX that is being reported on XXXX, XXXX, and Equifax, but I paid it off. There should no longer be a charge off on my consumer report. If the balance equals {$0.00}, then the debt is gone and I demand that XXXX XXXX and the consumer reporting agencies do their part and remove this derogatory item from my report. Pursuant to 15usc1681e ( b ) consumer reporting agencies must ensure maximum accuracy on our reports. Calling a paid off charge-off account that should no longer be on my report a derogatory mark is not ensuring maximum accuracy. I want this account removed from my consumer report per XXXX, XXXX, and Equifax. 
XXXX XXXX Account # XXXX opened XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
i had the following ach transactions to coinbase from discovery bank. 
My coinbase account was compromised and I need to dispute the ach transfer with discovery bank and get the money back. 

XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$16000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$20000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$29000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2020, I got a forbearance for my mortgage account that covered month of XXXX and XXXX all the way to XX/XX/2020. 
PNC Mortgage intentionally reported my credit late for the month of XX/XX/2020 although I called them 100 times but, as usual, very poor customer service that never have any representative answer the phones especially when the pandemic first hit on XX/XX/2020. 
During the whole month of XX/XX/2020, I was put on hold for hours without getting anyone on the phone to explain that I lost my job and needed help. 
Finally after several attempts to reach PNC mortgage representatives, on XX/XX/2020, I was able to reach XXXX, she assigned my case to XXXX XXXX, I did explain to her that I lost my job on XX/XX/2020 after a severe slow down in my work since Mid XX/XX/2020 and, she forwarded an application for Forbearance which I forwarded back to her on XX/XX/2020. 
Also, I want to mention that the representatives, even supervisors, were always rude to me on the phone and never willing to help, they never offer to help fix my problems although I have the full rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2021-08-06 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: Social Finance, Inc.
State: TX

Complaint narrative:
I disputed few fraudulent accounts with the credit bureaus and provided documents and they havent blocked/removed any items off my credit reports and denied all my disputes and I called credit bureaus and they wouldnt assist me of removing these fraudulent accounts Such as XXXX/XXXX XXXX Sofi XXXX XXXX XXXX XXXX XXXX/XXXX  And the inquiries to I would need some assistance of removing these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a mortgage on my primary residence with Suntrust Bank ( now Truist ). I have been making monthly PMI payments since XXXX, and my LTV ratio hit 80 % in XXXX of XXXX. At 80 % LTV I am no longer required to carry PMI, and submitted a request to have the PMI canceled, and any additional charges refunded. I submitted my request in XXXX of XXXX. Since XX/XX/XXXX I have been billed for PMI each and every month. I have called Suntrust repeatedly to address this problem. I have submitted additional written requests to have the PMI payment canceled and refunded. For XXXX the total PMI premiums collected by Suntrust are more than {$500.00}. Every time I speak to someone on the phone, they tell me the problem is being 'researched '. I refinanced my loan in XX/XX/XXXX, and am very concerned that with the original loan being closed, it will now be impossible to get my PMI premiums refunded. Can the CFPB help me get this money refunded?

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 monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I purchased a couch from a local furniture store in XX/XX/XXXX. The terms were 5 yrs, no interest, min payment $ XXXX. My payment is due on the XXXX. I have made payments every month, exceeding the min payment amount wanting to pay it off as soon as possible. On statement XX/XX/XXXX I noticed a {$25.00} late fee. It is my fault I did not call at that time. On my statement for XX/XX/XXXX I have a {$38.00} late fee plus interest. I called Wednesday XX/XX/XXXX and was told because my payment for XXXX was received before the statement print date, it was applied as a second payment for XXXX. This made my payment made in XXXX and XXXX late! My payment was received on XX/XX/XXXX and the statement printed on XX/XX/XXXX. Furthermore, during the billing cycle of XXXX it posted a payment XX/XX/XXXX which negates the theory of payments received during billing cycles Printed on my monthly statement : Reminder : Your credit card account may not be paid ahead to avoid making payments in future billing periods. You may pay more than the Minimum Payment Due at any time. However, to avoid late fees and delinquency we must receive at least the Minimum Payment Due ( as reflected on each monthly statement ) on or before the Payment Due Date each billing period until your balance is zero. 
This mentions *NOTHING* about receiving payments before the statement prints not counting as your monthly payment. I view this as a deceptive practice to gain income from late fees. 

When I called I was told nothing could be done. I asked for the late fees and interest to be waived and my payments corrected, as I made my payments on time. I get paid on the XXXX & XXXX. I had been making my payments with XXXX check and as of XXXX with XXXX. I asked for manager, and was again told nothing could be done even though he agreed I had not missed a payment. Waited for an escalation call back. I was told it would be 1-2 business days. It is now XX/XX/XXXX XXXX ( central ) and I have not received a call back

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 monetary relief
Consumer complaint received 2021-08-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX XXXX Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over XXXX points and preventing me from getting a mortgage. REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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:
There are 15 accts on my credit report that do not belong to me I have contacted the bureaus as well as all the funrihsers regarding this and nothing is being done I have no idea how these account appear on my credit report or who is using my identity please help me with the removal of false information on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : This is not my 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 2021-08-06 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: CA

Complaint narrative:
There are 15 accts on my credit report that do not belong to me I have contacted the bureaus as well as all the funrihsers regarding this and nothing is being done I have no idea how these account appear on my credit report or who is using my identity please help me with the removal of false information on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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:
fcra violations not mine : 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, TX XXXX Resident type Post office box accounts not mine : XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$10000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Collection account. {$360.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$930.00} Status Collection account. {$930.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We have been trying for the longest to get Shellpoint to correct the incorrect balances and payments reported to the credit bureaus. In the attached you will see that our loan was Service Transferred to them on XX/XX/XXXX. At that time the loan had a balance of {$190000.00} - We had made 17 consecutive payments since that has the account showing no late payments. Yet the account is also showing in the payment history various higher balances that in no way could be related to our loan. Starting from a received balance of {$190000.00} to an transferred balance of {$180000.00} after the last payment on XX/XX/XXXX and before it Service transferred to another servicer.

It has been near impossible to get Shellpoint to correct the payment history, that also shows balances of {$190000.00} - {$190000.00} - {$190000.00} - and several balances of the {$190000.00} amount. These balances are impossible to understand from a starting balance of {$180000.00} to and ending balance when transferred, and there are none of the high balances on any of the monthly statements, yet they continue to report to the credit agencies balances that are not related to our loan. And they not reporting the actual payments amounts that are important to show that the loan has been paid correctly for the 17 consecutive payments that were made that we should be seeing reported to the credit agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation