vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Late/Closed DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: CO

Complaint narrative:
Last XXXX  I noticed several weekly payments coming out of my account from Tempoe , LLC. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank. 

I called my XXXX XXXX  and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds. 

Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX???? 

I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from XXXX XXXX XXXX in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today. 

Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I apply for an unsecured credit card in XXXX. I was told to send a deposit for {$200.00} and I sent it, and in XXXX they sent me a credit card. They ask for Documentation as proof of resident so I sent a copy of my Driver 's License and a bank statement that is what they ask for. Then they said they need to do a third-party call to my bank. And they would not activate my card because my Bank does not do the third party. So they stated that I should close the account and they would send me my deposit. I did this to build my credit. This has been horrible and now it's XXXX and I still don't have my deposit. I wrote to the corporate office and no one respond to my letter. This bank is horrible. I am sure I am not the only one that has gone through this. Please help me, no one should ever have to go through this. They sent me statements for a card I can not use. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I received an email from what looked like to be my escrow company informing me that the rest of my down payment, XXXX for my first house will need to be sent to their trust account and it provided me a new account and routing number. While looking at the email on my iphone, the name of the person who messaged me was the same as my escrow co. But when i click on the name, the email addressed appeared and I knew it was a fake email and the new wire instructions were not of my escrow company but I did not notice this until after the transaction. I have been in contact with Chase Bank ( my Bank ) and XXXX XXXX ( receiving bank ) ever since the transaction on XX/XX/XXXX and i dont believe much progress has been made. XXXX XXXX did call me over the weekend when I first sent the funds and left me voicemails, but I did not pay much attention to them since the voicemail did not state my name ( i assumed it was spam ) until Monday XX/XX/XXXX when my Escrow Co informed me they still haven't received my funds, i called back XXXX XXXX and they confirmed that they will hold the funds, they knew something was off since the name of the funds did not match the owner of the account. Since then, I have only been able to contact Chase Bank via secured messages on their app ( they are currently not accepting calls to their wire team because of Covid ). these messages sometimes take a week to get a reply back, they claim to be in contact with XXXX XXXX on the issue and now XXXX XXXX is requesting an Indemnity Letter, Chase informed me of this and asked me to contact XXXX XXXX directly for this at XXXX for the template. I sent the second email today to this email address and still have not received a response. Chase advised to call chase fraud team, but the fraud team told me they can not do anything and to keep in contact with Chase wire team via secured messages on their app. I have gotten this run around times from Chase Bank. I need help and advice on what my next steps should be. XXXX XXXX will no longer help me since I am not a member, they will only accept calls on the issue from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 was looking through my credit report and these unverified accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureaus which caused severe XXXX upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX was closed XX/XX/2013 but is showing as " current '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as current. This inaccurate information is causing harm to my reputation.

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 2021-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
In XXXX I suffered a major financial setback and was unable to make payments on my mortgage. I missed a payment and knew I needed help. The lender required me to be 3 months behind before they would entertain a modification. The process took longer than expected, but I never allowed the payment to be more than 90 days late ( 3 months ) and started making the trial modification payments on time immediately. 

The Lender has reported on my credit report 120 days ( not 90 ) as well as continued to reflect our payment as late during the trial modification. Once the modification was finalized we made those payments as agreed until such time as I sold the property. 

Because this was an FHA loan, part of the modification was a partial claim against the MIP. When I sold the home in XXXX of XXXX, that amount was paid back as part of the home 's payoffs. 

I am now attempting to purchase a new home, and because of the inaccurate reporting on the credit report, it appears that I was more than 5 months behind on payments when in fact I was never more than 3 and now I have to wait another year when I have worked very hard to improve my credit, save money and reestablish myself in a more affordable location. Inaccurately reporting the lates is not only causing a delay, but it also makes me wonder, if the amount charged to FHA for the partial claim was incorrect and inflated and if the amount that I had to pay back was incorrect. 

It is unfair to force someone to get behind in order to help them, and it is also inaccurate to reflect a payment as late when under a trial payment. The loan was being paid according to the new trial terms, and then paid under the final modification agreement.

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 2021-10-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a notification from Experian on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry on my credit report.

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 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I have been banking with XXXX XXXX XXXX bank since my Dad opened my savings account in the late XXXX in XXXX XXXX, WI under XXXX. ( I didnt know much about banking at the time, but was happy the Bankers gave my brother and I a tasty sucker with the little white loop for a handle! ) In fact, my next-door neighbor worked there, and that is where my money from my first job was deposited. I understand how your bank and business has had to change with the times. I also have had to change with the times to a new world of the way people bank, buy, and sell things. Last Friday XX/XX/21, I tried to purchase XXXX tickets for my wife and I, and I confess, we don't get out much with XXXX young boys! I was talking to a XXXX XXXX on the phone ( phone number XXXX ), and a request for {$400.00} came into my XXXX XXXX  account under the name and account of XXXX XXXX XXXX. One mouse click later, the {$400.00} left my account and went into the account of XXXX XXXX XXXX, immediately XXXX disconnected, and his phone number was " no longer in service ''. Both phone numbers and names I have affiliated with the XXXX  account are either disconnected or unresponsive now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I financed a XXXX XXXX through credit acceptance with XXXX miles back in 2016. The car sales price was around {$10000.00} of the car lot at a payment of approximately {$500.00} a month. What I didnt understand was how high the interest rate was on the loan its somewhere about around 25 %. I payed on the vehicle for two years straight no late payments and fell on hard times and I did not understand the terms that were given when the loan was originated and the vehicle was repossessed. They then auctioned off the vehicle for {$2000.00} and got an order to garnish my wages for {$12000.00}. That more then what the car was worth when I bought it. The vehicle also needed a new transmission and which was a {$3000.00} repair and made it it impossible to drive. I then had to pay for an attorney to stop the garnishment and had to pay {$200.00} a month. I cant afford {$200.00} a month because I still need transportation.

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 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
The car loan doesnt belong to me what I mean is I didnt purchase the car. I had a family member living with me and when I would travel out of town on business they must have took my ID and information from out of my old pocket book in my closet. The car was brought online and when I found out about it I immediately had the car picked up from that family members new home they moved into. The car was brought in XX/XX/2019 I believe and I have tried working with BridgeCrest to have it removed from my credit to no avail. I didnt do a police report because I dont want the family member in jail she has XXXX small kids but I dont and shouldnt be held responsible because I dont have a police report. I sent in the affidavit and other documents showing I didn't make this online car purchase yet they still will not remove this from my credit report. I even sent in the payment of {$9700.00} per XXXX when I called into BridgeCrest over a month ago and the car is still showing on my XXXX and XXXX credit report. This isn't fair and I might have to hire a lawyer to sue BridgeCrest. The car was never purchased by me then I send in the documents they required to remove the loan and I also sent in the payment amount shown on my credit report and confirmed by XXXX that works for BridgeCrest in the amount of {$9700.00} and the account is still on my credit reports. I need someone here at the CFPB to help get this mess corrected asap for it isn't fair at all to me as a consumer who is a victim of online fraud!!!!

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 2021-10-19 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: Medical Data Systems, Inc.
State: SC

Complaint narrative:
On XX/XX/2021 Medical Data Systems I added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2021-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Clear Lending Corp
State: NV

Complaint narrative:
I applied for a VA loan through Clearlending and on a VA loan you can not be charged more than 2 points for loan discount fees but this company stated that due to credit score it had to charge more and charged XXXX. They are also charging Contract processing fees which are against VA loan regulations as well as survey fees and an HOA transfer fee but I do not have a home picked out yet and am looking at ones that do not have an HOA. Seller will pay closing costs but I am still being told that I will have to put money down when VA requires XXXX down from a military member. These practices are illegal by this company and they should be held accountable, regardless of credit history.

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 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Both XXXX accounts XXXX and XXXX were closed XX/XX/2019 but is showing as " past due '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as past due. This inaccurate information is causing harm to my reputation.

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Deatrick & Spies PSC
State: KY

Complaint narrative:
This company is in violation of multiple FDCPA laws. I sent a validation of debt letter along with a cease and desist letter to this company. I do not owe this debt, according to 15 USC 1692g As the original creditor, I only can validate this debt. I do not validate this debt. I demand this company to cease all forms of communication with me through any and all mediums.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: MI

Complaint narrative:
On my XX/XX/2021 credit report, DEPTEDXXXX has added a Late Mark on my credit report per XXXX and TRANSUNION. Upon further research, this account has no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not verify the debt and anybody can send a bill and say its mine. I have sent 5 rounds of dispute, asking for verification of these Late Payments, but I never received any response. According to FCRA, DEPEDXXXXXXXX  has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2021-10-19 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: Avadyne Health Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/2021 H & R accounts added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA H & R Accounts Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, this is a notice that I am disputing a billing error on my consumer report as a late payment from XX/XX/2020. I have recently contacted Citigroup , Inc. stating that my account is in billing error. 

I requested for the original documented evidence and books of account pursuant to 15 USC 44, and all I did was receive a cardholder agreement. This is not full material disclosure. 

I have mailed the registered agent the attached billing error affidavit and notice of intent to lawsuit via certified mail, tracking # 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 2021-10-19 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: OH

Complaint narrative:
I was looking through my credit report and these unverified accounts still reflects negatively in my credit report, even after many attempts to reach out to the credit bureaus which caused severe XXXX upon me.

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