vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-01 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: CT

Complaint narrative:
This account does not belong to me. I filed several complaints and police report FTC and I really would like to get this accounts removed as possible and delete it from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This account does not belong to me. I filed several complaints and police report FTC and I really would like to get this accounts removed as possible and delete it from all credit reporting.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On all 3 credit bureaus. I have disputed numerous addresses. There are still more that do not belong to me. Also numerous social security numbers. Closed paid of accounts still on reports. XXXX, Experian 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 2023-02-01 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On all XXXX credit bureaus. I have disputed numerous addresses. There are still more that do not belong to me. Also numerous social security numbers. XXXX paid of accounts still on reports. XXXX, XXXX TransUnion

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On all XXXX credit bureaus. I have disputed numerous addresses. There are still more that do not belong to me. Also numerous social security numbers. XXXX paid of accounts still on reports. Equifax, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
XXXX FUNDING IS REPORTING A CREDIT CARD ON MY CREDIT THAT I KNOW NOTHING ABOUT. 
ACCOUNT # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING IS REPORTING A CREDIT CARD ON MY CREDIT THAT I KNOW NOTHING ABOUT. 
ACCOUNT # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Figure Technologies, Inc
State: IL

Complaint narrative:
For the third time on XX/XX/XXXX ; I applied for a HELOC from Figure Lending LLC. I was turned down again with a score of XXXX. A Figure representative named XXXX; said it was because of a past delinquency. When I talked to XXXX, they tell me that I have not had a delinquency for close to 3 years. But, they still are stating past or present delinquencies. Also, a Heloc loan is tied directly to my home. So, there is very little if any risk! If I have had my home since XXXX ; don't this count to a mortgage company for something? 

A XXXX score is considered good. Usually, a conventional loan requires a XXXX score. I need the government to question Figure as to why they advertise a score of XXXX ; but my XXXX is no good to them! For the past three years, I have had XXXX medical issues. But, I still made my payments within XXXX days. If I was a different race and in a different zipcode ; I believe that their system would have approved my loan. I will not stop till I prove that I am right! 
The government need to fix this problem. Too many minorities are being hurt by companies with their redlining software!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tate and Kirlin Assoc
State: SC

Complaint narrative:
The company Tate & Kirlin Associates , Inc was in charge of a charge off account that they told me that if I paid the debt not only would the collections account would be deleted off my credit reports they would also delete the original tradeline of the charge off a bank called XXXX XXXX. The collections account has been deleted but the original account has not. They now refuse to help me out and get the problem resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS IS REPORTING THIS MEDICAL BILL ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
For the XXXX  time on XX/XX/XXXX ; I applied for a XXXX  from XXXX XXXX XXXX. I was turned down again with a score of XXXX. A Figure representative named XXXX; said it was because of a past delinquency. When I talked to Experian, they tell me that I have not had a delinquency for close to XXXX  years. But, they still are stating past or present delinquencies. Also, a XXXX loan is tied directly to my home. So, there is very little if any risk! If I have had my home since 2006 ; don't this count to a mortgage company for something? 

A XXXX score is considered good. Usually, a conventional loan requires a XXXX score. I need the government to question XXXX as to why they advertise a score of XXXX ; but my XXXX is no good to them! For the past XXXX years, I have had XXXX medical issues. But, I still made my payments within XXXX days. If I was a different race and in a different zipcode ; I believe that their system would have approved my loan. I will not stop till I prove that I am right! 
The government need to fix this problem. Too many minorities are being hurt by companies with their redlining software!

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been unable to access my Equifax account for the past XXXX months. Ive called the company at least once per month to speak with a representative about handling this issue. The representative attempted to reset my password on their side and that does not fix the problem. After about a 30 minute phone call the representative tells me that they will send my issue to the technical department and someone will get back to me. That has never happened. When I apply for funding, Im told that they can not see my credit score from Equifax. I have been told by an Equifax representative that I do not have a credit freeze or fraud alert on my account. Ive written several letters and sent the information to verify my identity to asked to reset my account and that has not worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA IS REPORTING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello sir/madam We started to transfer our money from XXXX to XXXX through XXXX about 3 months ago, we talked to our bank ( wells fargo ) in advance to get permissions and the OFAC license XXXX the bank told us we are good to go. So we started to wire the money in several XXXX and XXXX wires continuously. Each time a wire was received by the bank they asked us to go there and sign OFAC AFFIDAVIT paper and after a a few days the bank would credited our account, but after all the transferring was done we realized the bank has not credited our total amount of XXXX $ instead they gave us XXXX $ .we waited a few days but no luck. XXXX $ is missing. We have all the ofac affidavit papers that sais in total the amount is XXXX but they say its not a proof! The problem is that we dont know which of these several wires have been credited and which ones havent because they all been continuously sent and very similar amounts. But with further investigation we find 12 possible wires that that could be it, 7 of these 12 havent been credited. We asked the bank to check these 12 ofac affidavit papers because they have reference numbers on them but they are not helping us! Its been a month and we are going back and forth and nothing so far, no one is helping us. 
The bank said maybe theres a problem with the bank in XXXX, but they gave us the ofac papers to sign! So we know that the money is here, but no one seems to know where its gone! And we tried to talk to everyone even in different branches but no one is helping. 
So Im here asking you to help us, we need the rest of the money we are stressed out Could you help us 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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Repeatedly Citi CEO XXXX refuses to answer me. How outrageously rude! 

Citi is charging me {$40.00} per month for each month that there is a balance due and owing. 
And so the late fees are not astronomical. 

I shall not, shall never, pay these late fees no matter how many times Citi and its lawyers take me to court. 

My beloved wife XXXX and I live ONLY on Social Security and can not at all make ends meet. I shall never pay these late fees! 

I shall declare bankruptcy if necessary!

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 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I had two accounts with XXXX. I closed my ohio account XXXX. This left only my Indiana account XXXX. I received communication from XXXX that I had a credit of {$130.00} on my Ohio account. I called and spoke to a representative and asked for the money to be transferred to the Indiana account. The representative stated the money could be transferred. I then received a prepaid credit card in the amount of {$130.00}. I am going to assume the money could not be transferred to the account in Indiana. The Indiana account is paid current, and the Ohio account was never delinquent or missing a payment. At the later part of XXXX, I received a call from XXXX XXXX XXXX stating they were trying to collect a debt. I asked for who and they said they did not know the company they were collecting for or any information on that company. I asked to speak to a manager and was sent to a voicemail. No return call. Within a week I received another call from them stating they were collecting for XXXX. I told them I had no delinquencies with XXXX and asked for XXXX tel # to contact. They stated they could not help me with that. I then contacted XXXX and spoke to 2 different people. One was a rep and the other was a collection manager. Both stated that they would take care of the situation and not to worry about the account as they seen where their error was. I did not hear anything from XXXX or XXXX again. At this point, I had not received any communication on that particular account stating it was past due. So when they stated that the account was taken care of, I did not think about it till yesterday XX/XX/XXXX. I received a call from a XXXX XXXX that stated he was calling from Credence Financial Recovery regarding the delinquent XXXX account. He said it was delinquent and would be reported to my credit bureau at any time. He continued to ask how I was going to pay my debt. I advised I had not received any communcation in regards to this account and that I do not owe the debt. He again stated how was I going to pay. I told him again that I have never received any communication and I need to see something in writing. He stated the letter will say the exact same information. I told him so be it, but i wanted something in writing. I am still waiting for the letter but they did state it would take 2-3 days to receive. My complaint is that I do not owe this debt. XXXX told me twice it was taken care of and did not send any communication to this account, XXXX stating they did not take care of it, nor they were sending it to collections. My confusion is they communicated an overpayment, sent a pre paid credit card and then sent me to collections with no communication nor correspondence. I received nothing from XXXX, XXXX XXXX nor Credence Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have repeatedly over several years asked the Bank of America to reduce its interest rate as I can not afford to pay its high interest rate. 

My belovend wife XXXX and I live XXXX XXXX XXXX XXXX  and we can not at all make ends meet and now with soaring inflation! 

But the Bank of America refuses to work with me to resolve this very serous financial problem! 

I SHALL DECLARE BANKRUPTCY IF NECESSARY!

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 2023-02-01 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: DISCOVER BANK
State: FL

Complaint narrative:
I have a credit card with discover and recently I noticed they were reporting my utilization which is a violation of the FCRA. 15 USC 1681a ( 2 ) ( A ) ( i ) states that consumer reports does not include information solely as to transactions or experiences. Utilization is an experience and transaction between me and discover and should not be on my consumer report. please remove the utilization from my credit report. 

This has greatly effected my credit worthiness and my reputation as I am in the process of buying a home and this illegal reporting of my experiences is preventing me from doing so. 





Account name- Discover Bank Account number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Suffered water damage in home in XX/XX/XXXX. Insurance company has paid on claim in full. PHH has had the money since XX/XX/XXXX. PHH sent an inspector who conducted final inspection and approved it on XX/XX/XXXX. They were to disburse all funds to me within seven business days of final inspection. Have been in constant contact with them and they keep saying they have to wait for the proceeds and that they are waiting for the " financials to update and clear, '' even though they've had the funds for over three weeks. Have even talked to a " specialist '' there who is no help. They can not give me a date when they will send my money. I need it to pay off my contractor who is threatening to add interest and file a lien. I am XXXX XXXX XXXX and living XXXX XXXX XXXX XXXX. I need MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: NC

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I have applied for this XXXX card not once but 4x in the last 6 months. Everytime I get the same error message saying they are unable to very my identity which doesnt make any sense. They even linked and verified my identity thru XXXX and I even received a confirmation that my bank account has been verified also Creditkarma guaranteed if not approved I would get {$50.00} back which is a lie now theyre saying they cant issue me any money for my denied application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
In XXXX I made the mistake of transferring $ XXXX into a credit card account. The next day, XX/XX/XXXX I called to have the funds transferred back where they came from, a non Wells Fargo account. Customer service said they were taking care of it and put in the request. This call was made by me several more times because the money was not leaving the credit card account or appearing back in the checking account it came from. During these calls I was told many different things. Sometimes it was they had put in the request, other times I was given a date that it would be transferred. One particular call I was given a fictitious number to call so I could talk to the person doing the reviewing of the transaction, customer service is apparently trained and allowed to lie. All this time I am having to make calls and arrangements for the account the money was intended to go to. This is all taking an enormous amount of time and ended up costing me several XXXX dollars. On XX/XX/XXXX I noticed the money was no longer in the credit card account. Five days later it was still not back in the checking account. I called to inquire were the money was. I was told Wells Fargo had issued a check and I could expect to receive it in 7 to 14 days.

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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a dispute for my XXXX XXXX XXXX back in XXXX 2022. There is no XXXX XXXX being reported on my XXXX XXXX report and proof was provided. As of today, the bankruptcy is still reporting and the dispute has not be closed or resolved. In addition, I am not able to access my credit report due to the open dispute. I have called several times and no rep was able to assist 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