vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I contacted XXXX, XXXX, and XXXX several times by phone and mail regarding incorrect information reporting on my credit report as collections. The collection companies such as XXXX XXXX XXXX in the amount of {$620.00} and {$610.00}, XXXX XXXX XXXX in the amount of {$2000.00}, and Midland Credit Management in the amount of {$1100.00} does not belong to me. I do not have contracts with these creditors. I have not received ant additional information from the credit bureaus showing contracts that has my name, date of birth, address, and or signature stating that I am responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX - XX/XX/2023

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. These accounts have a low or XXXX balance. 

Open credit card accounts XXXX XXXX XXXX {$870.00} out of {$800.00} 110 % XXXX XXXX {$310.00} out of {$300.00} 105 % XXXX XXXX XXXX {$880.00} out of {$850.00} 104 % XXXX {$2000.00} out of {$2000.00} 104 % XXXX XXXX XXXX XXXX {$3800.00} out of {$3700.00} 102 % XXXX XXXX XXXX {$1600.00} out of {$1600.00} 101 % XXXX {$1000.00} out of {$1100.00} 99 % XXXX XXXX {$1000.00} out of {$1100.00} 98 % XXXX XXXX XXXX XXXX {$1300.00} out of {$1400.00} 98 % XXXX XXXX XXXX {$770.00} out of {$800.00} 97 % XXXX XXXX XXXX XXXX {$470.00} out of {$500.00} 94 % XXXX XXXX XXXX XXXX {$250.00} out of {$300.00} 85 % XXXX XXXX XXXX XXXX {$240.00} out of {$300.00} 81 % XXXX {$200.00} out of {$400.00} 52 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have an account by the name of XXXX XXXX XXXX  reporting to my profile I am a victim of identity theft and would like this account removed from my profile. I am a victim of identity theft and I also had my information leaked in the XXXX data breach. I might add that the information that is reporting don't match and the social security number on the account don't even match my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On my Equifax report, there is a duplicate charge off with all the same dates and amounts but with a different account number. I disputed this on MY Equifax as well as my husband 's Equifax. The duplicate account was removed from my husband 's credit report but BOTH the correct account AND the duplicate account were confirmed on MY Equifax Report. I do not understand because we've only had ONE account with this company with ONE vehicle. I have redisputed the item but Equifax told me to file a complaint and add the complaint info to my dispute so that is what I'm doing. Here is the info regarding these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Correct account is account ending in XXXX. 

Duplicate Account : Acct # XXXX Opening date : XX/XX/XXXX Last pmt date : XX/XX/XXXX Charge off amt : {$10000.00} Again, the duplicate account ( # XXXX ) has THE SAME EXACT DATES AND AMOUNTS as the correct account ( ending in XXXX. I think the whole account number for the correct account is XXXX but I am not 100 % positive since the credit reports do not give the entire account number ). 
I do not want to contact XXXX because I do not want to begin with harassing phone calls and I do not want to accidentally " start the collections clock '' again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-02-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: MD

Complaint narrative:
Every time I talk to this company I get harassment and berated before they will accept any payment. I have asked them to stop calling me numerous times, and they continue to do so. I have also requested to not deal with their employee XXXX and she continues to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my credit report that is being inaccurately reported by Wells Fargo EFS. The account in question is listed as a closed account, marked as a charge-off/in collections, despite being paid in full and in good standing. This erroneous reporting has been negatively impacting my credit since XX/XX/XXXX, despite the account being closed since XX/XX/XXXX. 

I have taken the necessary steps to rectify this issue by contacting both the credit bureaus and Wells Fargo EFS directly. Despite my efforts, the inaccurate information persists on my credit report, unfairly tarnishing my credit history. 

I would like to emphasize that the account in question was settled in full and was never in collections. It is unacceptable for Wells Fargo EFS to continue reporting this misinformation, especially given the significant impact it has on my financial reputation. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that Wells Fargo EFS updates my credit report to reflect the accurate status of the account. Additionally, I request that any negative marks associated with this account be removed from my credit history, as they are unjust and unwarranted. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and prevent similar occurrences in the future.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a Quicl silver Master card from Capital One.I had not used it for two years.Recenntly they sent an email that they had de-activated my card becuase of inactivity.They claimed a letter was sent in XXXX XXXX to alert me which I never got.I had a reward balance of about {$230.00}. They refused to give me the rewrds saying the account was closed.I think this is fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I lost my wallet and phone at a XXXX XXXX XXXX XXXX. I didnt notice until it was too late and had over 22 charges totaling over XXXXXXXX XXXX. I called Wells Fargo and they cancelled my card and said they will be investigating but to call back after they are done pending to get a provisional credit. I called back and they issued be one XXXX XXXX provincial credit and said they others werent posted yet so Id have to call back again. So I waited and called them back when all the transactions were posted. They then informed me that the lady before that gave me the XXXXXXXX XXXX provisional credit shouldnt have gave it to me and that I had to wait 10 business days to get an answer. I called Friday on the XXXX XXXX XXXX exactly 10 business days and they told me that I would get a call by the end of the day about my claim. It is now Monday the XXXX and I didnt get a call back so called them again. They kept on giving me the run around saying that they will escalate the claim and that I should Have an answer by the end of the day today. Also one of the ladies there said since I already gotten an accidental provisional credit of XXXX XXXX that now it extends the timeframe to 90 days which I dont know how true that is or not.

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 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an account by the name of Bank of America reporting to my profile I am a victim of identity theft and would like this account removed from my profile. I am a victim of identity theft and I also had my information leaked in the XXXX data breach. I might add that the information that is reporting don't match and the social security number on the account don't even match my social security number.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase Freedom sent a denial letter on XXXX XXXXXXXX XXXX. I received the letter on XXXX XXXX XXXX. I Never applied for a credit card from them. I called XXXX to dispute the hard inquiry on XXXX XXXX, XXXX. They gave me the reportfraud.ftc website to dispute. The letter from Chase Freedom didn't have a phone number to call them directly. I would like this inquiry removed from my credit please. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My XXXX son checking account experienced fraud via atm w/d in XXXX Fl we live in XXXX ; we called BOA the first fraud claim was mishandled and not file correctly so 5 days later I had to call back and re-file the claim also request for the {$15.00} rush card fee to be reimburse that had not been reversed as promised. I also asked for provisional credit since my XXXX  son was not in XXXX and had his card in his possession the entire time. I call today XX/XX/24 to follow up on the status of my sons claim and inquire about the ATM footage also offer to file a police report if needed and was told they could not provide me with information only to my son which is ridiculous since he is at school and again a XXXXyear-old XXXX and my name is on the account as joint account holder and the adult! Also, the representative slipped and stated they would take the provisional credit back XX/XX/XXXX because they said my son gave his card to someone, which is untrue since again only my son and me have access to his account and my son has the original debt still in his possession! I would like to mention that I recently left a XXXX career in the XXXX industry. Th representative did absolutely nothing to assist me resolving this matter and I find it disturbing as one of the largest banks in the United States. Let 's get back to taking care of people and doing things right in banking because without people placing their hard-earned money and applying for loans these intuitions would not be in existence especially in today 's world of up-and-coming XXXX companies. I WILL bring my complaints to media, our local government and state gov along with the state of XXXX banking commissioner office. 
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 monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
My ex-husband and I are both listed on the loan. In XXXX, my ex-husband and I separated and shortly after got divorced. During that time, the payments on the auto loan were made by him and proof can be provided. Once he stopped making the payments, he communicated with FNB that I would be taking over making the payments. However, they recorded this as him saying there would not be any further payments made on the loan. When this happened, FNB proceeded with a repossession order and did take the car. I was able to communicate with them and reinstated the loan for the car. Since that repossession, FNB has not taken the repossession order off my account and they are STILL trying to repossess my car despite receiving weekly payments that are being applied to my account. It's highly embarrassing to have repossession men come to my house, in front of my neighbors, and try to take a vehicle I'm actively paying on. On XX/XX/XXXXXXXX two repossession men came to my home, explained why they were there, and I honestly had no idea there was still an active order in place considering I've been making payments. I was able to provide proof to the repossession company of my payments and they did not proceed with taking my car. However, there was also someone from FNB that informed my previous landlord that I was facing repossession due to XXXX XXXX XXXX  amount being owed on the account. A ) that is not true B ) they are not allowed to give information about MY loan to someone not involved with it in any way except to defame and slander me. This is insulting and disgusting for a company to take money from a consumer and STILL try to take their car to get MORE money from an auction sale. This repossession has been active for over 200 days, which means they've been taking my money but also still trying to take my vehicle that I've BEEN paying for. My payments are taken from account electronically and come out immediately. They are applied within 2-3 days upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
There has been significant misinformation between the StudentAid.gov website as well as MOHELA, my loan servicer, affecting thousands if not more individuals including myself. 

Currently, there is information published on the Studentaid.gov website, stating that any loan income recertifications prior to XX/XX/XXXX will be pushed out one year from the recertification date. ( https : //studentaid.gov/announcements-events/covid-19 ). My Federal Student Aid income recertification anniversary is XX/XX/XXXX, and it was XX/XX/XXXX on MOHELA website. They recently changed my date to XX/XX/XXXX. 

Currently, my payment has been {$470.00}, and on XX/XX/XXXX, my next pending payment for XXXX has increased to {$3300.00} and I have been placed into standard repayment, despite the above information stating I should not have to recertify my income until XXXX. 

I have spoken to MOHELA call center employees multiple times as my account information has not updated. Now I am being forced to recertify despite Federal Student Aid information as well as experience significant increases in loan payments. I have received conflicting data almost every time I have spoken to MOHELA. However, on two occasions, I also spoke with supervisors, and they assured me that my loan recertification date will be pushed to XXXX and my payment will stay the same. They advised to just keep watching the dates on the website. These dates of these conversations were XX/XX/XXXX as well as XX/XX/XXXX and yet still nothing has happened. I have also spoken with MOHELA again today, XX/XX/XXXX and they advised that because the system is not up to date, they will not honor the income recertification push back for any individuals. This is unfortunate that individuals have to suffer hardship and high loan repayments, simply because the MOHELA system is not correct or up to date. 

I have spoken with the FSA Ombudsman on XX/XX/XXXX, they also agreed that my loan recertification date should be pushed to XXXX per the FSA website and there is a current investigation pending # XXXX ( submitted XX/XX/XXXX ) and XXXX ( submitted XX/XX/XXXX ). I still have not received any information regarding these two submitted cases from the Federal Student Aid Department, despite being submitted 3 months ago. 

I believe this change is not correct and I have requested my payment and IDR plan to return to the XXXX and SAVE plan, with an IDR Anniversary date of XX/XX/XXXX, in accordance with the Federal Student Aid website. 

Thank you for your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief