vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-04 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: TX

Complaint narrative:
I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX days then XXXX days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX  days then XXXX  days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX  to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/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 2021-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a dispute to the credit bureaus about a collection XXXX XXXX XXXX XXXX XXXX and have not received a response back or any results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I learned about this debt after being denied at an apartment complex. It was ran by XXXX and I was denied because XXXX XXXX has turned over debt to national credit. I am not sure who owns this debt. The debt is inaccurate. XXXX XXXX owes me money and refused to provide proof of the costs. XXXX XXXX simply told me this would follow me. This debt through XXXX XXXX  does not appear on the traditional credit bureaus. XXXX XXXX NEVER PRODUCED A INITIAL LETTER WITH MY RIGHT TO DISPUTE. I went through the XXXX ( See attached letter as this is what I want addressed here ) and all they gave was an unresponsive and generic response. They need to remove this and send me an initial letter giving me a chance to dispute. Ive sent them emails. They dont respond. Or return phone calls or messages. The XXXX time they called me was around almost XXXX in the morning which is a violation in its own self. I want the attached letter answered. I will not stop until thats done whether through this means or a regular lawsuit or a class action.

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

Complaint narrative:
A XXXX XXXX auto loan was closed & paid in full on XX/XX/2019 when I traded my old car in & financed my current vehicle. XXXX XXXX updated the loan status to the XXXX credit bureaus in XX/XX/2019. The loan is still showing open & delinquent with a balance on my XXXX report & showing closed delinquent with a XXXX balance on myTransUnion report. As a result the errors have dramatically affected my overall credit scores as well as Fico scores related to auto financing. I have disputed the errors & requested updates from both TransUnion & XXXX but nothing has changed or been removed. The errors on the XXXX report have been particularly damaging because I am not able to qualify for a lower rate loan for a new car or refinance my existing car loan. XXXX blamed it on the lender for failing to transmit the updated info in XX/XX/2019, but I find that hard to believe since XXXX  correctly updated the XXXX XXXX TransUnion updated most of the information correctly XXXX with the exception of status being delinquent instead of current ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: GA

Complaint narrative:
A XXXX XXXX auto loan was closed & paid in full on XX/XX/2019 when I traded my old car in & financed my current vehicle. XXXX XXXX updated the loan status to the three credit bureaus in XX/XX/2019. The loan is still showing open & delinquent with a balance on my Equifax report & showing closed delinquent with a 0 balance on myXXXX report. As a result the errors have dramatically affected my overall credit scores as well as Fico scores related to auto financing. I have disputed the errors & requested updates from both XXXX & Equifax but nothing has changed or been removed. The errors on the Equifax report have been particularly damaging because I am not able to qualify for a lower rate loan for a new car or refinance my existing car loan. Equifax blamed it on the lender for failing to transmit the updated info in XX/XX/2019, but I find that hard to believe since XXXX correctly updated the information & XXXX updated most of the information correctly ( with the exception of status being delinquent instead of current ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I closed my checking account ( Wells Fargo ) that had {$2300.00} through online on XX/XX/XXXX. She said to me that cashier check would be issued next day ( XX/XX/XXXX ), and I could receive my check within 5~7 business days. However, I haven't gotten my check until now. 
So, I called Wells Fargo several times, but the customer service employee said you just needed to wait. I waited almost 50 days and did not receive any letter or response from the bank. On XX/XX/XXXX, I called customer service other part again, and I said to her I thought the cashier check was lost. She finally answered my request. " Our bank can not cancel the issued casher check until 90 days from starting day of issued date of it, and you can declare lost your check after 90 days from closing date. '' I received the file of declaring cashier check from her after 5 days. 
What can I do? I want receive my money right now, and I am very angry. I can not trust Wells Fargo bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: Fidelity National Information Services, Inc. (FNIS)
State: NE

Complaint narrative:
Chex system has violated me yet again with their last response as well. I am still suffering financial injury and my reputation has been completely destroyed by Chex system especially during these unfortunate times of this Pandemic. 

I am seeking remedy and have attached my request inside this complaint. The Fair Credit Reporting Act was designed to protect me as a consumer against unfair practices of credit reporting agencies such as Chex Systems. Who have continually violated me by privacy breach as well as reporting consumer transactions and experiences that the FCRA specifically stated are NOT to be furnished on my consumer 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 explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital Accounts at XXXX. XXXX XXXX XXXX, TN, XXXX. Contacted me via email saying I owe them {$140.00} in back interest for mailing out letters that I never received. And that I owe them a total of {$880.00}. I sent a validation letter to them XX/XX/2021. They responded via email with just an invoice no proof or a signed contract. I followed up with a 2nd validation letter asking for sufficient proof on this alleged account such as the original contract/agreement between myself and the original creditor bearing my signature, proof of any interest or fees authorized by the agreement, and once again all I got in return was the same invoice they previously sent. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Today I received notice via XXXX - XXXX XXXX and XXXX that there is an alert or collection from Ad Astra - Speedy Cash of a collection Acct in the amount of XXXX dated XX/XX/2021 - Ive reported this to Ad Astra - Speedy Cash - via email - registered mail and my attorney XXXX XXXX - No one could verify my info - I filed an FTC affidavit online today as well w My IDs I received NO NOTICE - no call - no mail or email of any type - I reported this to the XXXX XXXX PD Id theft unit today as well - Theres no Acct number or any other verifying data Delete this fraud Acct immediately

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

Complaint narrative:
I had a loan through XXXX XXXX XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.

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 2021-04-04 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: TN

Complaint narrative:
I had a loan through XXXX XXXX  XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: TN

Complaint narrative:
I had a loan through XXXX XXXX  XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have a second mortgage on my home thru us bank. In the fall of XX/XX/2020 the bank notified us that the area where our home in has been reclassified and now lies in a flood plain. I obtained flood insurance thru my agent and fema. US bank is charging me XXXX dollars a month on top of my mortgage to pay for flood insurance. Despite me calling multiple times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and giving them my agents information to get my food insurance, they continue to charge me for this unnecessary insurance. I don't know where else to turn

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 2021-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is also with Wells Fargo I had a XXXX XXXX  XXXX k I think around {$840.00} around there in a account at Wells Fargo well recent little the account has XXXX $ in it the account was closed and disappeared now the account is back and has XXXX  $ what happen to the XXXX $ that was in there just wondering

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Comerica
State: AZ

Complaint narrative:
Comerica Bank USA has sent me a letter, that I owe them {$180.00}. 17. the letter is dated XX/XX/2021 I have never had a bank account or a credit card or a debit card or a loan from Comerica Bank They are threatening me to pay this amount, otherwise, they will report me to Collection Agency The so called Fraud Investigator is XXXX XXXX, telephone number is XXXX This is 100 % fraud, and I am not sure may be XXXX XXXX is also fraud, and hence I am not prepared to call her, and divulge my identity I request to please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX we were denied a refinance loan from Bank of America XXXX BOA ), Loan # XXXX with Loan Officer XXXX XXXX. As a result we lost {$27.00} for the Credit Report Fee and {$820.00} for the Appraisal Fee. BOA denied the loan because they claimed out condominiums insurance coverage was not up to their standards and therefore citing the problem as " Collateral : Ineligible Property Type ''. However, our condominiums management company at the the time, XXXX XXXX XXXX, did have the issue resolved with the building 's insurance policy and made par to BOA 's request. 

We know this to be true because the issue of the loan denial was brought up to the attention of the our homeowner 's association, XXXX XXXX XXXX XXXX, at their XX/XX/XXXX meeting. After their investigation they found that the building 's insurance policy was up to Colorado state standards. Finally, as further proof that the building 's insurance is acceptable, the same property was successfully refinanced on XX/XX/XXXX with the same insurance as the denial date for the BOA loan in question. On top of that, numerous units in the same association have refinanced and sold between our loan denial and now with the same exact building insurance.

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 2021-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Account resolution Cor is reporting on my credit report. I advised them I never received a letter and had no idea this account was in collections on the last day of XX/XX/2021. They advised me they would get me a letter out, I have yet to receive it but they did report this negatively on my credit again today. Can I at least get a validation letter before they start tanking my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have never came into a valid contract with southwest credit systems. 
At this time they are violating my consumer rights by not sending me a letter to find out how to dispute this matter. 
They are also violating my consumer rights by reporting that I owe a debt to them without first validating the debt amount of {$160.00}. 
I have sent out a debt validation letter to Southwest Credit Systems. 
XXXX XXXX the CEO of the company on XX/XX/2021. 

Southwest Credit Systems, in accord with the Fair Debt Collection Practices Act [ 15 USC 1692 et seq. ], provides verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury ; or provide a copy of a judgment, sworn by wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against claimant. 

Notice is hereby given to Southwest Credit Systems to CEASE AND DESIST from any further collection activities prior to validation of purported debt in regards to Alleged Account : XXXX, pursuant, but not limited, to the truth in lending laws of the United States Code, Title 15, Sec. 1601 et. seq., the Fair Debt Collections Practices Act laws of the United States Code, Sec. 1692 et. seq. and the conditions stipulated in this presentment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
My BINANCE.US account has been locked disabled for more than a month and that is a long time with no explanation or response from a real person. No chat available and no phone listed. Just automated bots. I am still able to deposit funds for trading but I can not trade. I can not withdraw funds I can not sell positions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I tried to rent an apartment and was denied even though my credit score is XXXX. Apparently something not known to the public is that a credit score doesn't matter anymore instead there is a separate credit score called a residential report. My residential report is XXXX  even though I have never had an eviction or made any late payments on any rental that I have occupied. This residential score can't even be viewed on the transunion report. This is an obscure unknown report that is being hidden from consumers and should not. Everyone should have access to their residential report. And it should be based on rental history only

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
THIS 3RD. PARTY VENDOR NAMED RESURGENT CAPITAL SERVICES BOUGHT AND OBTAINED AN OLD BANKRUPTCY CASE FROM XXXX  XXXX  DATED FROM XX/XX/XXXX THIS ACCOUNT WAS CHARGED OFF ON XX/XX/XXXX AND THE CHARGE OFF DATE WAS XX/XX/XXXX, THE AMOUNT OF THE DEBT ASSIGNED WAS {$660.00} ACCOUNT NUMBER ENDING IN XXXX WITH AREFERENCE NUMBER OF XXXX, ALSO THEY BOUGHT ANOTHER ACCOUNT ACQUIRED ON, DATED XX/XX/XXXX CHARGE OFF AMOUNT WAS {$660.00} CHAGED OFF DATE WAS XX/XX/XXXX, ORGINAL CEDITOR DATE WAS XX/XX/XXXX ; THIS RESURGENT CAPITAL FAILED TO ABIDE THE CEASE AND DISIST LETTER SENT OUT XXXX, THEY CONTINUE TO HARRASS ME ABOUT ANY DEBTS THEY BROUGHT OR OBTAIN FOR THE SOLE PURPOSE OF OBTAINING A COLLECTION ON A DATE.

Company response to consumer: Closed with explanation