vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied for a 25 year conventional mortgage from Wells Fargo to refinance my existing Wells Fargo mortgage. Wells Fargo denied the application. It appears to have denied the application based on pre-Regulation Z debt-to-income ratios. I say appears to have because it has also refused to issue me a written, detailed description of the reasons for the denial, and further refused to issue that written description in large print pursuant to the Americans with Disabilities Act. It claims that only billing statements are available in large print.

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 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX  Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on MIDLAND CRED. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on FIRST FEDERAL CREDIT C XXXX Balance {$2100.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SVCS XXXX  Balance {$1500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: CO

Complaint narrative:
On or about Mr. XXXX XXXX XXXX Colorado department of XXXX XXXX  # XXXX. XXXX XXXX admitted to damaging the direct express debit card by running it over with a XXXX XXXX XXXX however the damages are inconsistent with tire damage. Received XXXX XXXX debit card. The balance was approximately {$6400.00}. I had XXXX and he threw my personal property to the street and I was XXXX  and still do not have a permanent residence. Mr. XXXX is under investigation in the following domestic violence cases : Fwd : Case XXXX XXXX XXXX XXXX XXXX Case # XXXX XX/XX/XXXX XXXX county Colorado XXXX XXXX XX/XX/XXXX XXXX XXXXe investigation and keep the peace order officer XXXX responded to XXXX XXXX XXXX. XXXX XXXX Colorado XXXX XXXX XXXXase XXXX XXXX XXXX  court XXXX XXXX XXXX Courtroom XXXX ( on going high conflict XXXX XXXX ) Case Report # XXXX XXXX XXXX XXXX XXXX Colorado # XXXX and # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account was discharged through Chapter XXXX XX/XX/XXXX but still reporting XX/XX/XXXX, XX/XX/XXXX which is reaging account over a year and should be paid current status and not derogatory. I have repeatedly tried to fix this error with all 3 bureaus and the XXXX XXXX XXXX with no success.

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 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX  Credit Bureau is reporting inaccurate information on AD ASTRA REC. Per FCRA, reporting must be 100 % accurate or the information must be removed. Asses this reporting by making a revision of the information provided. Change and perform any corrections or eliminate this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has 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 creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM XXXX  Balance {$710.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: DISCOVER BANK
State: TN

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the DISCOVERBANK account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

AVANTE XXXX Balance {$54.00} ; AVANTE XXXX Balance {$200.00} ; AVANTE XXXX Balance {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX EQUIFAX EQUIFAX DISCLOSURE DEPARTMENT XXXX XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : Collection Agencies Name XXXX XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , PA XXXX Account : XXXX To Whom it May concern : Please be advised I have requested validation ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violate my rights according to HIPPA. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above name original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. This is my second letter and I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-11-13 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: CNG FINANCIAL CORPORATION
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: AR

Complaint narrative:
So on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 52 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 50 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the Eqiufax data breach possibly gotten into the wrong hands of someone who is not me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: TN

Complaint narrative:
I was in school and all my accounts were deferred, they must have mixed up my file with someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : Collection Agencies Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX City, State, Zip XXXX XXXX XXXX PA XXXX Account : XXXX To Whom it May concern : Please be advised I have requested validation ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violate my rights according to HIPPA. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above name original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. This is my second letter and I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM 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 explanation
Consumer complaint received 2021-11-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A couples of weeks ago. I called Transuion XXXX Asking about my credit score and why it is so much lower than XXXX. I was told by the person on the phone that my last 4 digits is being used by someone else. Supposedly they fixed the problem and said I shouldnt have any more issues. Recently I tried to make a pay pal account and was denied and the letter I was sent stated Risk of invalid Identity.I have never had this happen before. I obtained Transunion number from the internet but feel that was a fraudulent company I was speaking with.

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 2021-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint my self and there is no third party involved. 

I XXXX XXXX consumer, natural person and original creditor of an open end credit plan, was denied my right of credit by American Express. 

I was notified of the transgression of my rights specifically 15 USC 1601- The Truth in Lending ACT by American Express on XX/XX/2021 via U.S Mail. 

In order to evaluate my credit worthiness American Express obtained information from a third party who had no permissible purpose to furnish a consumer report. 

Pursuant to 15 USC 1681b ( 2 ) a consumer reporting agency must first obtain written instructions from the consumer to whom the information relates in order to furnish a consumer report. 

As a natural person possessing an open-end credit plan, I was harmed by American Express in the form of an adverse action taken against me by denying my rights as a consumer to benefit from a consumer credit transaction.

Pursuant to 15 USC 1681m ( b ) ( 2 ) ( c ) ( ii ) information used to take an adverse action does not include information in a consumer report.

It would be a violation against 15 USC 1691 to discriminate against me simply because I exercised my rights as a consumer under Title 15 USC chapter 41.

The civil damages for such an action pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) are up to ( {$5000.00} ). 

The civil damages for any violation of 15 USC 1691 are up to ( {$10000.00} ) American Express is now civilly liable to compensate me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have been banking with the bank for more than 4 years during this time unfortunately my account was compromised several times and I reported it on time to the bank. Followed there dispute process and everytime the disputes were resolved under my favor. 
My monthly salary and my late husbands pension gets transferred to this bank since then. And this is the o my bank I have as my primary bank. All my direct deposit is and ach towards rent bill pay and autopay and insurance goes from this. 
Suddenly bank decieded to close the accounts stating banks decision. 
This has created a huge turmoil within my financial transacting position. My payroll and all other deposits are affected and am not able to get my banking done. 
I have been emotionally stressed and need urgent help.

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 2021-11-13 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: Thrift Investment Corp.
State: NJ

Complaint narrative:
I filed a dispute in regards to the incorrect Items on my credit report. It has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I filed a dispute in regards to the incorrect Items on my credit report. It has been well over 30 days and I have not received any investigation 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