vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: CA

Complaint narrative:
There are two XXXX accounts reporting on Equifax and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 I called a company named " A XXXX XXXX XXXX XXXX  '' @ XXXX. The person who answered the phone said " This is XXXX ''. I then asked " Is this XXXX XXXX XXXX, the company that does the XXXX XXXX XXXX? '' To which he answered " Yes it is ''. I did not find out until the next day that he was a rival competitor stealing business from XXXX XXXX XXXX by pretending to be them to fraudulently obtain credit card data. I have attached a letter explaining all. Bottom line, I was charged {$400.00} that I did not authorize to a company called XXXX XXXX. I reported the theft to Bank of America and followed their dispute policy to the letter. I furnished BOA with all documents they requested including the police report, yet they chose to ignore the facts, added interest and penalties to a card I never opened, and turned it into a bad debt. I have attached pertinent documents. I do not understand how BOA could ignore the facts. Nor do I believe they investigated this theft, as I am the victim, but was never contacted by a BOA investigator.

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 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
There are about 4 checking accounts that where closed over the past 4-5 years due to overdraft! I made agreement with the banks for a payment that is owed, I would need a removal off XXXX XXXX an credit report! And the did not honor that! Banks : XXXX XXXX XXXX, citizens bank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THERE ARE LATE PAYMENTS IN THESE ACCOUNTS THAT ARE INCORRECT, I ALWAYS PAY EVERY ACCOUNT AND I NEVER WAS LATE. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in regards to a business saving account with Wells Fargo. My payroll was hacked and fraud occurred. A payroll payment was withdrawn from my saving account and deposited into another unknown Wells Fargo account. I reported the fraud to my payroll company. They stated they would contact Wells Fargo. Wells Fargo declined to refund the payment due to insufficient funds on the unknown account and said to contact them directly for a fraud dispute. I contacted Wells Fargo and submitted a fraud dispute. They rejected the dispute because they stated it was not reported within 24 hours. I made an additional complaint about the decision. I received an email to call them so they could get more information, I called and replied to the email. They still have yet to return any emails or voicemails. I find it very suspicious that the fraud happened with another Wells Fargo account. They have the ability to know who opened that account and the persons information. It seems as if they are trying to cover up fraud that occurred.

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 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I SENT A LETTER OF DISPUTE ON XX/XX/2021 FOR XXXX, EXPERIAN AND XXXX  TO VERIFY SOME STATUS OF MY REPORTS AND IT HAS BEEN 30 DAYS SINCE I SENT THEM THE FIRST SET OF LETTERS AND THEY HAVE NOT RESPONDED. ON XX/XX/XXXX I SENT THEM ANOTHER SET OF LETTERS THIS TIME CERTIFIED AND IM WAITING ON THEIR RESPONSE.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
This Account is closed and the account removed about a year ago from my reports. Now it is added back after the co. Sold the account. And the Company that bought it is also reporting it and giving a different amount that was owed and open status and a brand new date for this account as to when it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
There is false Debt collection item being reported on my credit report history from company called : RENT RECOVERY SOLUTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit collection called XXXX XXXX XXXX in XXXX has inserted the account account that was deleted back on the credit report. The information that they have on it is no longer valid. It has been on my report for more than seven. It violates my rights under the Credit Bills of Rights. They are claiming its current. I never had a payment plan. It was never discussed. I have never had a job, and I am XXXX. 

Equifax is refusing to comply with deleting the inaccurate debt collection from my report. 

I am homeless and in need of housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
We chose Loan Depot to do a cash-out refi of a rental property and then use that cash to pay off a 2nd property. 
We were asked to provide all of our documentation ( 2 months of pay stubs, rental agreements, 2 years tax returns, mortgage statements on all properties, insurance documentation on all properties, 2 months bank statements for multiple banks, driver licenses, etc ) which we did on time. 

Loan Depot scheduled a close date which happened to be on the exact date the payoff statement from property # 2 expired. We only received an e-mail communication on the date and time and we confirmed we would be home for that appointment. The closer never showed up. Now we have to re-work the loan estimates on a new closing date with a different payoff statement ( cost of {$25.00} ) and possibly lose our interest rate lock as well. 

I have repeatedly called and e-mailed our Sr Account Manager, The Process Manager and the Processing Director over the past 3 days. I have left multiple voice mail messages because none of these individuals pick up the phone. In the past 3 days I received 1 call back from the Process Manager who stated she got a message that I called, but didn't know anything more than that ( even though I provided a very detailed message about what the problem is what they can do to help ).

If I attempt to go through the main customer service line, I get stuck in a continuous loop with multiple people pushing toward some unavailable line that dumps me back into the abyss.

Three days. Not a single, helpful return call. None. We have no idea if we will close on this loan and have already paid processing fees, payoff statement fees and appraisal fees. It has now been 45 days since we started this process and with no idea when it will end.

If we wait any longer our rate lock will also expire ( Loan Depot already extended it once ). At this point Loan Depot needs to resolve and explain how we move forward with no additional costs and with the same interest rate. If we can't get that done, I want my money back. I moved forward in good faith that they would be able to complete this loan process. If they can't provide the service promised, then I should not have to pay for items as part of a failed attempt ( on Loan Depot 's side ) to complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I tried to access my Revolut account via their mobile app. the app kept crashing and it said they were having techinical issues. 

After I was finally able to log on, I tried to add money to my account via a debit card of another bank account, which did not work. It immediately triggered some sort of fraud flag. 

Via their verification review in their app, they asked me to take a selfie with one of my other connected bank cards to verify it. They additionally asked me to take a selfie with another card that I no longer have because the connected account was closed ( and card shredded ) over a year ago. I kept trying to explain one of the debit cards linked to the account no longer exists to their chat representative ( that's all they offer their paying " premium '' members ). I repeated it several times until she finally got it. And then, boom, I get a notification they have locked me out of my account indefinitely and they don't know when I will be allowed access to my funds. Additionally, they say I can not receive inbound funds, log into my account, transfer funds, etc. 

Moreover, I have a significant ACH transfer on the way to this Revolut account and am concerned because they say they will not take incoming transfers. When I asked " XXXX '' in customer chat if those funds will be returned to the initiating institution he keeps repeating that while they have denied me access to my account, they will keep my funds safe until I pass their " review '' -- - they refuse to answer if my incoming ACH transfer will be returned to my initiating bank. 

I pay for a premium " membership '' for this account that they have now seized without reason. As you can see in the chat, they will not tell me why or when I can access my funds. 
This bank -- backed by XXXX XXXX XXXX -- consistently crashes, locks users out of their funds and provides no real customer service besides chat bots. I spent four hours today trying to get an explanation or answers. 

Before they permanently locked me out of my account, you can see the attached screenshot where the " verification process '' is shown as being submitted on XX/XX/XXXX, but reviewed on XX/XX/XXXX -- when actually this all took place today XXXX XX/XX/2021 ) and not in a time warp. 

These unethical accounting errors, swapped out dates, shutdowns, and technical glitches are common and not to be trusted. 

As you can see in the chat transcript, it took me four hours to get responses and they still do not read for comprehension or answer the questions asked -- just flippant, canned responses -- and now, radio silence. Again, I pay {$9.00} a month for the privilege to speak to a chat bot concerning when I can access my money. Thanks in advance for any assistance you might be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THERE ARE LATE PAYMENTS IN THESE ACCOUNTS THAT ARE INCORRECT, I ALWAYS PAY EVERY ACCOUNT AND I NEVER WAS LATE. 
XX/XX/XXXX Account Number : XXXX XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a Chase account reporting on XXXX  and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: TX

Complaint narrative:
On XX/XX/2021 I received a letter from Credit Control , LLC demanding the payment of {$1300.00} for a XXXX 's account that they have not shown legal proof that this account belongs me, legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. I called their office and sent a letter requesting these documents on the same date. This company has failed to respond with any information. 

I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.

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 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
In XX/XX/2021 I got a phone call and then a letter from a collection agency called Receivables Performance Management LLC. They said that I owe XXXX to XXXX XXXX XXXX for a XXXX XXXX bill for services at XXXX XXXX XXXX XXXX Ky XXXX. I do not live at that address and never authorized anyone to open an account in my name. This bill has to be fraud. I have written to that collection agency several times and talked to them on the phone several times. They told me to keep it off my credit report I need to file a police report.I filed a police report for fraud with The XXXX police department. The incident report number XXXX. I then sent to information to the collection agency. It still went on my credit report which caused my score to drop 52 points.I am still receiving notices from them saying I need to pay the bill.

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 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife paid my credit card bill for me on XX/XX/2021 for {$400.00}. The customer service rep at the window asked her for her social security number. This is the most invasive thing ever. Her state issued i.d . is enough. This is a security risk. I don't what this person will do with her social security number. I am not happy with this and should not happen with any other customer. The REF : XXXX XXXX XXXX XXXX XXXX ( Payment {$400.00} ) This payment was made at XXXX CST time account ending in XXXX. This is intrusive and sketchy. I think this has potential of stealing her information. This should never happen at this branch again nor any other Capital One location. Nobody should have to give there social security number to make a payment for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX of collection reported on my account/collection letter sent to me, Wakefield and Associates add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately. According to HIPP law they have no right sale my personal health records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA

Complaint narrative:
A person by the name of XXXX XXXX working for a company by the name if XXXX XXXX XXXX contacted my family members about an urgent situation and stated to have me call them back. I was not read the fair collection rights statement and the company stated they would not be able to verify the supposed debt and that I would soon be given a summons to appear in court. My current address is public knowledge and I have not received anything from this company ( yet she stated I have " received certified letters '' from them at this address which is entirely false. If they are in deed a debt collection company, they have violated many laws. It is my gut that this company is attempting to scam people out of money and should be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Fraudulent hard inquiries on my credit profile

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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I received a letter from Credit Corp Solutions demanding the payment of {$1700.00} for an unknown account # XXXX that they have not shown legal proof that this account belongs me, legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. I called their office and sent a letter requesting these documents on the same date. This company has failed to respond with any information. 

I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: CA

Complaint narrative:
There is a XXXX account reporting on TransUnion and XXXX that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it 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 2021-05-19 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: CA

Complaint narrative:
There is a XXXX account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: MD

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation