vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I believe XXXX XXXX XXXX billing department better known as University Accounting Agency, attempted to report Double Jeopardy Tradelines and a bogus claim to the Credit Bureau, namely XXXX, on my credit report. I have disputed the information reported from XXXX XXXX several times and still the matter has not been updated or resolved. 

*XXXX  reported 150 days late in XX/XX/XXXX. However there is no 30, 60, or 120 days late reporting prior to the XX/XX/XXXX. 
*XXXX proceeded to report a 180 day late and then a Charge Off on the account in XX/XX/XXXX. 
*XXXX continued to report a Charge Off in XXXX and XXXX of XXXX. 
*However, all of a sudden, XXXX begins to report OK on my credit report from XXXX XXXX XXXX 
*Then in XX/XX/XXXX XXXX reported 180 days late on my report through XX/XX/XXXX. 
*XXXX  then turns around and report OK on my credit report XXXX & XX/XX/XXXX *Lastly, in XX/XX/XXXX AGAIN reported 180 days late. 

I would like XXXX bogus and misleading practices investigated. I am requesting that XXXX XXXX either delete the account from my Credit Report ( s ) or delete the fraudulent reporting after XX/XX/XXXX because the account had been Charged Off XXXX and should not have continued with it's to untrue reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
WAYFAIR AND COMMENITY IS REPORTING MY XXXX  CARD XXXX, THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED LONG BEFORE BANKRUPTCY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: CORELOGIC INC
State: MI

Complaint narrative:
There several inquiries on my credit report that shouldnt be there. On inquiries on XXXX, Credco- XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XX/XX/2021, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, Credco 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 explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I am looking at our loan agreement. 

There is no penalty for early payoff. There is also nothing that said there were closing costs in the loan. When we called and wanted to make sure that we could cancel the autopayment they told us that there was a closing fee. 

This was never disclosed. 

We made a payment of {$42000.00} on XX/XX/2021 before the Loan started. 
We then made a second payment of {$130.00} on XX/XX/2021, of which XXXX cents was refunded to us. 

I would would like a credit for {$130.00} for the deceptive closing fee that was not disclosed to us at the time of signing. 

There is no line item for the closing fee just what was told to us over the phone. What i see is some weird additional principal for {$27.00} and interest of {$0.00} a fee of {$100.00}. Again that fee was never disclosed to us. Additionally there is no way that we can have principal on a loan that we paid off on XX/XX/2021.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX representing XXXX have filed a collection report on my credit report. My XXXX  dropped 22 points! The amount is {$1300.00}. This is absolutely not my account. I have no knowledge of this account or the bogus debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: PA

Complaint narrative:
I contacted Equifax and spoke with XXXX XXXX. I was treated as a criminal and not a consumer. They treated my call as frivolous. I try to be proactive and get notified when my credit file is being used and I don't feel supported by the credit bureaus. I have a police report number in the letter I attached to this complaint as well as a complete Identity Theft report. The inquiries listed were not authorized by me. I did my due diligence and contacted the creditors directly. They could not validate the information. They could not help me find out who apply by giving an IP address etc. They were not helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't 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
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Today, Friday XX/XX/XXXX, I received a letter from Wells Fargo Auto. The document states ( verbatim ) : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX Subject : Duplicate credit error for account ending in XXXX Dear XXXX XXXX XXXX : We are writing o let you know that, due to a processing error, the payment you made on XX/XX/XXXX, was credited twice to Auto loan account. We deducted only one payment from your bank account and reversed the duplicate credit on your Auto loan account. We apologize for any inconvenience.

What you need to know - Depending on the timing of your monthly Auto loan state, you may see two payment credits reflected on your next statement. Because of this, your statement may not correctly reflect your next payment due date.

- To verify payment information, including your next payment due date, sign on to your account at wellsfargo.com or call us at the number below. 

We're here to help If you have questions, please call us at XXXX, Monday - Thursday, XXXX XXXX to XXXX XXXX, Friday, XXXX XXXX XXXX XXXX., and Saturday, XXXXXXXX XXXX. to XXXXXXXX XXXX. Central Time. For customers with hearing or speech disabilities, we accept telecommunication relay service calls. 

Thank you. We appreciate your business. 

Wells Fargo Auto XXXX ( XX/XX/XXXX ) Wells Fargo Auto is a division of Wells Fargo Bank, N.A. All rights reserved. 


It is convenient and an interesting development when I am only four Auto Loan Payments away from paying off my Wells Fargo Auto Loan. What Wells Fargo is doing is deceptive business practices, I have all statements and receipts for my monthly Auto Loan Payments. Wells Fargo is incorrect, and all payments I have made towards my auto loan need to be honored ; in short, four payments remain. I am happy to file litigation against Wells Fargo with the help of my attorney. 

I look forward to hearing from both CFPB 's Offices and Wells Fargo, in writing via email or traditional mailing methods. 


Very Respectfully, XXXX XXXX XXXX, XXXX. 
XXXX XXXX, Retired ( 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 explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I did not receive my overage escrow check in the amount of {$900.00} that you said you sent XXXX on XX/XX/XXXX. I sold that property at that address in XX/XX/2019. I have not lived there for two years!. I have repeatedly provided my current address to PHH mortgage. Why are you not acknowledging my current address! My current address is attached. PHH mortgage look at the attachment that is my current address. Overnight my escrow check to my current address. This is my 4th complaint.

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 2021-07-30 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: AL

Complaint narrative:
After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
A townhome had been rented from " XXXX XXXX '' by myself and XXXX other parties. After move out, we had assumed everything had gone smoothly, until 6 months later a collections company sent us a letter requesting repayment for carpet replacement. The " XXXX XXXX '' never contacted us at our new addresses concerning carpet problems. We filed a an official dispute with the FMS Financial Solutions per the letter and corresponding attachments, because both the claim that the carpet was damaged, and the value for which we were being billed was incorrect. Due to the legally binding documents signed by both parties ( Attached ). In fact, they had attempted to bill was for several XXXX dollars over the cost of the carpet replacement ( invoice attached ), against both the signed document and Maryland Law. The value was corrected, and although they still claimed damage to the carpet, we paid to be done with the matter, however now it appeared on my credit, which should never have happened given the aforementioned and attached communications, which verifies that the original debt claimed for collection was billed incorrectly, and against the both Maryland Law, and the signed document between us as tenants, and XXXX XXXX as the landlord.

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 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
I am not in arrears with this account with XXXX. This is a scam, and they do not even have the right account number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: GA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY FRAUD SOMEONE STOLE MY IDENTITY PURCHASED SEVERAL CARS GOT CREDIT CARDS HOUSES AND LOANS. WHEN I CALL THE AUTHORITIES THE PERSON ( S ) FILED A BANKRUPTCY TO HIDE THE FACT THAT THEY HAD STOLE MY IDENTITY. IT WAS PROVEN THAT IT WAS NOT ME WHO OPEN THESE ACCOUNT. MOST OF THESE ACCOUNTS HAS BEEN REMOVE BUT I SEE THERE ARE SOME STILL LEFT AS WELL AS A BANKRUPTCY THAT SHOULD NOT BE ON MY REPORT I HAVE SENT IN PAPERWORK TO ALL THREE OF THE CREDIT AGENCY AND HAVE NOT GOTTEN A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On Friday XX/XX/XXXX {$8700.00} was deposited into my account to buy a car. The money was in my account clear. The car company went to charge for the full amount it was declined. They then tried to charge my card for half the amount which was declined. Citibank then takes upon themselves to debit {$4900.00} to the company but no release the funds so they could receive them. They refused to release the funds or the rest of the money to make the transaction go through. I still have not been able to get the car my account is locked with over XXXX in it and Im just not hearing its due to a XXXX a day spending limit I never agreed to that no one will raise. I expressed to multiple that I would stranded behind this matter today and no one would help me resolve it. In fact they stopped answering my calls abs when they did they put me on hold and never came back to the phone. Citibank is terrible. I wouldnt do that to any enemy let alone a customer. They left me stranded and have my money locked. I cant get a rental car food nothing.

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 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I placed a transfer/withdrawal requested for approx XXXX ETH ( XXXX USD ) from Coinbase Pro on XX/XX/XXXX at XXXX XXXX. 

The transfer has been in a status of " Pending '' ever since and has not been executed or canceled. 

I contacted Coinbase for resolution XX/XX/XXXX via their " contact me '' page but have only been addressed by automated responses. I replied with the requested information ( including details of the transaction & screenshots ) and still have not been contacted by a customer service rep. I requested this issue be escalated but have not been contacted. 

a total of 7 emails has been exchanged and Coinbase has not attempted to resolve the issue. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I've been disputing these account for the pass 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've been disputing these account for the pass 6 months

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 2021-07-30 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: AL

Complaint narrative:
After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

Sincerely, 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 explanation