vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Management Services, Inc.
State: CA

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

The XXXX Credit Bureau is reporting inuaccrate information on ACCOUNT MANAGEMENT SER ; 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Received website online " pop up ad '' promising to remove harmful personal content on the internet. XXXX XXXX XXXX was the internet " pop-up advertising. The pop-up generated an account XXXX that stated " XXXX XXXX XXXXXXXX, " will have earned its fee only upon a successful removal. '' XXXX practices deceptive online marketing practices there was absolutely no services of any kind rendered to the " USA Citizen Voting Consumer. '' There are three levels of corporations to make this online business potentially more predatory to XXXX searching consumers. First, Corporation : XXXX XXXX XXXX is an International Corporation operating outside the federal jurisdiction of the USA. XXXX XXXX XXXX, or XXXX ( XXXX ), is located at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX. The Corporation, contracted by ( XXXX ) XXXX operating a minimum wage contracted " boiler room telemarketing center, '' calling themselves XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Third, Corporation is a high-pressure debt collection firm named Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX  submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Repeatedly contacted by Comenity Bank for a debt that I know nothing about nor does it belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: CA

Complaint narrative:
Caller claimed an old account from 15 years ago that was XXXX $ telling me they will sue me for XXXX was yelling and violent behavior claim to be with XXXXXXXX XXXX XXXX, then seemed to be threatening me with the fact they have all my information somehow, XXXX  the phone number and it says they're a scam thier number is XXXX when I said I thought they were a scam they started calling me restricted approximately 25 times in a 30 minute period either hanging up right away or say mean things and hurl insults then hang up

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 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I used to have a Wells Fargo home mortgage that account was closed in XXXX and sold to a different company I no longer have that account. But after reviewing my credit report that account have been reporting active to the 3 credit bureaus every month since the start of XXXX, I contact Wells Fargo about the issues and to remove the account on my credit I was told they can't help because I no longer have that account with them. Remarks are being added to the account by Wells Fargo dropping my scores by XXXX points every month.

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 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Apparently XXXX XXXX sold my bill to BULL CITY FINANCIAL has reported a debt on my credit report! Ive received no voicemail or mail regarding this debt, whatsoever! Now my credit report has lowered by 51 points due to debt being requested as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I called Kabbage because my personal phone number came up on my bank statement instead of my business phone number for my customers. I simply needed this changed, A phone rep told me they would call me back in a day or 2 while they fix the issue. I never received a call. That same day about 2 hours later my account was restricted and they asked by email for my business documents. I sent those over. Today Wednesday XX/XX/XXXX I had to reach out to two of my customers to be reimbursed because kabbage refunded my customers after I submitted proof to them these transactions were legitimate. I am confused and not sure what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: KY

Complaint narrative:
Recently NCB responded to my complaint, and admitted to reporting the incorrect dollar amount to the credit bureaus. NCB stated they purchased the account for {$16000.00} and are reporting this amount to the credit bureaus instead of the actual deficiency balance. Based off FDCPA and FCRA you are not allowed to report the wrong dollar amount, inaccurate information, or incomplete information. The information is incomplete as the documents you submitted do not outline how you come up with the {$16000.00} you are reporting. Im simply going based off your most recent explanation/ response as how NCB come up with this dollar amount. Again, the documents you provided do not state the {$16000.00} as the deficiency balance. Please report the accurate delinquency balance to the credit bureaus and remove the collection account immediately as the dollar amount you are reporting is not the accurate deficiency balance. 

Also, you didnt provide documentation of the last bill statement, documents confirming how you came up with the {$16000.00}, or provide anything stating I am able to dispute or even took the initiative to upload documents through cfpb. Maybe CFPB can take a look to see where the inaccuracies are. 

Again, your company has been aggressive and not satisfied my request to remove the collection. It IS a violation of the FDCPA and FCRA and I demand it be removed. 

If not removed, my next step will be to hire an attorney and take the matter to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: MoneyLion Inc.
State: CO

Complaint narrative:
I got a alert on XX/XX/21 stating that my credit score has changed so I logged on to my credit journey and seen that there was a open account for Money lion that was opened on XX/XX/21 and I was late paying so my credit has drop. I immediately searched up money lions phone number I spoke to the rep explained to him that I never opened this account and never heard of money lion, He told me that someone opened a account and took out {$300.00} XXXX  and {$500.00} loan I asked him how do they just give someone money without verify someone information he said it was verified I asked with what information, He said he couldn't tell me that cause he didn't have that info, Makes no sense, I told him I wanted to speak with someone in the fraud department, he said he opened a claim and someone will contact me via-email within 7-10 days. I waited 20 days still no response, I once again contacted them still cant get a hold of anyone. I called again today XX/XX/21 because this keeps hitting my credit score I cant get a hold of anyone. This company is a fraud i have worked so hard to build my credit for them to be ruining it and no help to resolve this nightmare. I have contacted all 3 credit bureau and its under investigation. Hopefully this is resolved ASAP. Money lion needs to be shut down asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: DISCOVER BANK
State: TX

Complaint narrative:
Ive been in contact with DISCOVER on multiple occasions in regards to this matter. 

They have violated my rights under the FCRA, FDCPA, The Privacy Act Of 1974. XXXX has disclosed my private information including my phone number, address, name and social security number to credit reporting agencies and other third party vendors.

The Privacy Act Of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. 

DISCOVER violated this act they had no permission by me the consumer to disclose any of my private information.

They also violated my rights under the following statutes.

15 USC 1692b Acquisition Of Location Information. - Shall not state a consumer owes any debt.

In which reported on my consumer report that I owe the a debt. In which the debt has already been paid in full.

15 USC 1681b Permissible Purpose Of Consumer Reports ( 2 ) In accordance with the written instructions of the consumer to who it relates.

I never gave DISCOVER any written consent to disclose any information on my consumer report.

15 USC 6802 Obligation With Respect To Disclosures Of Personal Information A financial institution my not directly or through any affiliate disclose to a nonaffiliated third party no public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

DISCOVER did not provide me with any notice about disclosure of my personal information to any non affiliated third party. That includes credit reporting agencies or any other data recording agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

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

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove the incorrect account below from my personal credit file : ERC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Mortgage Company : Select Portfolio Services, ( SPS ) Mortgage Account Number : XXXX Property : XXXXXXXX XXXX XXXX  XXXX, XXXX CA XXXX On my credit report SPS incorrectly reported I was in foreclosure on XX/XX/XXXX and XX/XX/XXXX. My account is current and I was not in foreclosure during this period. 

I called in XX/XX/XXXX and first told that they did not submit any negative reports to my credit record. I would need proof to show SPS posted incorrect report. 

On my second attempt XX/XX/XXXX, I spoke to SPS Representative XXXX, I told her I had proof that the SPS did report I was in foreclosure. Her response is the report is correct. I can TRY to submit request for correction to the credit bureau but it will take 30 days however, their records show it's correct. 

I did try to speak to my Relationship Manager XXXX with no success. My calls were immediately redirected another representative. 

I am extremely frustrated with SPS with their consistent misinformation and lack of assistance. I feel they are holding me hostage. 

I am requesting for your assistance to have SPS correct my credit report. This has caused me undue hardship. Any help will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX appears on my credit report. This is not my name. I have never gone by or used this name.

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 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I reported a claim of an unauthorized fraudulent XXXX transaction to my bank, Wells Fargo. Wells Fargo denied my claim. It should not be denied because an unauthorized person gained access to my mobile phone and made an unauthorized transfer of {$2000.00} without my knowledge, consent or approval. Under Regulation E, this was an Unauthorized Funda Transfer and Wells Fargo should provide relief, approve this claim and reimburse my account with the {$2000.00} which was transferred electronically without my authorization, consent or knowledge. Thank you.

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 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

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

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. SEQUOIA FINANCIAL SVCS XXXX Balance {$1100.00} ; 2. SEQUOIA FINANCIAL SVCS XXXX Balance {$2600.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

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 ENHANCED RECOVERY CO L XXXX Balance {$450.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

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 unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
WELLS FARGO 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 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My Citibank checking account was compromised over 4 months ago and they decided to close it ; however, they never sent me my {$620.00} or the balance remaining. I have called them over 40 times only to be hung up on or placed on an eternal hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The reason for this complaint is, I submitted a payment for my auto loan from my bank and to Bank of America for my auto loan. I submitted a payment on XXXX in the amount of {$260.00} 5 days later I called to confirm a payment was submitted. I spoke to a representative they did not receive a payment. Bank of America rep opened up a ticket but for some reason the ticket was closed. When I checked my back I realized that I had the account number wrong by one digit I corrected the account number and submitted a second payment for the amount of {$260.00}. I have called 10 times spoke to 10 different representatives only to be transferred to 10 different supervisors with no resolution. I have sent 5 emails with the proof the funds was taken out of my account and 5 emails no response I called and spoke to a rep XXXX and she asked me to send it again I waited on the phone until she confirmed she received my email. She did and days later still nothing has been done. At this point I feel Bank of America has stolen my money because I was told that if the information on the account number did not match that they would return the payment or issue me a check by mail. I have yet to receive a response yet alone my account credited, payment returned or refunded. So I want to file a complaint in hopes to either get a refund or have the payment posted to my account. Its been 28 days and I have yet to have Bank of America respond by email or phone regarding this missing payment.

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 2021-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I want to know and have in writing what bank bought my home and paid off XXXX  XXXX XXXX? this is not violating the CCPA.

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 2021-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
i did not get my personel items out of a repossed car on XXXX and i received no paper work the day they took the vehical. i do not care about the car they wanted it back three years after we filed medical bankruptcy so they can have it all i want are my personel items returned to me

Company response to consumer: Closed with explanation