vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I submitted a fraud report with XXXX for the accounts Nordstrom/TD bank, XXXX and XXXX XXXX XXXX. These accounts were charged off and placed as derogatory due to an incident of identity theft back in XX/XX/XXXX. Pursuant to Section 605b, these accounts need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Due covid payment late won't work with me ruined credit score. Can't find way to get out from under them term of loan not agreed

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I paid the company XXXX XXXX XXXX since XX/XX/2021 my balance due and retrieve my belongings before it went to auction. I provide receipts and proof of payment. ICS credit collection refused to remove item from my records and is claiming that i owed the balance {$850.00}. The storage company has attempted to report that has been paid but collection clients services is basing on a third party to get auction list and information. This has caused lot damages and pain to my credit and has prevented me prom accede to loan for my business or get a house mortgage collection company Company : I.C. SYSTEM, INC Address : XXXX XXXX XXXX, XXXX XXXX, MN 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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the credit reporting agencies ( XXXX, XXXX, and Experian ) my FTC reports regarding accounts from identity theft. I am demanding a BLOCK and REMOVAL of these accounts pursuant to 15 USC 1681c-2 that states a credit reporting agency shall delete information from the consumer 's file that a consumer has identified information that resulted from identity theft, no later than 4 business days. The following accounts are still being furnished on my consumer report that have resulted from identity theft : XXXX. XXXX & XXXX - XXXX, XXXX & XXXX XXXX XXXX, XXXX. XXXX XXXX - XXXX, XXXX. XXXX XXXX - XXXX. 

The credit reporting agencies are in direct violation by continuing to furnish these accounts pursuant to 15 USC 1681c-2.

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 2021-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I think someone used a card skimmer. I filed a compliant and the bank said the charges were authorized by me which they weren't someone literally used my card to by them. When I first filed a complaint the XX/XX/XXXX charges weren't there but now they are. I will be filing another complaint soon. 

XXXX are known as fraudulent charges so I don't know why it was said I authorized them. 

XX/XX/XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX # XXXX WITHDRWL XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL 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 2021-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Initially I was contacted by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. When I saw the email that she sent I called her, she explained that her call was because I was late with my payment. I asked her to give me a little more time because I was certain that I had made a payment sometime ago because the loan didn't actually mature until this year. I then emailed her and told her that I needed to know how much I was responsible for and when was the due date of the loan on going, as I never received any information. She gave me website address for University account services LLC a company that deals with their loan collection. We never received the terms of the loan the due date and now they are expecting to not mention that I paid {$250.00} on the account two years ago. I think that their business practices are not very good for communication and sketchy at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am the victim of identity theft. I have never applied for any individual credits with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
Shellpoint became the loan servicer on XX/XX/XXXX [ Ex. 1 at p.2. ]. Shellpoint did not provide timely notice of transfer of servicing to the borrower at the address listed in the mortgage documents. Instead, on XX/XX/XXXX, Shellpoint sent a notice to an unknown address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NM XXXX ) [ Ex. 1 at p.1. ]. Shellpoint knew the actual property address was as identified in the same notice at Property Address : [ Ex. 1 at p.2. ]. Thus the borrower did not receive notice that servicing was transferred to Shellpoint. 12 CFR 1024.33 ( b ). 

Shellpoint posted the specified address for Notice of Error and Information Requests on its website [ Ex. 2 ]. 

On XX/XX/XXXX, Shellpoint received the Borrowers Notice of Error at the address it specified [ Ex. 3 ]. Shellpoint did not provide an acknowledgement of receipt within 5 days. Shellpoint did not respond at all to the Notice of Error. 

Notwithstanding the aforementioned failures, the Borrowers Notice of Error asked Shellpoint to investigate the following additional 13 errors identified in the full complaint attached hereto. The borrower request written accounting for each error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
XXXX XX/XX/XXXX : I phoned M & T Banks credit dept. @ XXXX to enquire about a pre-approved offer for a personal, unsecured loan. In the course of our nearly XXXX conversation, XXXX ( XXXX XXXX ) neglected to communicate that an application for this service would automatically be denied in the absence of any residual income and/or employment. When he asked if I were employed, I told him that I was NOT. XXXX proceeded with the loan application survey anyhow. I offered up my vehicle and IRAs as collateral, and thought of every imaginable asset I have ( e.g. an antique chandelier ). At the end of the call, XXXX rambled off a series of terms and disclosures, which I could not possibly understand. I indicated as much. While I dont exactly recall if or what his answer was, I do know that I affirmed whatever information I provided XXXX XXXX for the financial inventory, was accurate and true to the best of my knowledge. That being said, I did not explicitly give my consent to the release of personal information, nor pulling my credit history ( file ). 
XXXX XX/XX/XXXX : I initially contacted M & T Bank @ XXXX to check on my applications status. XXXX ( XXXX XXXX ) told me it was awaiting income verification, and I reiterated that I wasnt employed. I asked if I could change the amount of credit requested, thinking that a lower figure would increase my chances of approval, but XXXX informed me that my loan application would automatically be denied without employment and/or residual income. I then asked to speak w/her supervisor, and was eventually put in touch wXXXX ( NMLS XXXX XXXX. XXXX said she needed time to review my phone call wXXXX, and told me she would get back to me by 5 that afternoon. After hearing nothing by 5, I phoned XXXX to see what she found out. XXXX deferred an answer to later that evening, or @ latest the following day. She committed to escalating the matter to management for further review, and said XXXX XXXX would take over. I asked XXXX why the delay in a decision. She said it was up to XXXX/management to determine whether or not to remove the hard enquiry incurred from my credit file/report. 
XXXX XX/XX/XXXX : I called XXXX back @ XXXX, after missing her early this afternoon, only to be told that request for removal of the enquiry had been denied.

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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called Capital One bank twice on XX/XX/21 to inquiry why I have to go though SMS verification every single time when I was trying to login on my phone. I talked to two representatives and they gave completely different and inconsistent answers. 

Representative 1 told me the reason was because I changed my phone number on XX/XX/21, which I didn't. My phone number stays the same since day 1 when I opened my account. 

Representative 2 came up with a totally different narrative and told me that's how Capital One bank is doing their business. According to him, Capital One expects me me to go thought 2 factor authentication ( 2FA ) every single time and said I was lucky for only need to do 2FA occasionally previously. He further stated that Capital One will stop sending me SMS codes after the 6th or 7th attempts, which means I will lose access to my online banking account. 

I also have a very hard time to understand both representatives due to their strong accent when I was trying to talk to the 2 representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eagle Accounts Group, Inc.
State: WA

Complaint narrative:
They charged my insurance for 2 appointments a surgery and an office visit. I never had a surgery I never showed up for that appointment, they fraudulently charged me for a visit that I never attended.

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 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: LA

Complaint narrative:
A company Dynamic Recovery ( XXXX ) XXXX contacted me for the first time today saying they want {$600.00} dollars for a debt and was very rude with me stating that they have emailed me many times notifying me of this debt at XXXX and I told them that wasn't my email and then she said she never sent anything to that address that was just a sample. I was never contacted about a debt before and the representative clearly stated that she has been emailing personal information to the wrong email. And Dynamics Recovery repeatedly harassing with multiple phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc.
State: IL

Complaint narrative:
I originally used my virtual card provided by XXXX XXXX  for XXXX XXXX XXXX XXXX to purchase what was supposed to be one item for XXXX. The company charged me an additional XXXX dollars for an item I did not authorize nor approve. I tried reaching out to the merchant several times just to be forced to deal with spam bots and robo dial systems that do not allow you to reach an operator. I also email the company and used their internal contact us form. XXXX XXXX claimed that they were not going to process the refund nor a dispute because I authorized the first transaction for the XXXX even though the other XXXX dollar transaction was a fraudulent unauthorized transaction I immediately tried to flag and also contact the merchant for. XXXX XXXX refuses to process a dispute or refund for the charges. I have already contacted the merchant and still have not received any product from their company nor official response. The number provided for the company is a robo system that hangs up on you no matter what time you call and it says you have reached them outside of business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: FL

Complaint narrative:
I already sent few rounds of complaint to your company but you still posting this negative information on my name. Its not mine! Im sure that someone used my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I received a notification that they placed a collection on my credit report. I have no clue where the Debt came from! I contacted the company ( Central Portfolio Control ) to get some answers and no one could help me and wasn't able to verify any debt I allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've never was employed by XXXX. 

Name below are all incorrect : 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 non-monetary relief
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed a time barred debt that XXXX XXXX XXXX re-aged with Experian requesting documentation by certified mail and online. On 3 separate occasions XXXX certified that the debt was accurate without providing any documentation and in each case Experian accepted the certification within 48 hours of a legitimate dispute. The alleged debt wasnt correct 12  years ago but Experian in each case accepted the debt as accurate and to date will not delete these incorrect and false delinquency reports. With my belief than neither XXXX or Experian will comply with lawful requests, I requested Meridians California agent for service in order to file a lawsuit only to find that Meridians agent for service is a Mail Boxes Etc. address which is illegal by California law making it impossible to sue them in California.

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 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian 's National Consumer Assistance Center at XXXX XXXX XXXXXXXX, XXXX, TX XXXX has received letters in reference to reporting incorrect information on my consumer report. On XXXX XXXX a letter was sent, Experian acknowledged receiving the dispute notice and responded as- the company that reported the information has certified to Experian that the information is accurate. Any information being reported must be 100 % accurate. 
Although the information is clearly reporting incorrectly, inaccurately and it is a violation to report incomplete and inaccurate experiences on the consumer report. This inaccurate reporting is a defamation of my character, showing willful negligence and willfuly reporting inaccurate data. The FDCPA 15 USC 1692 ( g ) clearly proided the violation along with FCRA 15 USC 1681 the violations of wilful noncompliance.

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 2021-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo business bank checking account has an unauthorized transaction {$2700.00} from XXXX XXXX XXXX ( attached ) on XXXX, Because I am sick and unable to notice it until XXXX. 
I called Wellsfargo and open a Claim # XXXX on XXXX, After 3 days, Wellsfargo closed the claim without any investigation on XXXX. Wellsfargo refused to reimburse me because too much time passed. Wells Fargo said the business account agreement requests to let them know within 30 days.but I dont know about it and Wells Fargo cant provide the agreement I signed. 
I also filed fraud inquiry to XXXX XXXX XXXX, but XXXX XXXX XXXX does not handle disputes regarding unauthorized payments made without my knowledge and ask me to ask my bank. 
This is 3rd time unauthorized transaction happen to this Wellsfargo business account. I want the Wellsfargo reimburse {$2700.00} to me. 

Thanks, 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