vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX sent me a deletion letter to my email. It was a copy of the same letter that they sent over to the 3 credit bureaus. The account was from ( XXXX ) {$110.00} negative collection account that wasn't mine. I settled this with XXXX and they agreed to have the account removed from my credit report. XXXX, XXXX  and Equifax deleted it. Now, this year ( XX/XX/XXXX ) my credit file with XXXX  was completely deleted and could not be seen. I called in on ( XXXX XXXX ) and spoke with a representative and I was told I had more than one file. They merged the files and my credit report was fixed so, I thought. Upon pulling my file, all of a sudden I noticed previously deleted information resurfaced on my credit report. So, I called back to XXXX  and discussed it with another representative since, I could not speak back with the previous one. I was told that the accounts were reported on my file and that they only put on my file what is reported. I called XXXX XXXX back and, was told that they had not reported any account on my credit report. They had deleted that old account from their system 11 months ago. Basically, XXXX  took the deleted files and placed them in a separate file instead of deleting them permanently. Thereby, creating multiple files that later mess up the system and delete the credit reports down the line. They then, take the previously deleted files and merge them again with the accurate credit file. Causing you the consumer to continue to go through unnecessary dispute challenges over and over. The list of previously deleted unverified Fraudulent accounts are as follows : 1 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$4300.00} 2 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1000.00} 3 ) XXXX  XXXX  Reported : XXXX. XXXX, XXXX {$4300.00} 4 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$610.00} Here are the inquiries on my XXXX  report, that magically appeared on my report after they merged their files. I never applied to any of these places. 

-XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX -XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My mortgage company Mr. Cooper and the FHA refused to do a loan modification or partial claim due to the fact that my ex-husbands name is on the loan. I haven't seen him since XXXX, no clue where he is. I understand they have rules but I have got to believe that rules are meant to be broken or modified due to certain circumstances. I had proof that I had made all payments since XXXX. In XXXX I was out of work for 8 weeks because I'm a XXXX and business was slow when we returned. I was expected to pay the mortgage company {$8200.00} in a lump sum and pay the remainder over 3 months with my regular payments. I've lived in the house since XXXX, so I have no desire to move but the mortgage is trying to bankrupt me because of something that is out of my control. I was in a forbearance since XXXX of XXXX. If I would've known the fine print of all the rules, I wouldn't have done a forbearance at all. The forbearance did not help me at all. I also expressed my complaints to the FHA but all they said was that the mortgage company was following the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Somehow I got my accounts mixed up in a purchase that was suppose to be linked to my bank account instead it was my saving account which had no funds in it, however Schools first proceed to charge an nsf fee for something they didn't even pay 4 times over. This should have been automatically rejected and no fee assist. I would think an nsf fee should only apply when an item is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 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: TX

Complaint narrative:
there are 2 accounts on my reports that I asked to be investigated but was never done. XXXX 'XXXX  XXXX I disputed XX/XX/XXXX and XX/XX/XXXX status date shows XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX I disputed XX/XX/XXXX and XX/XX/XXXX once again Status date show XX/XX/XXXX these account was never investigated and I would like them deleted. I will upload proof. Delete at once

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
there are 2 accounts on my reports that I asked to be investigated but was never done. XXXX 'XXXX  XXXX I disputed XX/XX/XXXX and XX/XX/XXXX status date shows XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX I disputed XX/XX/XXXX and XX/XX/XXXX once again Status date show XX/XX/XXXX these account was never investigated and I would like them deleted. I will upload proof. Delete at once

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 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
As a result of Capital One buying and selling a debt I created through credit sales unbeknownst to me I have been violated. I am an affected consumer and natural person. Debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by your company for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. Both Capital one and the debt collectors identifying as attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). Capital One furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give Capital One my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including XXXX XXXX who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. Capital One and XXXX XXXX also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. I am including in relation to the debt a Debt Validation Letter, Cease and Desist Letter, Rescission Letter, Unearned Interest Letter, and Credit Billing Letter. I referenced the Capital One account number and included the documents in the attachments labeled Enclosures, It has been received by the law firm who employs debt collectors XXXX and XXXX. I will include a copy of the USPS electronic receipt that reflects the documents were received XX/XX/2021 at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NCD Financial, LLC
State: VA

Complaint narrative:
I have been with NCD Financial since XXXX of XXXX and have notice that there is a huge issue with the Update Your Payment Option. Many of times I have submitted my new Payment Option to just come back to the site and realize it still hasn't update at all. This has happen again but only this time impacting my Credit Score causing my Credit Score to drop over XXXX Points. I just check the site again as im typing this and again. The payment option still not corrected. This has greatly impacted my immediate life being that im in the process of purchasing a home and at the moment hindering me. Also according to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received any of such yet a negative report were furnished on my report. Now under 15 usc 1981n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. All im asking is the payment option update process be corrected and this one time late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX Tuesday evening. I received my Equifax credit report in the mail and you have my name wrong it should be XXXX XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX because I changed my name as of XX/XX/XXXX so it looks like someone has changed my name back which is fraudulently unauthorized. I want all names deleted besides my new name. I want all addresses deleted. I want all phone numbers deleted and have no phone number on my account. I want all inquiries deleted especially XXXX XXXX because I did no such thing with XXXX XXXX because I have been discriminated against by people who are using my identity for 20 plus years as if my stolen is portfolios is there. And since you have the wrong name then that means you have the wrong information and I want every address deleted because I did see the address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX as well as XXXX XXXX XXXX XXXX XXXX  XXXX with the without the apartment XXXX XXXX Nevada XXXX needs to be deleted off my credit report. As well as XXXX XXXX XXXX address XXXX XXXX XXXX XXXX Texas XXXX date open XX/XX/XXXX and was put on chapter XXXX XX/XX/XXXX. It needs to be deleted off my credit report please. XXXX XXXX is stalkers and they need to get off my credit report I have no knowledge of these people I don't even know why they keep continue to being on my credit report will you please get these people off my credit report with the address of XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX as of XX/XX/XXXX is Ally please get this off my credit report thank you. Another one that needs to get off my credit report because they are stalkers I have no knowledge of these people I owe them no money I have been dealing with this every since XXXX and trying to remove these stalkers off of my credit report and their name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have had an old navy card for many years, but have never requested a different card or requested a VISA card with this company. I received a Old Navy Visa in the mail that I did not request, do not want, never wanted. I read the small enclosed " Important Changes to Your Account Terms '' booklet and noticed that if I did nothing it would be like accepting and was upset at this. I called on XX/XX/XXXX to let them know I did not want the card, had not requested the card, and felt like they were trying to fraudlently force this card on me. At this time I was told that my opt out was recorded and the card would be removed. Months later I made a purchase at XXXX XXXX using my regular store card and when I went to make a payment online I noticed the Visa was on my account. I called AGAIN on XX/XX/XXXX and was told that they weren't sure what happened, but they were logging it as I wanted to opt out. When I checked AGAIN XX/XX/XXXX to make sure this happend it was still there. I also received a letter saying they needed more information to be able to fulfill the request from XXXX. When I called for the third time on XX/XX/XXXX I was told that they were filling out the " correct request form '' and that I would be hearing from an account manager my mail within 30 days. At this point I dont believe that they have any intention of removing the card from my accounts and are just trying to string me along. I have also been told that this happened as a convienece to me or as a perk for me for being a good client. This card was not for my benefit, it was sent to earn their company more money. Perks for me would have enriched me, not them.

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 2021-07-28 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: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2019 Online Information Services added 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 their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

I have already sent several request for debt validation to Online Information Services, however they remained negligent and did not respond or delete the unverified account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have been applying for XXXX XXXX jobs for the last month. I recieved this email from a listing I applied to on XXXX  : Dear Candidate, We were impressed by your background as a XXXX/XXXX  XXXX  and would like to invite you to interview with us. 
You'll learn more about the position as we get to know you better. Looking forward to your response! 
Regards XXXX XXXX Human Resources Recruiter at XXXX XXXX I then did two interviews with them and was sent this email : Hello XXXX XXXX, Congrats on your new hire, It is my pleasure to extend the following offer of employment to you on behalf of XXXX XXXX ; this letter sets forth the basic of terms and conditions of your employments, please review the term set forth in this letter carefully, and do not hesitate to make enquiries from me where necessary. 
Regards. 
XXXX XXXX HR Manager at XXXX XXXX. 
I then was given a hr rep for training and that is XXXX XXXX and we used XXXX and his id 's for the app are DESKTOP ID : 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 XXXX XXXX XXXX XXXX XXXX and PHONE ID : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filled out work paperwork and emailed them back and then was given money to deposit into my account from their supposed bank. These checks were used to send to their " vendors '' and get gift cards for product that was on the invoice they sent me, which is below : Product XXXX  XXXX Pro ( 16-inch, 16GB RAM, 1TB Storage, 2.3GHz XXXX  XXXX  XXXX  ) XXXX XXXX XXXX Product XXXX XXXX XXXX  XXXX Wireless Monochrome Laser Printer XXXX XXXX XXXX Product XXXX XXXX  XXXX Cross-Cut Commercial Grade Paper Shredder XXXX XXXX XXXX Product XXXX - XXXX  XXXX XXXX Full-Frame Mirrorless 4k Video Camera XXXX XXXX XXXX Product XXXX XXXX XXXX Wireless Headset XXXX XXXX XXXX Discount PROMO CODE : XXXX XXXX XXXX XXXX NOTES : Payment Methods : XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX I was told I will get this equipmetn by my start date of XX/XX/XXXX. Today, the checks bounced and now I am -XXXX  in my balance and I am liable for the money. This XXXX XXXX has delted the chat history and the phone number disconnected. I also called XXXX  XXXX ( the bank on the checks ) and they said that they did not send any checks and that it was fraud.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
RE : Citi XXXX The credit card company resolved the dispute in my favor, but only for {$1.00} ( amount of sales tax ). The disputed amount was {$31.00}.

Their letter claims that I " accepted responsibility for the amount of {$29.00} '' WHICH IS NOT TRUE! Why would I do that? 

They obviously know this isn't true and they're playing games.

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 2021-07-28 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: ALCHRO INC.
State: GA

Complaint narrative:
On XX/XX/2018 First Federal Credit & Collections added 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 their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, First Federal Credit & Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

I have already sent several request for debt validation to First Federal Credit & Collections, however they remained negligent and did not respond or delete the unverified account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I set up a XXXX $ a week payment arrangement .. I was able to pay XXXX XX/XX/2021 and should have been good for months from this point on The collection department has called 5 to 10 times a day since stating I'm late I called to find out what happened to my payment arrangement and they told me it was void cuz I paid to much and that's not how it works .. I was repeatedly interrupted when asking I asked several times for a supervisor and was passed off to another non supervisor who would not give there info so I can file a complaint. I called back asking for a corporate number I was given 2 numbers that directly brought me back to collections.. I've asked them for covid help and got nothing I've asked for supervisors got another collection agent. They have lied to many times setting up promises of hope then without notice canceled my payment plan

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