vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Porania, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

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

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

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

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

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

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

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

Company response to consumer: Untimely response
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
On XX/XX/2021 I received a call from Rocket Mortgage asking if I was interested in a refinance, I spoke to a guy named XXXX for about 5mins I was at work asked him to call me back at XXXX when I had time to hear the options, a few minutes later I received a text from XXXX to share his contact info at this time I informed XXXX NOT to run my credit, a day later I received a notification that I had a hard inquiry on my credit from Rocket who NEVER asked for permission to run my credit. XXXX did call me back at XXXX and said " we'll have to put your file on hold since you don't won't to run your credit '' then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/2021, I opened and funded a new TD Bank Beyond Checking account using a promotional offer that promised {$300.00} bonus. TD Bank refused to award me the bonus by claiming that I am not eligible since I received an account opening bonus 4 years ago. TD Bank did not mention previous receipt of a bonus as disqualifying condition in the bonus terms disclosed to me ( see the offer Terms attached ). 

I believe that TD Bank 's action regarding my bonus is clearly deceptive, and I kindly request that you investigate this bank for Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

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

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

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

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

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

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

9. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine.

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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted several disputes to TransUnion regarding an incorrect reporting by the Connecticut Department of Social Services who continues to incorrectly report my monthly payment history on a child support account that was opened fraudulently by the consumer reporting agency. The credit report shows that I have past due monthly payments in XXXX which is completely not accurate and erroneous. I have disputed this error numerous times with Transunion and the company is fraudulently reporting the errors as correct. Connecticut Department of Social Services has been garnishing weekly payments from my account to pay the weekly payments on-time since XXXX and therefore the payment history and credit rating disputed involving this reporting has been incorrect for the past 16 months that has caused other financial institutions to approve loans and credit cards because of the payment history that is being reported fraudulently and the errors not removed.

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 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have opened several fraud claims with wells fargo in regard to erroneous XXXX transfers that were not made by me. XXXX  XXXX dollars have been fraudulently removed from my wells fargo account. I have contacted wells fargo on NUMEROUS occasions. They stated they could not track where the money went being that XXXX is a 3rd party service, but I recently got a notice in the mail where they were able to track 1 of the claims. How is this possible when they could not track the other claims to verify which account they went into. Wells fargo is playing a game and stealing my money. Why can they not track all the other claims? They just pick one claim and now they can all of a sudden magically track where this one.went. Why can't they track the other claims? I ' ve been a wells fargo customer for over 15 years. I closed my account because of their horrible customer service and the unwillingness to due their due diligence and protect their customer. Please track all my other claims and you will see that this money that was stolen went to fraudulent accounts because the recipient did not receive the funds and I did not send the funds

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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management placed a negative debt tradeline on my credit on XX/XX/2021. This is a collection debt that was purchased by Midland Credit Management, but they keep applying it each month, as if I've agreed to pay it, or as if it's an open credit debt. From my understanding, a debt creditor is only allowed to put a negative tradeline debt collection on my credit reports once. They are reporting it as new on my credit every month and it has greatly affected my credit. Over the last 6 months they keep submitting it to the credit reporting agencies as a new negative tradeline. 

The most current negative mark from Midland Credit, is XX/XX/2021. 

I have not received any letters from Midland Credit Management. Nor have I made any agreements to make payments with them, or opened an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

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 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 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 2021-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I filed a complaint about Citizens One Home Loans with the CFPB ( XXXX ) about their irrefutably deceptive behavior over the course of the last year. 

On XX/XX/2021 after filing this complaint, I finally received a loan modification packet prepared by XXXX XXXX, outlining the terms of an agreement to begin on XX/XX/2021. I signed this paperwork, and it was notarized by XXXX XXXX. ( Commonwealth of Pennsylvania ) On XX/XX/2021, XXXX XXXX signed the same packet on behalf of Citizens, and it was notarized by XXXX XXXX, ( Commonwealth of Virginia ) On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX sent a letter out to the CFPB and I saying the loan was undergoing a modification with an estimated completion prior to XXXX XXXX, implying the issue had been resolved. 

The letter also stated that a review of my account shows " many customer service representatives tried to return my calls, they were not answered and the voice mailbox was full and a message could not be left '' This is an undeniably false statement. Not only do I have an unlimited voicemail plan with my carrier, but I have answered every single phone call at every hour of the day and night for the last 14 months and will happily provide phone records confirming material fraudulence. 

XXXX XXXX called me today, after sending this letter to both me and the CFPB to tell me that despite having a mutually signed and notarized agreement, the modification was still 'going through processing '' and it may or may not be completed by XX/XX/XXXX. 

I asked her what else needed to be done for the modification to be official and valid, considering both consenting parties signed and notarized the documents, she was also unable to answer my question. 

When I asked her what further processes the paperwork I and Citizens both signed and had notorized needed to go through to confirm the modification she was unable to answer my question. 

She said she was not able to confirm my payments would resume on XX/XX/XXXX, as stated in the paperwork both XXXX and Citizens one home loans signed and notarized. 

Based on these responses, it's hard to tell if the purpose of the paperwork was to run the clock out on the CFPB complaint or to actually create an agreement between the two signing parties. 

Based on my experiences with this company over the last year and a half, I have no reason to believe this loan modification will go into effect on XXXX first. 

If past behavior is any predicator of future behavior, I would say there is a high probability they are going to attempt to use vague and obscure technical jargon which they are unable to even define or parameterize as plausible deniability to delay this process even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Avantus, LLC
State: MD

Complaint narrative:
I submitted several disputes to XXXX  regarding an incorrect reporting by the Connecticut Department of Social Services who continues to incorrectly report my monthly payment history on a child support account that was opened fraudulently by the consumer reporting agency. The credit report shows that I have past due monthly payments in XXXX which is completely not accurate and erroneous. I have disputed this error numerous times with XXXX and the company is fraudulently reporting the errors as correct. Connecticut Department of Social Services has been garnishing weekly payments from my account to pay the weekly payments on-time since XXXX and therefore the payment history and credit rating disputed involving this reporting has been incorrect for the past 16 months that has caused other financial institutions to approve loans and credit cards because of the payment history that is being reported fraudulently and the errors not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AES/PHEAA
State: NC

Complaint narrative:
I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against FedLoan and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against XXXX and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.

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 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against XXXX and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I made a payment to American Express on my Personal Loans account. The payment did not initially clear as my employer was late releasing reimbursements to me because of COVID related staffing issues. Amex immediately re-presented the check and it was then cleared by my bank. I have called Amex multiple times and even did a conference call with our bank with AMEX who confirmed that the funds were released from our account to Amex via ACH on XX/XX/XXXX. Our account with AMEX still reflects that the payment was returned and we have not been credited for the funds they received on XX/XX/XXXX. Amex has also advised that we have 'one profile ' and they have retricted our ability to utilize the XXXX XXXX  because they still show the payment as not being honored. We have been AMEX cardholders since XXXX. My credit line or in Amex speak purchasing capability has essentially been eliminated and now all payments require a five day hold! I called this morning and after an extended hold got a recording that their systems were not working and they could not help us. I am very dissapointed in AMEX, so much for showing any empathy or understanding during COVID, I have literally spent hours on the phone with AMEX to resolve this to no avail. Everytime I call I get routed to collections ( even though the account is current ) and then get emails after the fact that I have made a " promise '' to make future payments. Something is very wrong here. I suspect the customer service agents I am talking to are in fact collection agents and instead of resolving the issue they get paid incentives to get reflect on my account that a " promise '' has been extracted even though that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: CA

Complaint narrative:
First collection svcs/ICS account : XXXX, created XX/XX/XXXX, amount {$300.00}, for XXXX XXXX - this account was disputed and deleted ( XXXX XXXX  ). First collection svcs/ICS account : XXXX, created XX/XX/XXXX, amount {$300.00}, for XXXX XXXX - this account was disputed but still remains on my credit report ( XXXX, XXXX  ). Both accounts are for the same bill, with different account numbers created by the collection company. Also, the account created XX/XX/XXXX was deleted before the XX/XX/XXXX ( XX/XX/XXXX was created/reported first ), but not deleted, which does not make sense. The account XXXX should be deleted as well. The collection company is creating false misinformation because their numbers and dates are all mixed up. At the time I received the hospital services, I was 100 % covered under a hospital financial program, which covered all bills incurred. I have attached files from credit report and hospital letter.

Company response to consumer: Closed with explanation