vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a few inquiries that I see on my report that are fraudulent. I have contacted the creditors as well as the Bureaus and the creditors have no accounts with my social in their Data Base. The Bureaus are telling me I need a letter of deletion. The creditors are unwilling to provide these and I need these inquiries removed as they were not initiated by me. XXXX and XXXX will not cooperate XXXX was able to remove two of them that was reporting to 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 non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A 60 day late from XXXX XXXX appeared and an incorrect balance appeared. Ive spoken with XXXX me, they lowered my payments and I have made payments every month. I contacted them and was told that there was a system glitch for the negative 69 day reporting and the incorrect balance. I need this corrected and removed and reflecting my correct balance. I just received a statement from XXXX XXXX that I owed XXXX dollars.

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 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX financed through Bridgecrest. I traded the car in on XX/XX/XXXX. There was a delay with the dealer, so they received the payoff XX/XX/XXXX. At that time I was told the payoff was short {$83.00} and Bridgecrest applied that payment on XX/XX/XXXX, 2021.To this day ( XX/XX/XXXX ) the majority of the payoff has still not been applied and they are now seeking to repossess that vehicle. They are also reporting negatively to my credit bureau. I have called 16 times, 8 of which I was promised this would be forwarded to a manager. I have been told by several employees they can see when the payment was received and can not tell me why it is not being applied.

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 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I paid my account off to IQ Data international XX/XX/21 for the balance of {$670.00}. The company marked my payment late as XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: MO

Complaint narrative:
I was denied for an auto loan from my credit union XXXX XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of 2017 while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX XXXX XXXX XXXX however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau XXXX Transunion XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.

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 2021-10-01 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: MO

Complaint narrative:
I was denied for an auto loan from my XXXX XXXX XXXX XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of XXXX  while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX XXXX XXXX XXXX however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau Equifax XXXX XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XX/XX/XXXX I called Chas Bank concerning my debit card/ID told them my information had been compromised. The representative said the XXXX wallet could not be used since I don't have any XXXX products. An email/text was sent to me informing me that I had added my debit card to a XXXX wallet . The Chase rep said I did not need to worry about transactions from my account since my debit card was now cancelled and a new card was being shipped to me. However on XX/XX/XXXX, {$1000.00} was taken from my account and sent to XXXX to buy crypto. Again the representative from Chase told me a claim was being made for me because of the fraudulent transactions. She also said I should expect a credit to my account within 10 days. I did not receive a claim notification in email verifying that I had spoken to Chase and the claim was being processed. However on XX/XX/XXXX, transactions totals of {$1000.00} was taken from account from XXXX. Total missing from my account {$2000.00}. That same day I went into a bank branch. The manager closed/froze my original account and created a new account for me to access. 
The next morning I received a letter from Chase saying no action would be taken ( I did not agree to this ) and that my inquiry is resolved. My claim is not resolved, they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-10-01 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: NJ

Complaint narrative:
I have contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-10-01 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: NJ

Complaint narrative:
I have contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Accord Business Funding, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I received a phone call from a gentleman saying he was representing an attorney by the name of XXXX XXXX. The phone number he used to call me was ( XXXX ) XXXX. Knowing I do not have any debts, I suspected it was a scam and hung up the phone. The man then proceeded rapid texting me in a harassing way, making threats to place liens on my current business. He referenced my personal bankruptcy, and that I was still operating a former business, however the referenced business has been non-operational since XXXX. I did not respond to the initial text messages. He then proceeded to text me again on XX/XX/XXXX, again making threats to send liens to current clients, who have nothing to do with my former business, and stating their is a UCC lien with my Secretary of State, saying they have been asked to enforce it. That is a lie. He then proceeded to tell me to call his phone number, which was a different one than the one he was texting me from. This number was XXXX. I have maintained this text dialogue on my phone should it need to be reviewed. We went back and forth in communication, where I told him the business of which was included in my bankruptcy he was referencing has been non-operational since XXXX. Also, despite saying he represented XXXX XXXX the day prior, he now said his name was XXXX XXXX, and the attorney 's name is XXXX XXXX of XXXX XXXX. He finally said the creditor is XXXX XXXX XXXX, but no mention of amount, account #, etc. I reviewed my bankruptcy, of which was filed in XXXX, and found them listed in the bankruptcy as a creditor. He says his next step is to send me an email. I did not send him my email, so I do not know if he will truly do that, or if he actually has a copy of my email. Regardless, he is harassing me, and I need it to stop. He has no justification to collect this debt that was discharged in bankruptcy court. All creditors were notified prior to the court date, and no one showed. Therefore, he needs to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
We were in the forbearance due to covid 19. Since coming out of it, we have been trying to get a mortgage modification with no success. We received a response to our loss mitigation application on XX/XX/21. On XX/XX/21 within the 14 days allowed, we asked for more information on how the decision was reached. Today, XX/XX/21 while our formal loss mitigation denial appeal is being processed, Mr. Cooper scheduled a sale date of XX/XX/21. I believe that this sale should be cancelled until such time as we can review the requested information and make an informed decision. 

We should have a right to see and investigate how the decision was made to deny us before a foreclosure sale is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this COMNWLTH FIN ( Original Creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MORTGAGE CENTER, LC
State: MI

Complaint narrative:
XXXX continues to report the account as past due and the foreclosure sale happened in XX/XX/XXXX. The property sold at sheriff sale for {$230000.00} and the balance due to the lender Mortgage Center was {$160000.00}. I received the difference plus {$7500.00} from buyer for immediate access ( see attached ). In spite of repeated letter and emails to the Mortgage Center the account continues to report incorrectly on my XXXX credit report. XXXX does not report XXXX and XXXX stopped reporting activity in XX/XX/XXXX. 

Back Story My XXXX  year marriage ended in XX/XX/XXXX. In the divorce I received the marital property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time the XXXX mortgage was with the Mortgage XXXX in the amount of {$170000.00} in my name alone and entirely my responsibility. 

Unfortunately there was also a second mortgage in my ex husband name only with XXXX  XXXX XXXX for around $ XXXX which he used for business. Although he was ordered by the court to continue to make payments on that second mortgage, in XX/XX/XXXX I learned that the second was in default and that he had completely stopped making payments. Because of fear of foreclosure and also becoming homeless with my XXXX children, I chose to protect my family and purchased another home in XX/XX/XXXX. When I moved I was able to find a tenant to lease the home for $ XXXX month for 12 months which allowed me to cover the mortgage, tax payments, and insurance. Once they moved out and the property taxes went up to non-homestead rates I could no longer afford to continue to make payments on the home. 

I was also unable to sell it because of the second lien which was my ex husband 's responsibility. I had no other option than to allow it to foreclose to settle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: AZ

Complaint narrative:
Disputed a company XXXX reporting on my Transunion Credit Report XX/XX/2021, XXXX, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. I have not received any documents proving that this account belongs to me.

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 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the 3 Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: NJ

Complaint narrative:
I contacted the XXXX, TransUnion, XXXX, and XXXX multiple times to correct the errors on my account. All 4 CRAs have violated my consumer rights by reporting inaccurate information and have failed to properly investigate my inaccuracies. Please see the list below : I have filed an FTC report # XXXX. These accounts are not mine and I have never been seen at any of these medical facilities. 
XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX My car has not been repossessed and having trouble getting a report as proof. 
XXXX XXXX XXXX Repossessions

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