vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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:
Equifax did not provide me a notice at all, especially within 5 days of changing my late payment history I disputed in early this year. My dispute asked them to update all late payments regarding BOTH of my DEPTEDXXXX accounts. They updated all late payments to paid as agreed and then they switched it back to late payments. This is violation of the FCRA. Additionally, XXXX is being shown as a collection that was last reported on XX/XX/2017. This indicates that they did not investigate after I submitted my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: CA

Complaint narrative:
When I was reviewing my credit reports on Experian, XXXX and XXXX I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.

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 2021-09-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT, THERE ARE UNAUTHORIZED INQUIRES ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am in the process of attempting to refinance my house with a different mortgage company with the hopes to combined my 1st mortgage with Mr. Cooper and a 2nd mortgage XXXX XXXX XXXX that I am dealing with recently on a 2nd mortgage what I thought was included in a bankruptcy back in XXXX. Before the 2nd begin attempting to collect in late XX/XX/XXXX, I was in the forbearance program with Mr. Cooper. I'm in the refinance escrow stage and new lending company requested a verification of mortgage from Mr. Cooper and the report is indicating that I was delinquent during the forbearance period. It is my understanding that Mr. Cooper is not reporting this information as delinquent to the credit reporting agencies ; however, they are indicating on this mortgage verification to the new lending company that I was delinquent during this forbearance period which is not accurate and this is causing the refinance not to go through which can truly cause a hardship and the possibility of XXXX XXXX XXXX not willing to work with me and choosing to move forward with a foreclosure process. XXXX XXXX XXXX, the refinance lending company and I have discussed this discrepancy with Mr. Cooper on several occasions via email, phone calls with no resolution. They have proof of my forbearance approvals and extensions and we can't seem to understand why they continue to report delinquent on this mortgage verification which is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a credit card with Capital One, in the amount of {$6600.00}. I paid the full balance off the debt, with the last payment being made on XX/XX/2020. However, Capital One continued to report this account as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Creditor is clearly breaking the law by noncompliance or responses after stating the account was disputed XX/XX/XXXX. Creditor has failed to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I informed the creditor that if no proof is provided within 14 days from the receipt of this notice the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This creditor has failed to provide the proper legal documents and is well beyond the allowed XXXX notice to show such documents, given by the FDCPA. I demand the creditor remove the invalid claim from my credit report immediately or I would like to consider to begin litigation immediately. XXXX PA XXXX and state R ISA and MVISA STATUES THE DEFICIENCY CAN NOT BE CLAIMED UNLESS ALL OF THR REQUIRED notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. creditor has failed and his now 90 days with no response delete immediately .THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 



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

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

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

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

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

XXXX. Identity Theft BK OF AMER 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 2021-09-08 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: MD

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO VALIDATE THE STATED ACCOUNTS AND INQUIRIES, THE PURPOSE IS TO ENSURE THE ALLEDGED ACCOUNTS ARE PERMANENTLY REMOVED FROM MY CONSUMER REPORTS. THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION AND PURSUANT TO FCRA 605B ( 15 USC 1681C-2 ), THESE ACCOUNTS ARE IN VIOLATION OF IDENTITY THEFT AND FRAUD AND MUST BE BLOCKED IN DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 



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

XXXX. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

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

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

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

XXXX. Identity Theft XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-09-08 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: CT

Complaint narrative:
I have these accounts that are not mine and i want them to be removed. 



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

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 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: FL

Complaint narrative:
i acted upon my right to dispute innacurate information being shown on my credit report. i never got proof of verification of any of the disputes.they took just verified everything without Proof that's illegal. i want them to removed them XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

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 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
PayPal is attempting to collect an alleged debt that I do not owe. I entered into a consumer credit transaction, not a loan. They did not inform me that this was an attempt to collect a debt in our initial communication which is violating 15 USC 1692e ( 11 ). They are sending me a bill in the positive amount. I can not owe something that has a positive balance.

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 2021-09-08 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:
On XX/XX/XXXX I submitted a dispute regarding an unknown XXXX XXXX account listed on my credit report with a balance of about {$4000.00}. I sent follow up letter 's to the credit bureaus on XX/XX/XXXX after information came back verified. No response to how it was verified. I received notice from XXXX XXXX on XX/XX/XXXX that they were unable to locate any account information based on the information I provided, which was the account information they are reporting. I sent the letter received from XXXX XXXX to all three bureaus on XX/XX/XXXX and XX/XX/XXXX. I've file disputes electronically with support docs and called. Still, they continue to report this inaccurate information. This has caused me great financial hardship in higher interest rates for vehicles and I'm unable to get bonded at a decent rate due to this error. I'm not sure what else to do. This account is not mine I contacted the company and even my ex-spouse to see if he got this card in my name. He said he didn't and XXXX XXXX can't find it. Please help

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 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Debt Group of NY
State: WA

Complaint narrative:
We are told on phone that we are charged for carpet replacement while vacating the apartment complex. When we were vacating, we were told only a spot in one room needs to be replaced. However, it seems full house carpet replacement fees has been charged. We tried to obtain details of the charges but were denied and threaten to pay the full amount or else it will be reported to our credit history. We also tried reaching out over email but did not receive any response. 
Date vacated : XX/XX/2021 Amount : ~ {$1200.00} ( we never received a bill, only a call from debt collector )

Company response to consumer: Untimely response
Consumer complaint received 2021-09-08 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I got a lump sum payment from XXXX instead of retirement. The intent is to pay off my Mortgage, but my mortgage provider won't give me the paperwork I need in order to initiate the wire transfer. I contacted them at the beginning of XXXX, toward the end of XXXX as well as filling out the payoff form request online. I called them again last week, and they say they sent it. 

I still want to pay off my loan, but it usually takes literally a two-hour wait, on hold- to get a live person on the phone.

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 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I was reviewing my credit reports on XXXX, Transunion and XXXX I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.

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 2021-09-08 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: CA

Complaint narrative:
When I was reviewing my credit reports on XXXX, XXXX and Equifax I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: FL

Complaint narrative:
i acted upon my right to dispute innacurate information being shown on my credit report. i never got proof of verification of any of the disputes.they took just verified everything without Proof that's illegal. i want them to removed them XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

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 2021-09-08 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: FL

Complaint narrative:
i acted upon my right to dispute innacurate information being shown on my credit report. i never got proof of verification of any of the disputes.they took just verified everything without Proof that's illegal. i want them to removed them XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
First, Mariner Finance 's website altered my payments when I submitted them online. On XX/XX/XXXX ( XX/XX/XXXX ), I submitted a payment intended for XX/XX/XXXX ( XX/XX/XXXX ), but their online system changed it to the current date of XX/XX/XXXX. On XX/XX/XXXX ( XXXX ) I submitted a payment intended for XX/XX/XXXX ( XX/XX/XXXX ), but their online system changed it to the current date of XXXX. In neither case did I catch the discrepancy in time, nor could I cancel the payment. In both cases it caused my bank account to be overdrawn, though I did succeed in reversing the payments. Mariner Finance is not allowing me to make online payments, although the fault was with their online system and not with me, and obligating me to mail cashier 's checks or money orders. The most recent issue that prompted the present complaint is that I'm unable to see my balances, payment history, required payments, or billing statements online. Mariner Finance advised me to try their phone application. I tried it and it indicated I supposedly don't have an active loan. Mariner Finance states it doesn't provide paper statements. Therefore, Mariner Finance is in violation and out of compliance to meet its legal requirements to provide me with billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit
State: GA

Complaint narrative:
I sent a payoff check and it was received by VW Credit on XX/XX/2021 at XXXX XXXX. Today is XX/XX/XXXX and the payment has still not been applied. I receive calls daily from their automated system that my loan is past due. I have called them several times and they acknowledge they have the payoff but nothing gets done. My account is now showing 30 days past due. I spoke with a supervisor on XX/XX/XXXX and they supposedly escalated it but I still keep receiving collection calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a victim of gift card fraud. I was scammed {$2000.00}. XXXX Gift cards were purchased from XXXX and no employee raised a red flag. XXXX was purchased from XXXX. Credit cards need to adapt with new fraud cases. The so called {$0.00} XXXX program from CapitalOne and XXXX leave customers unprotected and with no coverage for lost money. Customers do not benefit from being scammed and have to come up with the money. The system is broken. I reached out and provided police report and case number for the input reportfraud.ftc.gov submission. They did not care. I know I am not the only victim and it is sad that these big credit card corporations fail their customers. I have been a user for many years, I have a XXXX XXXX of XXXX and have never filed a fraud claim like this.

Company response to consumer: Closed with non-monetary relief