vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was checking my credit report and these accounts still on.. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  I have asked the company I C CREDIT SYSTEM to verify the medical collection on my XXXX credit report by providing a breakdown of fees including and and all collections costs and medical charges and provide a copy of my signature with the provider of service to release my medical information. I asked if a failure of a response in 30 days under the FDCPA and HIPPA collection laws all collection should be deleted. With dates posted above I filed disputes and it has been well over 30 days and have not been notified of investigation or results.

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 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
Selene Finance now bought my mortgage. It was transferred XXXX. 
They started sending me overdue payment letters immediately. I called and told them I was on a Covid 19 Forbearance program until XXXX. 

On XXXX I spoke to XXXX and was told they did not have that information. I had to contact the old mortgage co and have a letter sent to verify. 

I did that and sent it to their email address on XXXX and XXXX. They verified receit of the letter on XXXX. 

A letter dated XXXX which I received 2 weeks later stated they updated the forbearance thru XXXX. 

Today on XXXX I called to move forward and verify they updated my account and this is what happened. This is what I learned today. 
They sent a forclosure letter dated XXXX that I must pay all payments from XXXX thru today by XXXX total {$32000.00}. I thought that must be wrong and would not have any bearing since they finally updated the forbearance thru XXXX. 

Total time on the phone with Selene Finance was from XXXX thru XXXX. 

1. XXXX she understood that they did not have forbearance information for the prior months and was going to have her supervisor help to fix the situation. She went back and forth on the phone with me for over 1.5 hours while they were working on it. Then my call was put back into the Que to wait for another operator. 
2.XXXX- I told her the above and I would like to talk to a supervisor then she disconnected me. 
3.Called customer service again and on hold for 20 min and disconnected from customer service line. 
4.XXXX- Told her everything and she was going to look into it and then again disconnected. 

XXXX figured out the covid 19 forbearance info was not updated correctly. I have been on it for several months. There are no months in default for payment. I was on the forbearence the entire time payments were not made for the mortgage. 

This needs to be corrected. All information they requested was given and you would think the information was provided by the original mortgage too. XXXX XXXX XXXX XXXX XXXX Selene Finance has been billing me for months which is against the Covid 19 forbearance and now have me listed for a forclosure if all money is not paid by XXXX. 

This is all illegal. 

I have not received 1 accurate letter from Selene Finance. 

They also sent a letter stating I applied for a Loss Modification. That is fraudulent I did not fill out any paperwork they needed to first fix that I was approved for the Forebearance thru XXXX. 

Please help with this situation. I am unable to get any help from the customer service line. 

I was on a Covid 19 forbearance. All forebearnce information needs to be updated onto their records. This illegal default must ceese and is against all Covid 19 Forbearance rules. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express - Due to covid, late payment was posted XXXX XXXX after an arrangement to pay half then the rest within 2 weeks later. it was agreed that i would not have a negative report to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The status of this account is incorrect. It says it open when it is closed. When XXXX XXXX XXXX charged my account, they decide to cancel the debt completely. When this happens, I'm no longer have a responsibility to pay the debt. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. To conclude the company validated this account. I ask for a physical signature and social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX Received a call from a XXXX XXXX XXXX did not state what this was for or why they were calling, then said there contacting in regards to the order of location, that was been issued against you legally I do have to make you aware that once your claim is filed into the county becomes a matter of public matter of public record, I have been instructed to contact your employer and speak with your supervisor directly because it lokos like that is going to be the likely place of location, your legal right will be forefeited the phone number '' then they said to call XXXX, I spoke to XXXX XXXX and had casse # XXXX, did not say what it was for except that it was a " locked file '' and then said it was for a check n go loan? 

All of this violates, Fair Debt Collection Practices Act. It is false, misleading and harassing and scary when I'm at work. They've called my husband too. I will ask them to stop. 

I called back and spoke to XXXX XXXX at XXXXXXXX XXXX on XX/XX/2022. I said I am responding to your contact about a debt you are attempting to collect. You contacted me by phone today. You identified the debt as a XXXX XXXX XXXX loan. 

I asked her to please stop all communication with me and with this address about this debt. 

To also, record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.She said they are getting information to file a lawsuit or check in Go has 3 allegations against me they will find me to issue against me...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased a XXXX prepaid debit card at XXXX on XX/XX/22. 
I had {$500.00} uploaded on the card and I was told by the XXXX employee to call and activate the card. 
Upon my attempt to activate the XXXX prepaid debit card in which I now had {$500.00} on I was told that the card could not be activated and that it was a Netspend prepaid debit card. 
Nothing on the card, the inside or outside contents of the XXXX prepaid debit card indicated that it was associated with Netspend. 
I surely wouldn't have purchased it if it had. 
I was not given a reason why. I was told that I could not get an immediate return of my monies and that they would send me a check for {$500.00} in 10 business days. 
Netspend is using defective credit practices to sell these prepaid debit cards. 
They are not disclosing on the cards inside or outside that they are Netspend. 
They are doing the same thing they were doing when the FTC sued them and won {$930000.00} lawsuit. 
Yes, I did my due diligence. 
This company is a fraud! 
I have lost ti.e and money. I was to pay a state licensing to continue operating my company now I can't pay the fee because they have my money and refuse to immediately return it to my bank 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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I applied to refinance an existing mortgage with 5th 3rd Bank on XX/XX/XXXX, and submitted all the documents they requested. These documents included the following : Uniform Loan Application, Form 4506-T, Borrower 's Signature Authorization , Intent to Process, Social Security Income , and Pension Income, W-2 Forms. 
On XXXX, XXXX, XXXX was notified that Fifth Third needed some information : My most recent personal bank statement, all pages to document receipt and deposits of monthly pension and copy of my IRS XXXX IRS extension, which I did. 
In XX/XX/XXXX I sent a letter to XXXX XXXX complaining of the delay in processing my application because Fifth Third had lost my documents and delayed receipt of them when mailed registered and return receipt. 
On XX/XX/XXXX I mailed a letter to XXXX XXXX, President, Fifth Third Bank stating that the letter from his office dated XX/XX/XXXX but postmarked XX/XX/XXXX, in which his office said my application was closed as incomplete on XX/XX/XXXX. In my letter I asked why was my application closed as incomplete on XX/XX/XXXX when on XX/XX/XXXX his office requested additional information all of which I faxed to Fifth Third on XX/XX/XXXX? I stated that : " It is obvious to me that the loan officer looked for baseless reasons for denying refinancing when I have timely complied with all requests for additional information and when I sent duplicate information that was lost at your ( Fith Third ) end. 
On XX/XX/XXXX I received a letter from Fifth Third in which they stated : " Our decision to deny the loan application stands. Regrettably, we did not receive the required minimum documentation, through no fault of your own, You provided receipts as proof of having mailed the documents, however they never reached the Bank. Lack of required documentation is considered an incomplete application. '' I assert that the reason that Fifth Third denied my refinance application ( they hold the existing mortgage that have been paid on time, no delinquencies are any other problem with payment, my current credit is good to excellent, the loan to house valuation is high ) is because of my race -- XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Auto Finance on XXXX, XXXX, 2021 made an autopay withdraw from XXXX XXXX. This payment was returned due a banker error, I have physical documentation from XXXX confirming it was banker error on a XXXX letter head wth manager contact information. Capital One has made no effort to try to rectify this, I have called multiple times, sent credit disputes directly to lender in question. They have brushed me off, as a customer who has never any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
I just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-24 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: MS

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: CA

Complaint narrative:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. Their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : Experian XXXX Account Number : XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, 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.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( 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 ;

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 2022-01-24 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 was a victim of Identity Theft. On XX/XX/2021 I have submitted a follow-up letter of my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
7 months ago I had an error where I couldnt access my online banking. This was stated to be a browser issue but was never stated to me until they jacked up my credit and hit me with late fees that is out of my control. I was locked out of my account and attempted to explain this to them. They offered help at first but never fixed the issue. On their end, they cant see the issue and being that there is a lot of fraudulent activity with cyber services and was locked out of my account I refused to give them every single bit of information ( social security, etc ) I attempted to resolve this with them multiple times and are still until this day are offering no help to resolve the issue. I made every attempt to solve this and my next action is obtaining a consumer attorney and filing a civil lawsuit at whatever cost because they are not an ethical company. I figure Id tried hear first. The company I am dealing with is FS Genesis Card Services. This company should not be legally allowed to offer any kind of financial service to anyone. I have had multiple employees from FS Genesis Card services acknowledge the wrongdoings and still offer no help. These calls are of course recorded for quality assurance. The comical aspect of all of this I have another credit line with their company with every single payment made on time : ). Any license XXXX XXXX holds should be revoked along with the other executives of this extremely fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my student loan ( CAPITAL ONE BANK USA N A, XXXX XXXX XXXX ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation