vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2021-12-10 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: MN

Complaint narrative:
My Equifax report is wrong. 
It contains an account XXXX XXXX XXXX which shows an ~ {$18000.00} balance that is not mine. 
It shows it is current with monthly payments being made. 
I don't have this account, I don't receive statements, I am not making payments on it. 
This would either be bad data, or a mixed ( credit ) file. 
I have reached out to contest this four times. It gets removed and XXXX puts it back on. 
Attached are the dates and case numbers of the contests I have called XXXX numerous times. 
I have been informed via the customer service, security team, XXXX team, charge verification teams that i DO NOT have an account either in credit card or loan departments with XXXX. 
They have verified to me that there is NO ACCOUNT with them tied to my SSN. Yet they keep putting this back onto my Equifax report. 
I have exhausted my options in communicating with XXXX and want this removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The debt collector didnt send me a letter, didnt give me the chance to communicate nor negotiate and kept reporting me for the amount I paid, its is not loan nor a debt. I already paid the school what I owe them and they keep Harassing me over the phone. 
I have attached the payment confirmation from the school back in 2020

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 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OR

Complaint narrative:
I have been repeatedly charged late fees erroneously by my mortgage company, Flagstar Bank. I have made every single payment on time since my mortgage was transferred to Flagstar at the beginning of XXXX. I have documentation to prove my payments have all been on time. I attach autopay records from my bank. I have tried contacting Flagstar to resolve this issue to no avail. 

On XX/XX/XXXX I spoke to XXXX at Flagstar and was told the late fees were not my fault. XXXX informed me that an internal audit caught the error and was in the process of being corrected. XXXX told me that my prior loan servicer, XXXX, had transferred inaccurate records to Flagstar indicating I owed money on my account, but that an internal audit at Flagstar showed that the account was current and no funds were owed. XXXX told me that there was an internal audit process underway at Flagstar that would take approximately a week to resolve/clean up my account. 

On XX/XX/XXXX I noticed that my account is still showing late fees. I re-contacted Flagstar to resolve. I spoke to XXXX who indicated she could not address the problem and that she would contact an " escalation specialist '' and my account was noted as priority ( Case # XXXX ). Flagstar would contact me in XXXX days to confirm resolution. 

I then received a notice by mail dated XX/XX/XXXX stating that Flagstar reviewed my request to waive the late fees but that after careful consideration we regret we are unable to honor your request. There was no explanation. 

I reiterate, I have NEVER made a late payment to Flagstar. I pay my bills on time and have an exceptional credit score. 

There is perhaps an explanation that the funds/records were inaccurately transferred to Flagstar by XXXX at the end of XXXX, who was also erroneously charging me late fees. I had been trying to pay half my mortgage payment every XXXX weeks ( to ultimately pay MORE than was due ) ; XXXX had been inaccurately processing these payments and charging late fees. This was resolved in a call to XXXX on XX/XX/XXXX when I spoke to XXXX, who received managerial approval to waive late fees due to this error. The mortgage was subsequently transferred to Flagstar at the end of XXXX. 

I reiterate I have NEVER paid my mortgage late to either company. I have attached all banking records to reflect accurate, ON TIME payments. I respectfully request that Flagstar correct its error and confirm my account is paid in full and stop charging late fees.

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 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. XXXX, XXXX, and XXXX XXXX XXXX is reporting inaccurate information on AMEX XXXX XXXX. This is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: MN

Complaint narrative:
My XXXX report is wrong. 
It contains an account Discover Card Services which shows an ~ {$18000.00} balance that is not mine. 
It shows it is current with monthly payments being made. 
I don't have this account, I don't receive statements, I am not making payments on it. 
This would either be bad data, or a mixed ( credit ) file. 
I have reached out to contest this four times. It gets removed and Discover puts it back on. 
Attached are the dates and case numbers of the contests I have called Discover numerous times. 
I have been informed via the customer service, security team, XXXX team, charge verification teams that i DO NOT have an account either in credit card or loan departments with discover. 
They have verified to me that there is NO ACCOUNT with them tied to my SSN. Yet they keep putting this back onto my XXXX report. 
I have exhausted my options in communicating with Discover and want this removed from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I have an unauthorised hard credit pull on my XXXX credit report by : Sunrise Credit res. Mortgage XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Which occurred XX/XX/2020 ; I have absolutely no inquiries or anything impacting my credit initiated during that time, and hard inquiry occurred without my permission or knowledge at all. They refused to give me a reason to why this had occurred and dismissed me rudely and aggressively over the phone without a chance to understand the situation.

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 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: AZ

Complaint narrative:
Had a secured credit card with First Progress. Opened XX/XX/XXXX and closed by the financial intuition on XX/XX/XXXX. The card had a {$300.00} security deposit. Security deposit has not been returned. Card had a zero balance with no pending transactions. Was not able to contact first progress by phone or online. Sent a letter in XX/XX/XXXX, requesting my security deposit be refunded and provided my card and updated information for myself. Have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
RADIUSGLOBAL has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, if you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

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 2021-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mobiloans, LLC
State: IN

Complaint narrative:
Sent to a mediator or collector of some sort refused to give any information other than what was owed no apparent knowledge of date or year of loan. Yelled over me on the phone claiming I needed to pay {$1200.00} now or Id be sued for {$4000.00}. No notices ever sent in the mail claimed I took out the loan using an employer that I havent had in 6 years and accused me of writing fraudulent checks.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-10 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Hello, I recently applied for an American Express Card and was declined for the following reason " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' When trying to look into this on my XXXX report. The only deferral I see is on my Federal Student Loans which was applied automatically. I was informed under the CARES ACT this should not affect my credit, but appears this is the reason I am not able to get my American Express Card. I have been trying to resolve this issue with both American Express and XXXX and each is placing the issue on each other as an error they need to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
I had an on-duty injury as a firefighter for the City of XXXX Fire And Emergency Services on XX/XX/17. The city did not pay the bill or did not pay in a timely fashion. I have had a debt collector come after me and erroneously report to the credit bureaus that I did not pay the bill, a bill that I was not responsible for paying. 


It is my understanding that what those debt collectors are doing is illegal under Virginia Law. The debt collector is XXXX XXXX XXXX XXXX. The contact on the credit bureau is I was transferred to an offshore ( XXXX ) when I called the creditors number. I was told that the the client was XXXX XXXX XXXX and nationwide recovery system. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX I deposited a money order for the amount of XXXX XXXX times XXXX different money orders my account was put into the negative XXXX $ I contacted the bank in regards to my account customer service stated I can not deposit money orders into the bank and the money will not be funded to my account that I will have to bring cash and was hung up on upon the call. I then contacted the bank again regarding my transaction and was told their was a hold placed and will not be removed I was again hung up on via phone I am not receiving any service in regards to my money or my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: OH

Complaint narrative:
The debt that was owed by XXXX XXXX XXXX is still being reported on my credit report by all XXXX credit reporting agencies. All debts have been paid and were supposed to be deleted from the credit reporting agencies. I am attaching proof from XXXX XXXX  that the letter in the mail states that all items should be deleted but have not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: IN

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
The account Kia motors is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.

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 2021-12-10 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: OH

Complaint narrative:
The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: OH

Complaint narrative:
The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.

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 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: MA

Complaint narrative:
I am filing a complaint cause I have already notified Paramount Recovery systems on several occasions that the XXXX collections they have in their office they are collecting for Sterling emergency services account XXXX and XXXX I have let them Know and they continue to report account.

Company response to consumer: Closed with explanation