vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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: MD

Complaint narrative:
I filed with XXXX XXXX a dispute Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX Consumer Relations This account is XXXX XXXX XXXX XXXX XXXX $ it isnt my account address and entire social security number does not Match this is not my account removed immediately provide proof that this is my account I request you show my the entire social security number and address match me if not remove it asap before I enter law suite

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 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I submitted an online request for a credit line increase on XX/XX/21. I was sent an email on XX/XX/21 denying the increase due to recent use of this account 's existing credit line being too low. I call the company on XX/XX/21 to speak to someone for clarity on this situation. I spoke to a Rep named XXXX and she then spoke to that department that handles this and their response was to go to the Captial one link for any information regarding the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My mortage company has sent me three annual escrow analysis statements all three times increasing my monthly mortage payments. If this is suppose to be an annual occurrence why has it occurred three times in one year? I've called multiple times and can't get a resolution or can anyone tell me if this will keep happing more then once a year.

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 2021-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: NJ

Complaint narrative:
This company does not have permissible purpose to furnish on my consumer report. They did not receive my written instructions. Furthermore, I do not have an account nor have I made any consumer credit transactions with XXXX. Thus, they are infringing upon my right to privacy by receiving my information from a third party. Moreover, this collections account is from a medical agency, and under federal law no consumer report shall contain any medical information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL has been reporting a collection on my account in the amount of {$190.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: AR

Complaint narrative:
To Whom It May Concern, It was recently brought to my attention that Upstart had reported a late payment in XXXX of this year. I did not know about the late fee reporting because it does not display as late on my customer dashboard. However, this dispute is not about my customer dashboard being incorrect. In fact, my customer dashboard is correct. 

I entered into a hardship plan and Upstart deferred my XXXX, XXXX, and XXXX payments. This dispute is because Upstart should not have reported a 30-days late payment to the credit bureaus because there was no XXXX payment. This payment was deferred. I have a copy of my hardship plan along with screenshots of my customer dashboard, which clear shows : 1. The XX/XX/2021 payment was deferred 2. There are no late payments on my account. 

I have talked to an Upstart agent over the phone and sent two emails requesting the removal of the incorrect 30-days late reporting. Upstart has refused to remove the incorrect late reporting. They suggested I report the dispute to the credit bureaus, which I have done. XXXX has approved my dispute and removed the late fee reporting from their records. I am awating XXXX 's decision and XXXX will take longer because I had to mail in my backup ( their online customer portal was down ). 

I XXXX for a living, so it is easy for me to provide backup for my dispute. I can only imagine how frustrating this must be for someone who does not have the " ease '' of disputing an incorrect reporting. 

I have also submitted a complaint with the XXXX and now CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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 is reporting the following XXXX debts that have not been validated and updated with the company name or contract informations. I do not know 1 ) if this is my debt 2 ) if it my debt WHO I Owe and where to pay. 
I have already disputed with Equifax multiple times over 4-6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and this type of inaccuracies is unacceptable. 

Account XXXX. XXXX XXXX {$110.00} Account XXXX. XXXX XXXX {$2000.00} Account XXXX. XXXX XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
While the harassing volume of calls is a problem ( 4 in a 5 hour period ) is a problem, I spoke with Conn 's Home Plus today @ XXXX regarding a past due payment. I advised that they could use the card on file to process payment on Friday, XXXX XX/XX/2021 for {$250.00}. After I got off the phone, I received an email notification that they processed the amount today the XXXX of XXXX. This, I believe, is a Violation of FTC Statute 1692.808 subsection ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 

I would like to file a formal complaint against Conn 's Home Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL has been reporting a collection on my account in the amount of {$750.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: IL

Complaint narrative:
On XX/XX/XXXX, I attempted to pay off the balance of a loan in exchange for the contract and remaining balance of the loan. I requested this information by XX/XX/XXXX. I did not receive a response. I sent another letter on XX/XX/XXXX extending the offer to XX/XX/XXXX. My letter was still ignored, which translates to the company refusing payment. On XX/XX/XXXX, I sent letters to XXXX, XXXX, and Experian informing the reporting agencies of the past mistakes of the company such as misreporting, and repossession of my vehicle. XXXX XXXX XXXX is now reporting a delinquency to the credit reporting agencies. I sent the credit reporting agencies copies of the letters and certified mail receipts to investigate. I was informed by the Experian dispute representative that they sent over the documents to XXXX, opened an investigation on XX/XX/XXXX, and closed it on XX/XX/XXXX because XXXX verified the information they were reporting was correct. I was also told by the Experian dispute representative that they DO NOT have to obtain proof from the furnisher regarding any item that is disputed by the consumer, as that IS NOT their job. XXXX XXXX XXXX verified the information to be correct without providing any proof adverse to the documents I sent in for the item to be removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to resolve this issue with the XXXX bureaus for months in this account XXXX XXXX  XXXX {$18000.00} Account number XXXX. At one point the XXXX bureaus reported it as being in collection for XXXX month then they reported it being late and now closed. I have never been late as I take this matter seriously. I have requested by certified mail for the XXXX bureaus to provide full validation under FCRA and also requested them to provide documents on the company right to collect or deem its late. I have not received any such documentation. Because of this inaccuracies, I can't apply for a home loan. All my children are an adult and I have even continuously provided {$200.00} per month to help them out.

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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to resolve this issue with the XXXX bureaus for months in this account XXXX XXXX  XXXX {$18000.00} Account number XXXX. At XXXX point the XXXX bureaus reported it as being in collection for XXXX month then they reported it being late and now closed. I have never been late as I take this matter seriously. I have requested by certified mail for the XXXX bureaus to provide full validation under FCRA and also requested them to provide documents on the company right to collect or deem its late. I have not received any such documentation. Because of this inaccuracies, I can't apply for a home loan. All my children are an adult and I have even continuously provided {$200.00} per month to help them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I received a card from AMERICAN EXPRESS. Days after the card had a hold placed onto it. I had to go through a process to get it lifted. After getting it lifted I tried to resume using it, yet transactions were still declined. I followed up with them again to be told that I dont have a preset limit, but that Ive reached my limit .. at only {$2100.00}?? I am aware of the consumer credit transaction process and I know that nothing was lended to me and only I, the consumer is using an extension of my own credit. 12 usc 83 says that they cant loan a thing! 12 usc 1431 they are in fact borrowers. 15 usc 1602 L - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. - that means the social security card number that was required to be given is in fact a credit card per federal law. 15 usc 16675 The terms security and security interest mean any interest in property which secures payment or performance of an obligation. 15 usc 1602 m The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. According to 12 CFR 1002.2 an account means an extension of credit. Referencing to the social security card account number.. 15 usc 1602J this account is an open end credit plan.. XXXX stated they only use the social security card number for identification purposes but the SSA clearly stated FOR SOCIAL SECURITY PURPOSES NOT FOR IDENTIFICATION. XXXX clearly and repeatedly stated that they have lended me money and that was very false and misleading 15 usc 1611. She then stated that they lended me credit and thats very deceptive as no financial institution can lend their own stock credit and I in fact know I am the one whom extended credit. I am aware that this financial institution is receiving federal funding and trespassing against the consumers estate and LIMITING I, the consumers benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I signed up for a Cash App account using a referral offer from my friend. The offer states that I must be : 1 ) Be new to Cash App with no previous accounts 2 ) Enter their invite code correctly within 7 days of sending/receiving their first payment 3 ) Link a personal debit card not associated with another Cash App account. People under XXXX  can activate a Cash Card instead 4 ) Send {$5.00} or more, either as a single payment or multiple smaller payments, within 14 days of entering the invite code I have never had a Cash App account before, and did all of the other steps, but the referral bonus was automatically denied. I reached out for help and both reps that I spoke two simply stated that I did not qualify. I asked which condition I did not meet, to which they replied that they did not have access " for security '' to know which condition I did not meet but that I did not meet it. 

In short, they set up a set of conditions to get this bonus, opaquely deny it, and then when pressed for a rationale, said that they can't tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL has been reporting a collection on my account in the amount of {$490.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/21 I was notified by Bank of America of identity theft, that someone used my name to open a bank account which they caught and closed. Currently I only have a Credit Card with BOA and they locked the account for severity. Since then I have spent countless hours everyday, M-F through today XX/XX/21, to regain access to my credit card account. I have a balance due and now a late payment and they will not give me access to view the changes and pay the bill. I have spoken to the fraud department, customer service and have going into two branches and not one person is all to resolve this issue. Meanwhile BOA is negatively impacting my credit due to their negligence.

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 2021-12-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I was provided inaccurate information ( lied to ) and told that Rocket Mortgage has a product to buy a house of $ XXXX with an LTV of 80 %. Based on that I gave permission to pull my credit. However, after pulling my credit the same mortgage broker said for $ XXXX we need a LTV of 75 %. 

The brokers name is XXXX XXXX of Rocket Mortgage. 

My family will have no house to live in and my credit score were hurt by this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
I have received eight communications over the last seven weeks from Brigit about a debt that is not mine. These communications occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The messages stated > Your recent {$50.00} cash advance has not yet been repaid and is overdue. 

I have no business with this company, and have never taken out a loan with them. Additionally, the name in the " To '' field of these emails is not my name ( though the messages are being sent to my email address ). 

On XXXX, I received such a message about this alleged debt from XXXX. I sent a message to the company stating that this debt is not mine, and as such I require that they stop contacting me about it. They replied > We show an account under <my email address> with an outstanding balance. We keep sending emails until the balance is repaid. You can always block or mark us as spam on your email provider 's platform. 

On XXXX, they sent yet another message about this same alleged debt to my email account, from a different email account ( 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 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I received several emails from various wellsfargo.com welcoming me and activating my personal checking account. I did not open this account. I do not bank with Wells Fargo now and never have. When I called their online fraud department i asked how a bank could open an account without a photo of my government-issued state ID, and that based on recent litigation, their XXXX XXXXrogram should be a little tighter. XXXX from the Online Fraud team told me it sounded like I was speaking a foreign language and wasn't aware of what XXXX or the FTC were. While the account is " frozen '', I was told this issue would remain active for at least 45 days before closing. How is this possible??

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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Please kindly immediately delete and eradicate these accounts from my XXXX XXXX and XXXX XXXX  Attached is the proof I owe XXXX $ already everything is settled for good but I dont know why this information still appears. This is immensely frustrating so kindly have a look immediately and solve this on priority.

Company response to consumer: Closed with non-monetary relief