vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
We have two ( 2 ) XXXX account entries within one consumer file. 

One recent, current, in good standing.

One delinquent, verified, updating monthly.

Shouldn't the one delinquent be corrected to reflect settled, or removed at best?

Regarding the one delinquent, direct disputes were initiated. Responses to XXXX unfavorable, verified as accurate. Challenged was the completeness of the furnishers reports. There's truly nothing there. 

At this stage it really is a best action to submit XXXX. 

Payment submitted to creditor electronically via 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 explanation
Consumer complaint received 2021-06-06 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: IL

Complaint narrative:
This is absolute Insanity with this company. My credit score dropped XXXX points in one day - despite the fact that I've paid my credit cards down even farther! They've also reduced my already incorrectly reported credit history by another month! 

This is affecting my ability to get hired with a consulting firm that works in the financial industry!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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:
These are fraudulent inquires on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On Sunday XX/XX/XXXX at around XXXX XXXX  XXXX XXXX from Kia Motor Finance called me the consumer/creditor per 15 USC 1692 ( a ) 3 1692 a ( 4 ) in an attempt to collect an alleged debt of {$630.00} for a XXXX XXXX XXXX Upon the initial phone call the agent was vague in her nature of the call and failed to immediately identify why she was calling and what she was calling in reference to. After informing the agent that I am the creditor per 15 USC 1692 ( a ) 4 and authorized representative for the account in question, XXXX XXXX became combative and irate telling me that what I was stating was not the case and that by " law '' she had every right to contact me and would continue to do so. This call was made to me as the consumer after XXXX XXXX located at XXXX XXXX XXXX, XXXX NC, XXXX received a notarized Notice of rescission per 15 USC 1635 along with a a certificate of service via Certified US Postal Mail number XXXX XXXX XXXX XXXX XXXX which was received by the seller XXXX  XXXX  on XX/XX/XXXX as evidenced by the tracking number. I am seeking damages from KIA MOTOR FINANCE for the following Consumer violations under Title 15 : 1692 c ( a ) ( 1 ) 1692 d 1692 d ( 2 ) 1692 d ( 6 ) 1692 e 1692 e ( 10 ) 1692 e ( 13 ) 1692 f 1692 f ( 1 ) 1692 g ( a ) ( 2 ) 1692 g ( a ) ( 3 ) 1692 g ( a ) ( 4 ) 1692 g ( a ) ( 5 ) 1692 g ( b )

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 2021-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is an ongoing problem of privacy and identity theft. On occasion, Chase Bank sends me notices of how this bank using my personal information -- most of which I can not opt out of. Chase Bank arrogance puts me more at risk for identity theft when they share my personal information ( for profit ) with other entities. Corporations have become too powerful and greedy. It is time for the pendulum to swing towards the rights and concerns of the consumer. I note that the outrageously-weathly XXXX announced the other day that he would not reimburse customers for overdrafts as a result of the pandemic. In my town of XXXX, he has closed down at least XXXX Chase location -- crowding customers into a smaller facility. Even the local Chase employees complain. Just wondering how nasty American smash & grab capitalism will become before the system is changed??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Im trying to buy a house. Upon the loan application a debt i didnt know i had or ever received information stopped me from getting the loan. I tried to reach out to sequium asset collection s numerous times calling them and i never get a live person. It asks to leave a message that never gets returned. Ive sent emails to no avail as well. My family needs this loan to better our home as we are a growing family. The debt is XXXX XXXX I can easily pay it. They are making this a nightmare

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
In XX/XX/XXXX a debt was brought on against from Bonneville collections for about {$600.00} and is now {$910.00}. They have repeatedly harassed me with fake court documents and the most recent on XX/XX/XXXX a former supervisor of mine was served with papers by a sheriff from an attorney representing Bonneville collections to garnish my wages after 5 years since they served me with fake papers which the XXXX XXXX XXXX confirmed were indeed fake. It is my understanding that before such legal actions to garnish my wages can occur that I must be served with certified court documents first. This debt is ridiculous in the first place and should be removed as it stems from dental visit in which I was left with a fractured XXXX in my mouth XXXX not a common XXXX fragment ) and was lied to about it and the dentist chose to try and cover it up by prescribing me almost XXXX pills for the pain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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:
These are fraudulent inquires on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL

Complaint narrative:
I recently found some accounting and billing issues and these issues have been reported to all three credit bureaus XXXX XXXX XXXX  and XXXX  XXXX. On XX/XX/XXXX I submitted a partial payment to First Investors Servicing Corporation check # XXXX XXXX XXXX XXXX  {$200.00}. My monthly payment is was not due until XX/XX/XXXX, but to get a jump on my payment since I was granted ( 2 ) month extension due to Pandemic. But after looking at my payment history I noticed that ( {$15.00} ) was applied toward late fees and XXXX {$180.00} XXXX towards interest. How this be when I was granted extension ( see attached PDF ) if you look at XX/XX/XXXX, same time I was granted the extension First Investors Servicing Corporation received a payment for ( {$290.00} ) and that payment was allocated as ( {$210.00} ) towards the principal and ( {$77.00} ) was allocated towards interest. I have not gone over all my payment history but I feels these regularities are part of same issue am complaining about now. Where do the late late payment fee come in at, when I was granted a ( 2 ) month extension? The next issue First Investors Servicing Corporation have notifying the XXXX, XXXX  and XXXX  about my payments as being late even during the pandemic period presently I have ( 19 ) late payment showing on all three credit bureaus report XXXX see attachment ). I usually pay my car not on the XXXX of each month before the next month become is due. I've been assessed late fees just about every month even during pandemic period. This matter needs to be addressed and corrected. When I call and complain they place a notation on my credit report that negative remarks driving my score down. Since XX/XX/XXXX up until now I've lost a between ( 80-90 points ) due to these negatives remarks, after I've complained to First Investors Servicing Corporation. When I speak with the creditor bureaus they can not or willing explain does remarks. but instead advise me to call back to First Investors and they in return can't explain the remarks for the huge drop in my score.

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 2021-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I disputed XXXX XX/XX/XXXX transactions totaling {$220.00} via live telephone call at the conclusions of which I Was told that my account would review a provisional credit in XXXX to XXXX business days, with the credit to be subsequently either made permanent or disavowed based on the banks investigation of the disputed transactions. 

Similarly on XX/XX/XXXX, I disputed XXXX unrecognized transactions from XX/XX/XXXX for total of {$250.00}. I have yet to receive any credit to my account, provisional or otherwise. 

Based on discussions with others who bank with Wells Fargo, the bank provides immediate credit for disputed transactions, so the fact that they do not offer the same to me seems highly discriminatory.

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 monetary relief
Consumer complaint received 2021-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened an individual checking at Wells Fargo in XX/XX/XXXX. The account has remained the same but it's number has changed one a few occasions and as mandated by the bank when unauthorized transactions were reported. 

On the XX/XX/XXXX Statement, a XX/XX/XXXX XXXX Payment to me from my girlfriend is reported as just that, a XXXX payment. However, a XX/XX/XXXX XXXX payment to me from my father is reported as a Transfer, suggesting that my father has at least transfer access to my account which should not be case, My Wells Fargo account is wholly owned by me and I am the only authorized person to access the account. 

I, XXXX XXXX, have no valid Financial Power of Attorney outstanding, and with the exception of XXXX XXXX XXXX XXXX, have no representatives, agents or guardians and have no reason to being a XXXX XXXX XXXX of XXXX University and deemed competent by the State as defendant in a Superior Court Trial in XXXX XXXX, GA in XX/XX/XXXX. No one other than XXXX XXXX is authorized for debit transactions of myself or my XXXX, XXXX XXXX XXXX XXXX with positive verification of identity required with additional biometric verification to U.S. Federal Government records necessary for transactions valued over {$50000.00} ( XXXX XXXX US Dollars ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
See ALL Previous Complaints under XXXX XXXX XXXX. Capital One offers a cash back credit card, " XXXX XXXX '' My elderly XXXX was owed in excess of {$240.00} back in XXXX of 2020, when her credit card expired. Capital One customer service, said they would send a check minus any outstanding balances. There were XXXX recurring charges that we had stopped XXXX and XXXX XXXX in XX/XX/2020, and charges were reversed. Both companies stopped their recurring payments. 
So almost a YEAR LATER Capital One has not provided a " cash back check '', seems to be false advertising, and continue to assess late fees and interest on a NON EXISTING ACCOUNT. Capital One OWES MONEY TO US.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021 I filed a complaint against Citibank where my personal e-mail was used by an individual to apply for a mortgage with the Bank under XXXX XXXX. XXXX. A letter from Citibank dated XXXX " it was an error from the Bank and the Bank has subsequently removed my e-mail from their record ''. However, on XX/XX/2021 I received another e-mail from Citibank again regarding a mortgage application no. XXXX. This is totally in contradiction with the response letter from Citibank where they claimed they have removed my personal e-mail. Therefore, I am requesting Consumer Financial Protection Bureau for assistance in resolving this matter. 
Thank you. 

Attachments : E-mail from Citibank dated XX/XX/2021 Copy of the original complaint E-mail from Citibank dated XX/XX/2021 which caused me to filed the complaint with CFPB. 
XXXX dated XX/XX/2021 from Citibank in response to my complaint. 
Noted documents are not in order.

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 2021-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
In XX/XX/XXXX both my wife and I were diagnosed with XXXX and I ended up in the hospital, where for the XXXX few hours they did not know if I was going to live. I survived and was out of work and on XXXX for 4 months. During this time Rushmore placed us on a Covid Forbearance - which I will point out we did not request - it was offered until I could return to work. I returned to work on XXXX and attempted to begin paying my regular payments. The payment was returned along with a separate right to cure notice demanding the full amount be paid. I told them I could only begin paying a payment each month. They then put us on another forbearance to XX/XX/XXXX and then without our knowledge extended that forbearance to XX/XX/XXXX. All on the premise we are still waiting on your decision for a loan mod. I provide all the documents they required after going thru all that they tell us we have been denied a loan mod in their letter dated XX/XX/XXXX and must do a short sale or foreclosure. We are now so far behind because of their actions that we may not be able to recover and face the stigma of a foreclosure and being forced out of our home. Instead of just 3 payments behind we are now 7 payments behind because they would not let me start paying in XXXX like I told them up front I could do. We feel mislead by this whole process and seems like a veiled attempt to force our family home into foreclosure. Please help us I do not of anywhere else to turn too!! I did not attach any of the companies letters as they have copies of all of them. The modification denial letter is very confusing and the reason for denial make no sense. For exampled they listed {$0.00} income for us. I work and make {$63000.00} annually and my wife has been drawing unemployement plus pandemic pay of $ XXXX here in Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: DC

Complaint narrative:
XX/XX/2021, I attempted to open credit card with PNC Branch ( XXXX XXXX ) having a personal checking, business checking and mortgage account opened on various dates. 

I was unable to open the card as it was declined on an income - debt ratio and credit score. In XX/XX/2021, I was approved for two other loans from XXXX  a DC lender and a XXXX XXXX XXXX draw loan on the business account XXXX with this checking account. 

Note : I was also informed that I had a low score which has not had an impact during the same time period XXXX - XX/XX/2021 : obtaining international/DC based clients, business rental lease, DC and a job with XXXX, XXXX. 

Based on the business checking account, I'd like to receive a competitive rate credit card for the business account without the harassment of a hard pull lowering the score when I am able to obtain the necessary assets and income which have satisfied federal requirements for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
I have been contacted by phone numerous times by someone purportedly from " Langberger, Dougan, Blair, and Simpson '' law firm for the collection of some " debt '' that I supposedly owe and for which they are about to sue me if I don't return their call and discuss it with them. I did call them BUT before they could discuss it with me they wanted all kinds of personal information from me ( to be able to identify me in their account records even though I gave them their reference # XXXX ) which I refused to do BUT did tell them not to call again or I would report them. They hung up. Several days later, they called again. Their phone number is XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: NY

Complaint narrative:
I XXXX XXXX the natural person have been a victim of identity theft. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY NUMBER ( Social Security # : XXXX ), This complaint lists someone that your company should recognize as their customer or their customers authorized representative.I contacted all the credit reporting agencies on XX/XX/2021 and told them that these accounts were fraudulent. I understand that under 15 U.S. Code 1681c2 they were supposed to block the accounts after receiving my statement, but they ignored my consumer rights and left it on my report. it is now XX/XX/2021 and these fraudulent accounts are still appearing on my credit report. this is illegal, and I ASK THE CFPB TO HELP remedy this situation. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: LA

Complaint narrative:
Plaza Servic for the amount of {$400.00}. Account says it was opened XXXX XXXX. Account has been placed for collection. However, I never received anything in writing saying this account was going to be placed in collections.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: OH

Complaint narrative:
This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX # XXXX ( Medical ) -XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation