vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
In XXXX I went to the emergency room because my XXXX XXXX XXXX XXXX and I couldnt walk and was in terrible pain. I went to a hospital which was in network with my insurance. I paid my co-pay which was {$100.00} and then was treated and sent home. Several months later I received a bill for my visit for {$850.00}. I contacted the hospital and told them I already paid my co-pay for tue in network hospital. They said well the doctor who saw you was not in your network. I disputed this with XXXX XXXX because when you go Into the emergency room you are not at your best or thinking clearly. They had given me XXXX XXXX XXXX and I was out of it. I didnt know I should have ask that question if my doctor was also in network. They finally removed this bill from my account. A few months later I received a call from a collection agency. I disputed this and finally it was removed. Now 3 years later this new collection agency appeared on my credit report and now this looks like a brand new collection as of XX/XX/XXXX. I have disputed this with XXXX and it came back as verified. I believe that this is fraudulent and need to have this removed from my report. I have worked very hard on my credit for the last two years and now this dropped my score 11 points and causes me to not get my home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Trojan Professional Services, Inc.
State: CA

Complaint narrative:
I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: AES/PHEAA
State: CA

Complaint narrative:
I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
My load was sold to PHH mortgage and they took my XXXX payment for my old mortgage company. I made my XXXX payment on the XX/XX/2021 and it was retuern to me on XX/XX/2021 and when i called to make by payment on XX/XX/2021 so it will not be late no one will take my payment over the phone and is tell my that I have a 60 day grace period that my credit will not be effect but it looks like Iowe 14mths of payment which the have made all payment before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Opened XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: MAJR Financial Corp
State: FL

Complaint narrative:
To whom it may concern on my XXXX credit profile I did not authorize majr financial XXXX, XXXX XXXX XXXX, XXXX  XXXX, or US SM BUS ADMIN XXXX Authorization to pull my credit profile please remove all inquiries immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX. I randomly pulled my credit report and noticed unauthorized inquiries listed on my credit report. I have contacted each company listed and have been given the run around. They have stated that there was no accounts in my name I am responsible for but stated I need to contact the credit bureaus as well. 
I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, they items must be removed. 

These are listed on my Equifax Credit Report. 

The unverified inquires are listed below : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The fair resolution would be to PLEASE remove items that were not authorized and verified. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Pertaining to 15usc1692 the company have been violating my rights and issuing a debt out to me that i dont owe. Also i contact them and place a cease & desist order for them to stop contacting me and they continued to do so by sending me emails about a debt i dont owe and a closed account. They have violated my rights multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
I tired to pay my vehicle off through US Bank online bill pay. They indicated the creditor XXXX XXXX will only accept paper checks. This is not accurate based on my conversation with XXXX XXXX. 

US Bank indicated they mailed check number XXXX to XXXX XXXX on XXXX for arrival on XXXX. XXXX XXXX has no record of the check and US bank can not give me an answer where my check and funds are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have been working with Loss mitigation since XX/XX/XXXX. On XX/XX/XXXX they filed foreclosure fees and had advised that was an error when I called in XX/XX/XXXX since I was on forbearance. Now Property is under contract for closing scheduled for XX/XX/XXXX for cash offer in the amount of XXXX. When I got my payoff amount they added additional fees that were had suppose to have been removed and never were. The payoff amt is XXXX and after closing fees i would need to come out of pocket XXXX. Which i do not have. 
Ive sent emails requesting the fees to be removed and they told me they will not! And i need to complete a short sale which can take up to 90days. This cash buyer will back out by then.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been working with US Bank and its representatives, XXXX XXXX NMLS # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX since early XXXX. They have been unresponsive throughout the process - extending the closing twice, first from XX/XX/XXXX then to XX/XX/XXXX. As of today, XX/XX/XXXX, the loan hasn't closed and despite multiple calls and emails over the last weeks, I have yet to receive a response. 

Now, since they're not funding the loan ( which is fine with me ), they're not sending a denial letter. This is problematic on two fronts : Firstly, without a denial, I can not receive my earnest money. So, US Bank is ipso facto holding my earnest money hostage by their laziness and incompetence. Secondly, the seller is angry, not only because of the deal falling through - despite no reasoning from US Bank- but THEY can't relist the property with earnest money on the table from this deal.

I would kindly ask that Mr. XXXX and his associates as well as US Bank be censured for their lack of attention to their duty - and for holding my earnest money ransom for no apparent reasoning whatsoever. Please give me my money back! Send the denial letter!

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 2021-09-15 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had perfect credit for over 20 years and since I had several credit cards, I always had my billing statements mailed to me. I never agreed to electronic statements due to the number of credit card bills I had to keep track of. The company that I am filing a complaint about NEVER sent me a paper statement via USPS and since I did not receive a paper statement OR email from KOHLS, I forgot that I had a balance with them. I received a call from a customer service representative in XX/XX/2019 and she told me that I had an outstanding balance of over {$600.00}. I told her that I never received a statement from them. She stated that I signed up for paperless statements -which was not true at all. If I HAD signed up for paperless statements, then I should have received an email notifying me of the bill. I never received any emails from Kohls. I checked my spam as well as my trash folders and I didn't find any emails from Kohls. I feel that I should be given some leniency as my credit has always been good and that was the first time in 21 yrs that I have ever had an issue with a biller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. It's been a long time of processing and making follow-ups to EQUIFAX and the CREDITORS with regards to my request of getting the items in question to be removed from my Credit Reports . However, I have neither heard anything from both of them nor received any kind of response. Thus, concluding me to reach out to you to ask for some assistance and help. EQUIFAX hasn't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they should provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below are the inquiries I am not connected to.

1. XXXX-Date of Inquiry XX/XX/XXXX 2. XXXX-Date of Inquiry XX/XX/XXXX 3. XXXX-Date of Inquiry XX/XX/XXXX 4. XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX 5. XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
On XX/XX/21 I received a voicemail from XXXX XXXX XXXX stating he was from Direct Recovery Services and my account number is XXXX and I could pay my debt online at www.directrecoveryservices.com, with a call back number of XXXX. I went to the website and put in the account number and it said it was not found. The website also list telephone number XXXX. I called XXXX, spoke to XXXX XXXX and was asked to provide my address or the last 4 of my social security number and when I refused her line went blank. I called back, spoke to XXXX XXXX who informed me that I needed to speak to XXXX, when I asked why she could not assist me she became very aggressive and I ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This a recurring problem that needs to be fixed ASAP. All 3 credit bureaus dropped my credit score significantly due to a software problem in your algorithms.

What I mean is that I had 3 high balances reported One from XXXX XXXX for XXXX, XXXX XXXX for XXXX and checking plus for XXXX All 3 of these balances were zeroed out before the statement dates before the end of XXXX, 2021. 
My credit scores should be well over XXXX across the board.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX  XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Westlake Services, LLC
State: TN

Complaint narrative:
There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
To whom it may concern I do not recognize this Barclay Bank Delaware inquiry that showed up on my credit report a couple of days ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NC

Complaint narrative:
hello Ive been trying for months to get this issue resolved as my information was stolen during a breach and it has caused me harm personally and financially.. who ever got my infomation has been running up medical bills. and i need these items removed as its effecting my job status and future goals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
I have inquiries that I do not recognize for these companies that I do not have a open or closed accounts with

Company response to consumer: Closed with explanation