vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: CO

Complaint narrative:
Few refinances ago, Better.com missed a communication with the transferred company, which has created a greater problem for me. 

I refinanced with Better.com for my home XX/XX/2021. XXXX had bought my older loan, and the transfer took place as of XX/XX/2021. Somehow, from my refinance on XX/XX/2021, Better missed the communication to XXXX to tell them that I refinanced and there is a new loan. The loan with XXXX is not correct. 

Now I have essentially 2 loans, one with the new refinanced loan, which is correct, but also XXXX loan ( which was transferred ), which should have not happened. 

Now XXXX is saying the loan is still valid until Better wires them money for the loan to be paid out. XXXX call me 2-3 times a day for payment for XXXX and XXXX, which is not correct per my new refinance. So, I cant do anything till Better fixes the issue. Its been over 40 days. This is something Better should have fixed, and I am having to call all parties. This is not fair or correct! 

Most recently, Better is saying they need the wire from XXXX ( the internal mortgage company ). As of XX/XX/2021, when I talked to XXXX, they said that they already wired the money to Better. Better is saying they are waiting for XXXX. 

In all this confusion, I am the financially responsible for the mistake that Better made. Which is not fair at all. I am having panic attacks and nervous break downs because, I am so scared of what could happen to my credit and finance, when it is not even my fault. I found this issue, when it should have been something Better should have taken care of. 

I still talk to them all calmly and kindly, as I only want the issue to be fixed. It is a persons life that they all are dealing with. It is not okay. If I could fix, I would, and I am trying by calling all parties, but it can only be fixed when Better pays out XXXX. I dont know when that will happen is the scary part. Please look into this matter. I can only stress how scary this is to you guys, but I am living it. Please help. I am sincerely asking for a resolution. 

I have reached out to XXXX and Better.com frequently, as well As XXXX. Both XXXX and Better say they are looking at it and expedited, but XXXX is still not paid out. XXXX says that their is still valid, which I can not do anything till Better reaching out to fix the issue. 

Timeline : Refinanced with Better.com : XX/XX/2021 ( new loan ) Paid off The XXXX XXXX ( XXXX ) : XX/XX/2021 Transferred to XXXX : XX/XX/2021 ( this should have never been transferred, as another loan has been created. 

Loan amount at a XXXX : {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: OR

Complaint narrative:
We entered a COVID related forebearance beginning XX/XX/XXXX. There had never been a late payment prior to the COVID related forebearance. We sold the house and paid off the loan in XXXX, XXXX. Following that date, my credit report now shows a serious delinquency related to missed payments on this loan. 
I was told a forebearance would not negatively impact credit as long as there had been no late payments prior to starting.

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 2021-03-15 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: GA

Complaint narrative:
On XX/XX/2021 I called in to speak to someone at Wells Fargo about my account. I spoke with a rep and after getting authorization from her supervisor I was told that if I paid my balance in full then the account would be removed from my credit report. We had a conversation about how the account is hindering me from buying a house and she guaranteed me that it would be removed if I paid in full. I have paid the account in full and the account is still showing on my credit report. I feel I was lied to intentionally just to get me to pay the account off.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
Two unauthorized transactions occurred XX/XX/21, {$2000.00} and XX/XX/21, {$830.00}. I became aware XX/XX/21 when usbank ReliaCard had locked my account. I confirmed transactions were not authorized by me and that usbank had allowed someone other than me to change my email and text alert notices. 
A new card was issued but when setting up I discovered usbank still had the email used in the fraud attached to account. Us bank requested written notice which I provided and they recvd XX/XX/21. But they closed case XX/XX/21 without returning any funds to my account. I contact usbank XX/XX/21 to request any, all documents related but they would not give any. I requested the case be reopened and reviewed as these transactions werent mine. They refused. I asked for any contact that could possibly help with the fraudulent transaction but they just said they were sorry I felt that way and would not provide any information or resolution. At their request I had submitted proof of my identity shortly after first reporting fraud.

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 2021-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The woman identified herself as XXXX with XXXX XXXX  calling to collect on an auto loan for Capital One from over 15 years ago. I have a bankruptcy which was finalized XX/XX/2021. This is the XXXX or XXXX call where I have advised I filed bankruptcy and that the debt is too old to collect. Then they hang up on me but continue to call. It is my understanding that once my bankruptcy was filed which was months ago, debt collectors must cease and desist calling me. I would like this company to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
My XXXX XXXX ( via XXXX XXXX  ) has sent a {$600.00} payment to XXXXXXXX XXXX ( TCF Bank ) on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX has not received the money. XXXX XXXX has contacted TCF Bank several times and TCF claims no funds are being withheld. I have paid the {$600.00} to XXXX XXXX in my XXXX billing cycle. I have contacted XXXX XXXX  numerous times in which they claim the {$600.00} has been sent. Attached are two letters. One from XXXX XXXX stating that they sent the {$600.00} and a letter from XXXX XXXX stating they have not yet received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
nOTE IT IS IMPOSSIBLE TO REACH OUT TO ANY OF THESE CREDIT REPORTING GIANTS - PERIOD. nOTE ALL OF MY CREDITORS HAVE BEEN EITHER PAID IN FULL OR PAID AND THE REPORTING DOES not REFLECT THAT! once AGAIN WE ARE BEING FINANCIALLY HARMED BY INCORRECT REPORTING CAUSING SEVER FINANCIAL HARM AND YES HERE IN FLORIDA SEVERE elderly ABUSE!

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MI

Complaint narrative:
XXXX XXXX ( via US Bank ) has claimed to have sent a {$600.00} payment to XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX has not received the money. They have contacted XXXX XXXX several times and XXXX claims no funds are being withheld. I have paid the {$600.00} to US Bank in my XXXX billing cycle. 

I have contacted US Bank numerous times in which they claim the {$600.00} has been sent and there's nothing else they are willing to do to help resolve the situation. Attached are two letters. One from US Bank stating that they sent the {$600.00} and a letter from XXXX XXXX stating they have not yet received the money.

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 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
nOTE IT IS IMPOSSIBLE TO REACH OUT TO ANY OF THESE CREDIT REPORTING GIANTS - PERIOD. nOTE ALL OF MY CREDITORS HAVE BEEN EITHER PAID IN FULL OR PAID AND THE REPORTING DOES not REFLECT THAT! once AGAIN WE ARE BEING FINANCIALLY HARMED BY INCORRECT REPORTING CAUSING SEVER FINANCIAL HARM AND YES HERE IN FLORIDA SEVERE elderly ABUSE!

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MO

Complaint narrative:
Square says they cant provide monthly account statements for my square card and XXXX XXXX says that it is only handled through square even though they are the card issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: CT

Complaint narrative:
I entered into a lease agreement with the leasing company, XXXX XXXX XXXXXXXX  in XXXX Connecticut, on XX/XX/XXXX with my roommate for an apartment lease of 18 months. 

On XX/XX/XXXX, I vacated the property due to XXXX XXXXXXXX and returned one week later on XX/XX/XXXX to remove my belongings. 

That same day, I informed XXXX XXXX that I wanted to terminate the lease agreement. They refused even though I informed them I was moving due to feeling unsafe in the apartment. They witnessed first-hand the heightened tensions as I was moving out and suggested that I call the police. XXXX XXXX insisted that in order to terminate the lease, my roommate would also have to agree to termination and move out or take over the lease himself - both of which he refused to do. 

Previously, XXXX XXXX  were notified that my roommate had been seen acting violently towards my dog, which resulted in animal control removing my dog. 

On XX/XX/XXXX, I notified XXXX XXXX, that I was moving out of the property and gave them 33 days ' notice. I agreed to pay rent for the full month of XX/XX/XXXX. During this time my roommate still refused to move out or take over the lease. 

I attempted to resolve the situation amicably with XXXX XXXX from the date I moved out until XX/XX/XXXX but was not successful and received threats of legal action and court filings. 

Distressed, I contacted a XXXX XXXXXXXX counselor for XXXX counselling. During these sessions I was informed that under federal and CT state law, lease agreements can be terminated under XXXX XXXX situations. My councilor sent a letter to XXXX XXXX iterating this, which they received on XX/XX/XXXX. 

I was informed by XXXX XXXX that my roommate eventually moved out on XX/XX/XXXX. 

My roommate and I received a final bill of {$4500.00} from XXXX XXXX on XX/XX/XXXX. This is the bill I am contesting ; -It itemized fees, rent ( up until the time my roommate moved out ), attorney 's fees, notice to quit and XXXX served summons on my roommate. 
-I should not be liable, or made responsible for these fees as I had already moved out and my roommate was the only person living in the apartment. 

As further evidence, please find enclosed email correspondence and a copy of the letter from my XXXX XXXX counselor as supporting documents to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
I've been overseas for 9 months and was not appealing for any credit. Fraud alerts have been placed with all bureaus.

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 2021-03-15 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: OneMain Finance Corporation
State: LA

Complaint narrative:
I've been overseas for 9 months and was not appealing for any credit. Fraud alerts have been placed with all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This appeared on my credit on XX/XX/2017. I however did not have XXXX at the time. I have tried disputing it and asking for proof etc and they are unable to provide me any. I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX and XX/XX/XXXX a friend fraudulent used my card, when I notify Santander that I wanted to claim XXXX dollars as a fraud, the bank refused and claim the card was shared. I have and will always be denied t hiss as being untrue in the winter and spring of XXXX, I went into the consolidation of my debts. XXXX XXXX and I notified Santander of this fact and to negotiate a settlement. The bank did not try to settle but continued to run up the interest until the credit card was maxed out, another {$900.00}.

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 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX transunion XXXX not reporting my rental credit b/c they dont get paid victim of ID theft give me the right to report accurate informaion FCRA law and rules so please report it

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 2021-03-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX lists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). 

Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX out after the disputes, which I confirmed via a phone representative at XXXX on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with XXXX. 

However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XXXX XXXX out/cancelled due to the disputes, and there was a XXXX balance. But XXXX continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. 

There is a third installment loan of {$40.00} on my credit report from XXXX. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. XXXX continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. 

These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be correctly reported to the CRA within 90 days. There are 0 sections that prohibit deletion.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Made purchase at Best Buy in XXXX for {$27.00}, never received a statement, went to Best Buy to inquire balance & pay, in XXXX unfortunately they were closed indefinitely due to COVID-19, i tried to navigate the computer system & was denied, .I called & was stuck in the phone system going around in circles, I finally received a statement from XX/XX/XXXX, that I received on XX/XX/XXXX, late of course, Best Buy / Citibank feels I should pay close to {$70.00} in late fees. Ive called several times explaining this & they are unwilling to accept my original payment due of {$27.00}. This is completely unfair

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 2021-03-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a dispute to the bureaus regarding a late payment I don't believe I was completely 30 days late on ; it has been 1 time so it shows that my payment history is exceptional! When the bureaus didn't respond to me in the 30 days they were legally supposed to, I sent another dispute on XX/XX/XXXX. Again, 45 days go by with no response from the bureaus ; it is now XX/XX/XXXX and yet AGAIN nothing from any of the bureaus! I'm well aware there have been delays due to the global pandemic, but having no responses from the bureaus since I started in XX/XX/XXXX ( 5 months of disputing ) is not okay by any means!

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 2021-03-15 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: DISCOVER BANK
State: MI

Complaint narrative:
My account had a fraudulent credit card purchase which I refused to pay because of the fraudulent charge which I informed Discover Bank to correct before I make a payment. During this time I was reported on my credit report 30 days past due to my credit reports. I am requesting that Discover remove the late payment they reported on my credit reports as this incident resulted from Identity Fraud and fraudulent charges.

Company response to consumer: Closed with explanation