vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This debt was paid off and is still reporting on my credit report. This was supposed to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I try to fill out applications but they deny me because someone used my information this capital one dobt care about identity theft or fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted Citi and requested to speak with someone in the Retention division of the company. I wanted to address my concerns regarding a dispute that I filed regarding a purchase with XXXX XXXX for concert tickets. The company sided with the company. I purchased concert tickets and the concert was cancelled. To date, I have not received a refund and Citi refuses to properly dispute the matter. The representative acted as if he did not want to help me and basically was steering me to close my account. I told him a few choice words and hung up the phone. I went to use my card later that evening and I was unable to use my card. I checked my account on my XXXX  and it said it had been closed. I'm extremely upset because I did not give any type of consent or instruction to close 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 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this 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 2021-02-24 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: Exeter Finance, LLC.
State: WA

Complaint narrative:
I have XXXX late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

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 2021-02-24 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: CA

Complaint narrative:
I have tried multiple times to dispute this collection put on my credit report to no avail. 
I sent out a request for validation months ago and no one got back to me, I received no response from XXXX XXXX XXXX or Experian showing proof or validation of this debt. Yet Experian said its valid and still reporting to credit report. 

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2021-02-24 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: TX

Complaint narrative:
The account XXXX is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TX

Complaint narrative:
The account XXXX is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Bad customer service and rude and nasty people and they don't care about American XXXX act and identity theft or fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Consumers beware! If you are a Wells Fargo customer and you notice fraudulent transactions on your chipped credit card, report it as " stolen ''. My card was in possession, it never leaves my house and is only used for utility payments, but somehow there were multiple unauthorized transactions on my card. I've contacted Wells Fargo many times about this and they insist that those transactions were in fact authorized by me simply because the card is in my possession. The unauthorized transactions total over {$1500.00}, effectively eliminating my government stimulus. I am very disappointed in Wells Fargo and its fraud department being that I've been a customer of it since I was a teen. I've read about many scandals involving Wells Fargo, and I highly suspect a Wells Fargo employee to be the culprit. I urge all consumers, if you haven't already, to switch to a different bank.

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 2021-02-24 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I applied to forbearance with SLS - Specialized Loan Services ( my mortgage financial institution ) in XX/XX/2020, for six months, then in XX/XX/2020 my economical status change and contacted them in order to suspend the forbearance and resume payments, but then immediately I was reported as delinquent such action impacted negatively my credit by more than 200 points ( from XXXX XXXX XXXX ), I understand I should be protected by the CARES act by law, I contacted the bank twice but was told that there is no action from their side. I kindly ask your support to amend such situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 has yet to update my information on my credit account. To them, I practically dont exist. XXXX and XXXX were able to update my information no problem. I sent in documents requested by Equifax by mail to establish my identity and they sent me a postcard saying that they could not find my account due to no credit history. I have called my lenders and they said they have reported to all three bureaus. Due to this, I fear my personal information has been mishandled by Equifax and I have been given the runaround by them every time I have called. I stay hours on end on the phone with them to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not supply 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, nor therefore any such debt, in fact exist.

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 2021-02-24 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: TX

Complaint narrative:
The account XXXX  is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: MI

Complaint narrative:
Is reporting opened but its closed and revolving account XXXX XXXX, XX/XX/XXXX balance unknown XXXX XXXX XX/XX/XXXX is reporting open and revolving but is closed balance unknown XXXX XXXX XXXX XXXX  XXXX XXXX is reporting opened and revolving but its closed balance unknown Inquiries : XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank XXXX reporting delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here. It is just effecting me a great deal as I used PayPal quite frequently. I have more than {$200.00} on my account and I urgently need it for my brother 's medication, he will undergo XXXX and we need that money. Please help me fix this. Thank you. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/XXXX chime closed my account asked me to send in information I did that they informed me they will send the funds XXXX back to XXXX XXXX which they never did they blocked me from calling sent an email that they will keep my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I have been disputed this company since last XXXX. I dont have no clue who this debt or creditors is. I do not have a account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TX

Complaint narrative:
The account XXXX XXXX Bank is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
Therefore this account should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX, my XXXX  Citi card account was closed claiming I did not renew my XXXX membership. I do currently have a XXXX membership. However, I got a new XXXX membership number in XX/XX/XXXX. Since I got a new membership number, I have had no trouble with my account or using my card until I received the XX/XX/XXXX, letter in the mail from Citi saying my account was closed due to my XXXX membership not being renewed. Furthermore, I received no notifications that my account would be closed prior to the XX/XX/XXXX letter, though I was told an email was sent on XX/XX/XXXX, giving me 60 days to renew my membership. I have had this credit card for approximately 19 years and am very disappointed to have lost my oldest credit account and the {$100.00} in rewards I had accumulated but not been paid. So far, I have made four calls to Citi and spent a couple of hours of my time trying to get my account reopened. The last account executive I spoke to informed me that I would need to apply for a new credit account which meant authorizing them to pull my credit report and declaring income, etc. I feel this is an error/miscommunication between Citi and XXXX, and I am the one that is suffering the consequences.

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 2021-02-24 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: TX

Complaint narrative:
The account named XXXX XXXX BANK is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. There fore this account should be delete completely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
While processing a refinance mortgage with Freedom Mortgage on multiple occasions they provided inaccurate paperwork and broke the terms of the closing documents. First, after requesting a mortgage without an impound/escrow account, Freedom Mortgage sent a set of summary disclosure forms with an impound/escrow account included. We refused to sign and Freedom Mortgage eventually sent a set without the impound account, which we sign and should be on file. Later Freedom Mortgage sent closing documents with the impound/escrow included, against our will. 

Weve spoken with representatives with Freedom Mortgage, filed a complaint on their messaging service, indicated we wished to cancel the refinance and have forwarded emails as requested. Its been XXXXour weeks and we have not received a reply or follow-up from Freedom Mortgage. In fact, per the closing documents the first payment wasnt due until XX/XX/2021, but regardless of our request to cancel the refinance, Freedom Mortgage closed our previous mortgage and deducted a payment on XX/XX/2021. 

In fact the only communication we have received from Freedom Mortgage was the result of a previous complaint we filed with your agency and in that response Freedom Mortgage failed to mention that they had not addressed our main complaint or broke the terms of the closing documents by processing a payment before XX/XX/2021. Instead, Freedom Mortgage only offered to refund a portion of the pre-payment fees they charged for including the impound/escrow account against our will. We have been very unhappy with the service provided by Freedom Mortgage and would prefer to work with a different company. If that is not an option, we would prefer that our refinance be processed as originally requested and that we receive a full refund of the $ 9000+ pre-payment fees ( impound/escrow ) that Freedom Mortgage included in the mortgage against our will.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed a bankruptcy that has been reported on my credit profile by Experian. I received a correspondence stating that I needed to dispute the bankruptcy reporting with the data furnisher, XXXX XXXX. I disputed the inaccuracy of the data furnished by XXXX XXXX stating that there was an error on their part and that my profile was mixed with someone else 's with a similar name ; they removed the bankruptcy reporting from my profile on XX/XX/XXXX. I then resubmitted a dispute to Experian. Experian replied in XX/XX/XXXX stating that the reporting was verified with XXXX XXXX as being accurate. Experian is being dishonest. I have attached the correspondence from 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 2021-02-24 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union XXXX account is reporting a late payment for XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST FINANCIAL BANCORP
State: IN

Complaint narrative:
This also concerns Complaint number XXXX. 

Mortgage is paid ahead until 2022. There is no compulsory monthly interest stipulations nor prepayment penalty. Been attempting to make principal-only payments but bank keeps charging interest. They will rescind the interest upon complaint, but this has happened to the point that it has begun to show nefarious and unlawful intent to collect what they are not owed.

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 2021-02-24 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: TX

Complaint narrative:
The account named XXXX XXXX XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account should be deleted completely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation