vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 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: AR

Complaint narrative:
I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about an I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX XXXX {$11000.00} XXXX XXXX {$50.00} XXXX XXXX XXXX {$81.00} XXXX   XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$6500.00} DPT TREASURY XXXX {$230.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$9000.00} XXXX  XXXX {$100000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Compass Recovery Group, LLC
State: GA

Complaint narrative:
I received a call from a Mr. XXXX stating he had a claim that was filed in his office with Compass Group and that he would prefer I call him back to speak with me and find out what was going on before he filed anything through my home county. He left a phone number and case file number to reference. At no point did the caller identify himself as being a debt collector and made it appear that they were a legal organization with plans to file suit on a complaint against me. I only found this was a collector through searching the company name online. I do not have this listed on my credit report from any debt so it must be an old debt if it is legitimate at all. I did not speak with the individual. This information was left on my personal cell phone voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: CA

Complaint narrative:
I AM A VICITM OF IDENTITY THEFT, I HAVE REACHED OUT EQUIFAX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE ALSO REACHED OUT TO THE CREDITORS AND ACCORDING TO THEM THEY HAVE MY FTC REPORT AND THEY HAVE NOTIFIED THE BURAU BUT EQUIFAX REFUSES TO REMOVE THE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I had an account with USAA several years ago and when I lost my job in XX/XX/XXXXI fell behind and eventually the account was charged off. Over the years I have been trying to repair my credit to buy a house and for a long time I have been told that paying the charge off will only hurt my score and make it harder to qualify for a mortgage. Most recently I was advised by the lender to pay the account to help get the scores where they need to be. Back in XX/XX/XXXX I contacted USAA and after several attempts reached the right department to be able to get these balances resolved so that we can move forward with purchasing a home. The balances were paid on XX/XX/XXXX and XX/XX/XXXX respectively. when I contacted the bank at the end of XX/XX/XXXX to get a letter of satisfaction showing that the balance had been paid I was told that the payments were not posted to the account yet for either of the ones made even though one had been paid through USAA bill pay 2 weeks prior. They told me to call back in another week and they should be posted so I can get the letter of satisfaction. I waited a little over a week and called them again only to be now told that they still are unable to provide the letter as they have not properly updated the accounts on the credit bureau. I am really shocked to see how they continue to give us the runaround about just getting something in writing to show that these accounts have been paid when we have paid them both off already. We are now on a time crunch and we have to move. We need help. USAA is not doing what needs to be done to provide us with the information we need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had my account with Citibank for last 2o years and they froze my account with any communication for " Know your customer '' Policy. I did not know my account got frozen until two of my payment got rejected for account frozen. When I called Citibank they said that my wife DOB and SSN was missing and they have to froze. My wife had a citiobank credit card account opened two months back in Citibank and they should have it already, if noy they should contact her or send letters stating that they are going to freeze our account. No communication from their side, more over when I login to my account, I did see the account active without any frozen status for last one week. They should inform customer and also they should update the account status for online customer. I have to pay fine to my vendors for missing payments and they might affect my credit score when I am planning to do a refinance for my business property with another back. When called Citibank they said they will document this to their client experience team. I believe its not right to freeze my account without letting me know.

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 2020-02-07 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: AR

Complaint narrative:
I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about an I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX XXXX {$11000.00} XXXX XXXX {$50.00} XXXX XXXX XXXX {$81.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$6500.00} DPT TREASURY XXXX {$230.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$9000.00} XXXX   XXXX {$100000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-02-07 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: AR

Complaint narrative:
I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about an I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX XXXX {$11000.00} XXXX XXXX {$50.00} XXXX XXXX XXXX {$81.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$6500.00} DPT TREASURY XXXX {$230.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$9000.00} XXXX   XXXX {$100000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On the night of Saturday XX/XX/2020 my phone was stolen out of my back-pocket at a bar called XXXX in XXXX around XXXX. My phone did not have a password, so they were able to log onto my bank of America app, and transfer {$3000.00} from my savings into my checking account. They also went to various ATMS and attempted to withdraw money, but did not know my PIN number. The person made 3 separate transactions totaling about {$3000.00}. They then logged onto my XXXX account and sent themselves 3 separate transactions totaling about {$3000.00}. Bank of America has denied my claim. This is a fraudulent action and I am a victim. I need this money back. It is my life savings that I have been working on since XXXX grade. I have a police report filed as well. I do know how to go about this issue. I am looking for any assistance I can get. Thank you!

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 2020-02-07 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: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Dispute Pentagon Fcu I didnt authorize that Dispute XXXX XXXX  I didnt authorized 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 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Equifax Supervisor, ACCOUNT IN QUESTION XXXX This is my 11th attempt to contact you about this account listed ONLY on my Equifax credit report. Every time i contact you nothing is done and I am ignored. As a United states citizen, i have the right to dispute errors on my credit report that doesn't belong to me. When i keep disputing this account with ACTUAL PROOF your company ignores my requests. I have been sending proof that this account doesn't belong to me since 2018. 
I have WRITTEN proof attached below from the company stating that they do NOT have any account or ever had a account in my name. Since your breach my personal information was stolen, my precious information! I would think that your company would listen to the consumers since you breached our personal information. I would like you to REMOVE this false reporting account from my credit report. You have a hard copy proof attached that they account is NOT mine. I also want to state, every time i report this to you, my score drops over 20 points. This is unfair as i pay my bills on time and work very hard to keep a clean credit report. Please fix my account and remove this false statement from my credit report. I would hope a real person reads this and can sympathize with me. I do not want to have to write in again. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have lived in my home for almost 43 years. 
I began writing my history of how everything led up to the problem I am going through, but I know that you may be interested in specific facts. 
My most current problem is that even though I have been going through a short sale, and the first bank that I owe called XXXX XXXX, was working fine with my buyers, Chase, the secondary loan bank, which was actually a predatory loan, back in XXXX  or XXXX, ( I had just refinanced, in order to fund a group of people who were going to work together to buy and flip houses ) The same Chase loan person called me and said that I had so much equity in the house, why don't I get a Home Equity Line of Credit, I told him that I didn't need it, but he said, well you have all this equity, any time that you need anything you can just write a check. I agreed to it. But did not touch it until I wanted to help my daughter with a vehicle she had purchased, and the plan was to pay me monthly instead of paying high interest. That didn't pan out. 
Okay, so, Chase, who in a short sale would normally get a small amount because the first loan would get the bulk of the short sale, began demanding more money and creating delays in the short sale. I had gone through a chapter XXXX Bankruptcy last year, and just no longer had enough income to pay around {$400.00} to settle both loans. Also, and this has been a very big injustice, even though I tried to modify the loan with XXXX 5 times, at least, kept me at 7.5 % interest, even though President Obama had put out that banks should make it easier for homeowners. They still have me at 7.5 %, and so the debt goes higher and higher. I have adjourned foreclosure many times, and now because of Chase, demanding more, XXXX has taken the short sale off the table. I am XXXX years old and had a very XXXX XXXX XXXX of the XXXX  XXXX  XXXX  being XXXX. I was planning my future to have some moving expenses made available to me through the short sale. Now, the foreclosure is coming up on XXXX XXXX, and I have no money to put 43 years of belongings into storage. 
I endure XXXX  XXXX  XXXX, but I keep working as a XXXX XXXX. Chase has been present at the scheduled foreclosures in order to bid on my home. I believe they are creating this short sale problem to be able to get the home through foreclosure. XXXX XXXX attorney has pretended not to know this. 
I was my mother 's caregiver for 9 years here in this home. My father, XXXX Veteran wanted to stay here, but he moved out and my brother cares for him. 
I have documents to support what I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Attached is all my correspondence with Wells Fargo Auto with whom I apparently owe {$1200.00}. As you will see I have requested on numerous occasions to have the amount owing in writing that they will provide me with the original instrument of indebtedness in its original form. I also have the lawsuit settlement as I was awarded {$6000.00} due to Wells Fargo Auto charging me an " insurance fee '' when I already had my own insurance policy on XX/XX/2015. 

It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially and the lawsuit was settled in my favor, for the loss of my vehicle to repossession. 
I would appreciate if you would review my documentation and obtain a statement of facts from Wells Fargo Auto outlining exactly why they can not produce the original instrument of indebtedness, why they have referred this non-existent debt to a debt collection agency/charge-off. 


Sincerely 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 non-monetary relief
Consumer complaint received 2020-02-07 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: KY

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax asking them to remove an incorrect address from my Equifax credit report. I received a reply dated XX/XX/XXXX, stating that they would remove the wrong address. ( Page 3 of the reply from Equifax states that the disputed address has been deleted. ) I checked my Equifax report again on XX/XX/XXXX, and the wrong address still showed up in my file. I wrote a letter to them on that date but never received a reply. I checked my Equifax credit report again on XX/XX/XXXX, and the incorrect address is still listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
On XX/XX/2020 I tried to withdrawal {$600.00} from the card that I have through American Express Serve. The ATM said, please take your cash, but did not dispense the cash and said : We are sorry, we are unable to process your transaction, your request has been declined. I contacted American Express Serve right after that happen approximately XXXX. I filled out a dispute form the following date XX/XX/20. They are advising that they can do a provisional credit within 10 days but could take up to 45 days for the investigation. XX/XX/XXXX would be 10 days, however now when I contact them, they are stating it is 10 business day and I am not guaranteed a provisional credit, and it could be denied up to the 45 days. I advised them that Federal Regulations state I have to be given a provisional credit within 10 days, but could take up to 45 days for the investigation to be complete. They are advising me that there is nothing more that I can do. I found out on XX/XX/20 they have not even started the investigation, but she will go ahead and start that at this time. I dont understand and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I got an alert from XXXX  XXXX  saying I have a new derogatory account debt which was opened on XX/XX/XXXX and XX/XX/XXXX this unlawful tactic was used to target all three of the major credit reporting agencies. I have never gotten a witten validation letter from Midwest Recovery Systems in XXXX XXXX, Mo. I had an old debt that was charged-off and or closed back in the year XXXX I live in California and it is illegal for companies like MWRS to buy old closed contracts trying to recovery money that is no longer owed and account is closed. There is a statue of limitations after 4 years in my state. This company has ruined my credit score on all of my credit. They start out with harassing phone calls of intimidation talking about lawyers and mediation I was not sued and had no CCJ against me and the fact that they can just send any old piece of information to the 3 major reporting agencies with only profile information and your social and an old bought account number these agencies do not check to see how old the account is they just add it to your file as current by using such appalling illegal practices as a company. I am vehemently opposed to these misleading actions of MWRS. By my rights under the FDCPA and they should not be able to RUIN a persons credit because they are running an illegal scam. I am going to report this company to the AG in my state as well I will not tolerate this type of abuse from no one or organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: ONEMAIN FINANCE CORPORATION
State: PA

Complaint narrative:
Dispute XXXX XXXX I didnt authorize that Dispute one main I didnt authorized it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The issue has been ongoing sense XXXX. I was re-call to XXXX XXXX after XXXX and XXXX until XXXX. During this time frame I requested from Bank of America to reduce my interest to 6 % vs 6.5 % which was never done ; in exchange they credit me back once a month what they figure to equal an .5 %. From day one of this account I have always paid bi-weekly this was taken into consideration nor do I believe the calculation over the year equate to change the interest rate as stated in the Soldier 's and Sailors Civil Relief Act. 

I have researched to find that Bank of America was involved with an class action law suite regarding the SSRA during this time frame ; which I was not inform of at that time. 

Please help me receive the credit to my account that I have service to country for! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon receiving debt collection efforts from Hayt, Hayt & Landau PL, I have specifically requested that they provide me with a copy of the agreement authorizing Hayt, Hayt & Landau, PL to collect debt on the behalf of XXXX XXXX and a copy of the original contract I signed with XXXX XXXX bearing my signature. I sent Hayt, Hayt & Landau, PL 3 requests for this information on XX/XX/19, XXXXand XX/XX/19. Each of their responses purposefully ignored those requests and only sent a slew of bills from the original creditor to myself. THIS DOES NOT SUFFICE AS VERIFICATION OF DEBT. Attached, you will see all 3 requests Ive made for proper verification and their same response which is the slew of bills from XXXX XXXX. I believe they are violating the law.

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 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: NE

Complaint narrative:
The company sent a statement for XX/XX/2019 statement stated that I owed {$420.00} where I worked out a payment plan for {$210.00} per month. I worked out a verbal workout plan where it was {$210.00} per month but then I received a statement stating that it was {$420.00} owed and past due. I dont like my credit being hurt and I dont was unemployed trying to make 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