vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
In XXXX of XXXX I enrolled with XXXX XXXX XXXX  to assist with my credit card payments. I thought this was going to be better than filing bankruptcy. In XXXX or XXXX of XXXX XXXX XXXX agreed to settle my account for XXXX. XXXX XXXX has been making monthly payments to XXXX  XXXX in my behalf since then. I checked my credit report XX/XX/XXXX, and found a company LVNV Funding was reporting me for collections in the amount of {$3000.00}. I called LVNV ( Resurgence Capital ) and they explained they purchased my credit card account from XXXX  XXXX and that I would need to start paying them because they were the account holder now. I explained to them I settled my account with XXXX XXXX and wanted this removed from my credit report. The agent told me they could not remove it because I now owe the balance of XXXX to LVNV, and its now in collections. I asked why would I pay 2 separate companies for one credit card, and told them I was not paying them anything, and I want it removed from credit report. The agent told me that she will send me some paperwork showing the balance I owe and my account information. I contacted XXXX XXXX and was told an agent was going to review and get back to me on Monday XX/XX/XXXX. I don't know who LVNV Funding is. I never had a credit card with them. I also don't know how, or why, I would owe them any money on a settled account. I also don't know where all of these so called charges are stemming from on a closed account. Please assist with letting me know what my options are. I am attaching screen prints of my settlement info with XXXX XXXX and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: IL

Complaint narrative:
XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies Experian, XXXX and XXXX. Furthermore, I have contacted Experian, XXXX and XXXX as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.

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 2021-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Webcollex, LLC
State: GA

Complaint narrative:
CKS financial, took me to court for a XXXX, XXXX dollar small claims in XXXX county magistrate court. I called the prosecutor and I was advised to turn in my 100 % XXXX paperwork and I did, but they will not stop harassing 's me with lawsuits. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The company portfolio recovery has violated the following actions : Communication tactics- Back in XXXX I received a phone call from a female rep and requested that they do not contact me regarding this debt due to the offensiveness and repeated phone calls over and over again, sometimes after XXXX. 

Threatening to sue : despite me requesting they do not contact me any further, this month, XXXX, I received a phone call from a male rep who i also informed I have requested to not contact me by phone. Contacting me by phone violates debt collection code and is damaging to my reputation and causes me emotional distress. He stated I should know they intend to sue me and he proceeded to call out several addresses ( none of which are mine ) stating they will be mailing their intent to sue to each of the addresses on file. To include an address I stayed at for 3 months for a temporary job assignment in XXXX California in XXXX. The stay was an XXXX  but I had to supply the address for XXXX  XXXX  in California for my XXXX XXXX XXXX XXXX. This violates my right to privacy. They also threatened to send the letter to my parents home which is also a violation of my privacy. 

I filed this same complaint against portfolio recovery for impersonating a Law official and showing up to someones home which was not mine with papers pretending to serve me. They have called my father and disclosed private information saying they will sue me in court. Only one account under portfolio recovery was discharged and they continue with their harassing tactics. And continue to violate these practices.

They are also attempting to collect a debt that is over 7 years old. This debt originated illegally in XX/XX/XXXX with XXXX who then sold the debt to XXXX XXXX, who then sold the debt to Portfolio Recovery. It is now XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26 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: IL

Complaint narrative:
XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies XXXX, TransUnion and XXXX. Furthermore, I have contacted XXXX, TransUnion and XXXX as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.

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 2021-09-26 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: IL

Complaint narrative:
XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies XXXX, XXXX and Equifax. Furthermore, I have contacted XXXX, XXXX and Equifax as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lending Club Corp
State: NC

Complaint narrative:
Lending Club, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX : Lending Club pulled a credit report without my consent and without giving them any information other than clicking on the website and using their rate calculator. I did not request a quote. I did not give them my social security number. I don't even have anything I need a loan for. In fact, I was just trying to see how much monthly payments would be for a friend who needed a loan. Sense I was not looking for myself I obviously did not request a loan. 
( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( phone number not available ) XXXX XXXX : XXXX XXXX illegally purchased my information and pulled a credit report without my permission. 
( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX phone : XXXX XXXX  XXXX : XXXX  XXXX pulled a credit report after illegally purchasing my information. I never clicked on their website. 
( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) XXXX XXXX  : XXXX pulled a credit report. I never clicked on their website. I used to have a XXXX credit card that I opened when I was an employee for XXXX back in XXXX. The credit inquiry was pulled on XXXX ( C/O XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : XXXX XXXX Pulled a credit report after illegally purchasing my information. I don't even know who they are. 




XXXX XXXX XXXX : I did not request anything from this company. 
( XXXX  XXXX  XXXX, XXXX, AL XXXX phone : XXXX I never gave any of these companies my social security number, I never signed a form giving them permission to pull a credit search, I never requested a quote, nor did purchased anything from them. I don't even know who these lending companies are. All I did was click on ONE and they hack into my computer, stole my information and sold it to other lenders. I had to put a freeze on my credit because of this. These practices are deceptive and hurt your credit score. I would like justice please. I contacted Lending Club and they said they don't know who pulled the credit reports from their company and they can not help me ( run-around ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
I applied for a mortgage VA as a Veteran and all Veterans quality as long as honorably discharged from the military as a benefit to homeownership but I am declined. Because of a credit score or FICO score and how can that apply to me. When in the military income is meager and purchasing limited and spend my income and taxed? My pay rate is increased by college credits and to get a good paying job and credit is the reason of score but I paid off my loan in college and no debts. Injustice to me. And business wants to exploit me by credit score. Getting better credit they say buying things with what income? Discrimination! But child support payments are not needed fto report as income for a female. To use as paying back a mortgage.And they have no college. Injustice by the Federal Reserve Board and Chairman! I want to sue the government for {>= $1,000,000} for the discrimitory practice. A homeownership will never exist for me a Veteran with the faalse standards. I would not need a mortgage ever and fair credit reporting non existent. The lenders continue to resort to that credit score. Then XXXX score. Covering up things as I see. Corruption in the government. Whom will rectify the situation? They see no wrongdoing to me. IRS or nothing those white people are racist who are guilty!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I keep getting hard inquiries on my credit report that I never made from a bank in XXXX. I have one from XXXX and I called and they said it was an error and were supposed to remove it from my report. I then froze my credit because I was worried about identity theft. I just got a notification that the same bank pulled my credit again yesterday and when I checked the other inquiry is still on my report as well. At this point I dont know what to do. I thought my credit was frozen so nobody could try to open accounts in my name, but the same bank is still allowing someone to try to open accounts I my name.

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 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XX/XX/XXXX Navy Federal denied a mortgage refinance because they are deducting my companies loss due to participating in The Paycheck Protection Program from my W2 salary. 

The IRS changed the PPP rules so it's not treated as income, therefore any losses due to me keeping my employees employed during Covid are shown as losses, even though the PPP program reimbused me for these losses. 

I explained this to them and they apparently uneducated on how PPP works. 

They also deducted a {$10000.00} grant from my W2 salary. 

So even though I have an over 800 credit score and no debt other than a truck payment I was denied a non cash out refinance. I have over $ XXXX equity in my house and was even going to pay closing costs out of my own pocket. 

They also refused to consider my XXXX W2 Salary and my companies 2021 year to date profit. 

They are clearly treating small business owner unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX and XXXX Card was the same request to resolve and issue showing on my credit report that I did NOT authorize I called on XX/XX/2021, to inquire why they were on my credit report as a hard inquiry, they sent me a letter. When I got the letter to see why I was not approved for their card when they did a SOFT inquiry THAT I DID NOT APPLY FOR. That is when they checked the file on XX/XX/2021 to see what was happening. This apparently resulted in another HARD inquiry just for finding out what was happening. Neither inquiry was authorized. I will agree, I do not understand how most of these credit card companies work. Please help me and remove these hard inquiries off my credit report. This was not fair and not authorized to place a hard inquiry on my credit report. Please help me and delete both inquiries. I have filed numerous disputes, State of TN Affidavit 's and FTC complaint regarding these two inquiries to be removed from my credit report, that I did NOT authorize. I also did not authorize " XXXX ''. Please remove them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I submitted a request to change the 2-factor authentication on my Binance account as my phone had broken, needed replacement, and my two factor auth codes could no longer be accessed. I received a reply on XX/XX/XXXX to send verification documents, including a video of me holding my ID card and reading a statement, and a photo of the ID. I sent the documents promptly. Since then, for 12 days so far, I have had no response from customer support despite many attempts to get in touch with them. The documents I sent were sensitive and I still have no way to access my account, which holds approximately {$10000.00} in cryptocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I requested information from WELLS FARGO AUTO to validate alleged debt, and I have since been ignored. I sent them a cease and desist on XX/XX/2021 and asked that they provide me with the required documentation per federal law so that I can verify and validate the debt they are alleging I owe. My rights were violated several times even after they were in receipt of my letter. I have been harassed by WELLS FARGO AUTO over the phone calling me over and over again and they have sent letters claiming that they will steal my property if I don't pay them. This is a blatant violation of consumer rights. They have also reported this to credit agencies and I have been denied credit as a result of their reporting false information and un-validated debt. I've sent them notice along with an affidavit of truth on XX/XX/2021, to which has gone un-rebutted and ignored. I have also given them another notice on XX/XX/2021 both with return receipt so I know that they got it. They have now cost me thousands of dollars as well harmed my reputation with other companies that I want to do business 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 2021-09-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
So I applied for an Apple Card through apple and they said that the report from you guys saying a savings or checking account in my name was recently closed and thats not possible because i dont have a bank account and also my current address you guys have down i incorrect I havent lived at XXXX XXXX XXXX in 6 or more months and I tried calling you guys and I got no help whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for a VA/HUD addendum mortgage and the bank consultant XXXX XXXX after sending me documents to sign and complete the lender process declined after my calling about the matter. And emails, letter and phone calls he stated were mede but a VA/HUD addendum with the VA Form used to obtain the mortgage loan.The form for a Veteran to obtain the mortgage loan but I am declined because of a FICO score leaving me no options to get a mortgage loan and all involved unknown to me just fraudulent practices on my application. Discrimination against me! VA Mortgage Loans are backed by the Veterans Affairs Administration and I am declined. I want to sue Wells Fargo Bank for $ XXXX.For damages awarded soon I am homeless and a Veteran with first time home buyer opportunity and benefits.

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 2021-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I submitted a dispute, Chime Visa told me it would take " up to '' 90 days. 90 days was up XX/XX/21 and they now still say they have no further information and they aren't sure what's taking so long and have forwarded my dispute to be escalated several times. I am a consumer and I am protected by law. What action should/can I take? I can't believe after 90 days they still have no resolution or information yet, it's been 102 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX I was in XXXX from the XXXX to the XXXX XXXX, in XXXX county Ga. I let my XXXX  ( XXXX and XXXX ) here at home, only had my XXXX with me that police took when I was in XXXX, a person that I know for 10 years was staying in my home and he was the one that took the money and my XXXX XXXX with all my info, he changes passwords and make emails aliases and took money from the XXXX account {$19000.00} dollars first he took on the XX/XX/XXXX $ XXXX $ XXXX-and XX/XX/XXXX {$4000.00} and the XX/XX/XXXX {$5000.00}, on XX/XX/XXXX {$5000.00}. 
For a total of {$19000.00}. 
Mycousing bond me out so when he know this he just took all his things and leave my home so I can not notice nothing but I came back home at XXXX and inmidiatly try to call XXXX but nobody answered then I call my bank because my debit card was linked to XXXX and they can took the last 2transactions of {$5000.00}, it was pending so she pass me with the dispute department I explain all this and they dispute the $ XXXX.but said he has to connect me with fraud department, and in here they freezes my account and debit card at next day I went to the branch and personally talk with the manager open a new account has to open a new email just for my Mobil app of the bank, and run XXXX XXXX, by the way at this point my a XXXX XXXX was complete erraise and hidden on the basement were this person was living I use my XXXX to search for the XXXX and both was loose or stolen then I only rod the XXXX I exchange passwords and all XXXX accounts all this was a lot to the point that I went to buy another phone and now the bank does not want to get involve and apply the chargers of XXXX with a XXXX excuse that I use that account on that time to-pay XXXX but that is an automatic charge so they take that like proof that I use the account I have XXXX for 3 years well that why decide not to add my money to my accct. And no dispute the charges .Now XXXX wants to charge me and the manager of the branch was especific on that I do not have to call XXXX he said because they are linked to us. He was a very helpful person he fill all the documents attached here, but the problem is with dispute even that they make me change my accounts they denied all dispute.

Company response to consumer: Closed with explanation