vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unjustified late payments on my consumer report from creditor. Several FDCPA violations committed by the creditor CAPITAL ONE. 

See attachment for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Santander Consumer USA Holdings Inc.
State: NH

Complaint narrative:
I received my credit report and noticed a number of Violations involving Santander reporting and need account removed from all three data furnishers immediately. 

Santander is reporting incomplete informatiion across the board to credit bureaus They were involved in class action lawsuit for predatory lending practices in which I was affected. As well as CFPB ordered the Financial instituion to report accurately therefore need to cease and desist collection efforts as each violation as a consumer im entitled to up to {$1000.00} per violation per FCRA and FDCPA below i attached the class action lawsuit. article published by CFPB that implies santander knowily reported incomplete info to CRA 's as well how it is being reported to XXXX  and XXXX  on my report. 
I am a victim of preadatory lending practices I find this account Violates, TILA, FCRA and FDCPA. 

Under Law any form of fraud voids contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back in XX/XX/XXXX and XX/XX/XXXX my credit report was wrongly refreshed and amounts would change every couple months not all reports matched had wrong account numbers amount owed and the company XXXX XXXX and XXXX XXXX which I never had a loan this is not right I have disputed and asked numerous times to fix until I got bullied with a judgement in XXXX of another amount that doesnt match reports of XXXXmy credit score was XXXX and now barely XXXX because of this I have been back and forth for months with all of you to remove inaccurate information All credit reports Dont have accurate information this isnt right please fix this before i seek other measures

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 2021-07-08 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: GA

Complaint narrative:
Back in XX/XX/XXXX and XX/XX/XXXX my credit report was wrongly refreshed and amounts would change every couple months not all reports matched had wrong account numbers amount owed and the company XXXX XXXX and XXXX XXXX which I never had a loan this is not right I have disputed and asked numerous times to fix until I got bullied with a judgement in XXXX of another amount that doesnt match reports of XXXXmy credit score was XXXX and now barely XXXX because of this I have been back and forth for months with all of you to remove inaccurate information All credit reports Dont have accurate information this isnt right please fix this before i seek other measures

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Arete Financial Group
State: NY

Complaint narrative:
I SIGNED A CONTRACT WITH ARETE ( DBA ) XXXX TO PAY MY DEBTS .ARETE  TOLD MEI WOULD COST ME {$750.00} TO PAY MY CREDITORS LISTED BELOW.BEGINNING XXXX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX AND ON XXXX XXXX WE AGREED T0 INCLUDE. XXXX XXXX XXXX FOR INCREASED PAYMENTS OF $ XXXX  MONTHLY BECAUSE ARETE WOULD CALL AND TRY TO GIVE INFORMATION BY PHONE BUT WOULD NOT GIVE ME WRITTEN INFORMATION I CANCELED HE CONTRACT. 
LATER I DISCOVERED THEY MAY HAVE SETTLED A CASE THAT WAS NOT MINE AND IT WENT TO COURT IN XX/XX/XXXXI DID NOT EVEN KNOW ABOUT THAT CASE.I PAID TOTAL OF 21 MONTHS FOR {$17000.00} ARETE SETTLE XXXX XXXX XXXX FOR {$5400.00} I AM UPLOADING ONLY BEGINNING AD ENDING BANK STATEMENTS BUT ALL 21 MONTHS THAT I PAID.I AM SENIOR CITIZEN PHONE CALLS WAS SO CONVINCEING.MY CREDIT SCORE WENT FROM XXXX TO XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-08 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Back in XX/XX/XXXX, when I managed a charity online utilizing several online seller platforms such as XXXX and XXXX for a non-profit company, XXXX XXXX XXXX XXXX XXXX ( XXXX ), we created an XXXX seller account using my personal credit card. During the active online selling, XXXX unilaterally remove our selling privileges on XX/XX/XXXX and blocked us to log onto our account. While we were asking for the reason for their decision to block our account, as my last day of work XXXX XX/XX/XXXX XXXX for the XXXX was approaching, from XX/XX/XXXX XXXX and my colleague sent daily email to XXXX to remove my personal credit card on file and call us to update the financial data as XXXX did not allow us to log on and update the information. We sent daily reminder emails to XXXX, but did not receive any response until I left XXXX on XX/XX/XXXX ( see the attached email chain ). When I saw $ XXXX pending charge on my credit card on XX/XX/XXXX, I knew that XXXX failed to remove my personal credit card information, so I contacted XXXX  if they received any response from XXXX and reason for the charge, and my former colleague forwarded the enclosed email chain explaining that they still had not yet received any responses from XXXX. They couldn't even check the balance, couldn't even know the reason for the account block. So I contacted immediately Chase about this $ XXXX unauthorized charge on my credit card on XX/XX/XXXX, and customer service told me to wait until the charge was posted to dispute the charge. So on XX/XX/XXXX, I saw the pending $ XXXX charge eventually posted on my credit card, so I contacted Chase customer claim department to explain the situation and asked to send all supporting document _ So I faxed the enclosed signed letter with the email chain, but Chase resolved the issue indicating that they closed the dispute because I had received the service ( please see enclosed letter from Chase as well ). My main reason for dispute was the unauthorized charge because of my many attempts to remove my personal credit card on the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Please see the attached letter regarding violations of Massachusetts General Law Chapter 93A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc.
State: DC

Complaint narrative:
I heard from this company one time. They called me and told me about a debt that was not mine. I have been a victim of stolen identity since XXXX. My purse was stolen by a room mate of mines and every since this happened I had random things pop up that do not belong to me. This company California Bureau contacted me telling me about a hospital debt saying my New York insurance did not cover it. I was unaware about what this place was speaking of especially since the spoke of a debt from XXXX and I recently just got the phone number they were calling me from. 
Next she just started telling me I had 30 days to give them the money and that they know where I live and if they have to put this on my credit it's going to ruin it. 
I then went on to explain that I was not the person who was there, she kept saying oh well you have 30 days and I'm sending a statement to a address that I no longer reside at. 
She then warned me that this is going to damage my credit if she had to report it and she does not get the money. Next thing I notice in XXXX someone illegally ran my credit report and the notes said I applied for a loan. ( same company ) I did not give them permission to run my credit nor did I apply for a loan. A couple weeks later They placed a collection on my credit. I assume the person that stole my identity has been using my medical insurance and was not able to use it with these people and then they tracked me down due to searching my credit profile with the unauthorized inquiry. This is not my debt and I don't want to continue being responsible for an Identity thief.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: ERC
State: MD

Complaint narrative:
To Whom it may concern, I never had a collections account with enhanced recovery collections. Please delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My mortgage is serviced by a company called Mr. Cooper ( www.mrcooper.com ). Its headquarter is in XXXX, TX. I have an escrow account with them. My homeowner insurance is with The XXXX and is going to be expired on XX/XX/2021. 

I contacted them couple of times before/on the expiration. They did not pay my insurance on time and almost cause me to lose my coverage. I have to pay it by myself on XX/XX/XXXX. I am a very vigilant consumer and always watch out my bill. Otherwise I don't even know my homeowner insurance hasn't been paid. At the mean time, I am very disappointed with Mr. Cooper. They told me they did not receive the latest bill from my insurance company. I don't accept this explanation. If they don't receive the latest bill from my insurance company, they should contact with the homeowner. Apparently, they did not have early warning set up in their system which could inform the homeowner of potential late payment of insurance / tax bill. Their service organization could be dysfunctional and could potentially become mess in next housing crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NY

Complaint narrative:
I XXXX XXXX an identity theft victim. I am including my driver 's license, an Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit in where I detailed all of the charges that I did not make. I meet all of the requirements for the Block and Removal of information on my consumer report that resulted from identity theft under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This communication is in reference to the lack of response after the Affidavit of Truth Ive sent in order to address the violations of my rights MIDLAND CREDIT MANAGEMENT in violation of FDCPA and FCRA for the following : Failure to respond within 30 days of receiving of dispute letter ( 15 use 1692g ) ; Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 

MIDLAND CREDIT MANAGEMENT also doesn't have the right to furnish any information on my consumer credit report ( 15 usc 1681b ( 2 ) ) There are XXXX account being reported on my consumer credit report for this alleged debt. 

Attached are the documents that were sent out on XX/XX/2021 via certified mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: WV

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NC

Complaint narrative:
XXXX XXXX Account # : XXXX Balance Owed : {$1500.00} XXXX Account # : XXXX Balance Owed : {$440.00} XXXX Account XXXX : XXXX Balance Owed : {$25000.00} XXXX  Account # : XXXX Balance Owed : {$6700.00} XXXX  Account # : XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$270.00} -- -I have submitted my dispute letter for these accounts as I believe these are inaccurate but I have not received any results from the credit bureaus. It has been more than 45 days.

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 2021-07-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX Account # : XXXX Balance Owed : {$1500.00} XXXX  Account # : XXXX Balance Owed : {$440.00} XXXX Account XXXX : XXXX Balance Owed : {$25000.00} XXXX  Account # : XXXX Balance Owed : {$6700.00} FCO Account # : XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$270.00} -- XXXX have submitted my dispute letter for these accounts as I believe these are inaccurate but I have not received any results from the credit bureaus. It has been more than 45 days.

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 2021-07-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed the XXXX XXXX XXXX Account # : XXXX several times to the credit bureaus but I have not getting any response regarding the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have a Va Mortgage Loan with XXXX XXXX  XXXX XXXX XXXX but, i never see it in 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 2021-07-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Account # : XXXX Balance Owed : {$1500.00} XXXX  Account # : XXXX Balance Owed : {$440.00} XXXX Account XXXX : XXXX Balance Owed : {$25000.00} XXXX Account # : XXXX Balance Owed : {$6700.00} XXXX  Account # : XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$270.00} -- -I have submitted my dispute letter for these accounts as I believe these are inaccurate but I have not received any results from the credit bureaus. It has been more than 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX # XXXX on XX/XX/2021 did not find a solution to my mortgage situation and never got back to me, when he said would showing outright negligence. If you can stay away from PNC bank for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On or about XX/XX/XXXX I rented a temporary mailbox service from The UPS Store located at XXXX XXXX XXXX XXXX Washington. DC. I paid a total of {$170.00} using my Wells Fargo XXXX card and I told the merchant I only needed the mailbox for NO LONGER THAN 90 DAYS - MAX! At the time of rental, they were quite discombobulated and disorganized and couldn't provide my mailbox number, the key. nor instructions on how to access the mailbox. I said to the clerk, OK ; I'll walk down to XXXX 's at XXXX XXXX and do some shopping and will stop by on my way back. She said that would be best given their disorganization and the long line extending down the sidewalk from their counter. Approximately 2 hours later still no keys, mailbox number, or instructions. I agreed with the clerk to come back later that afternoon before closing. It was a situation of the same kind ; no key, no mailbox number, and no instructions. I didn't like this. I tried back for 4 or 5 days with no success. At the end of that time I was traveling to XXXX Virginia to live on my farm for protection from Covid-19. One thing led to another including exhaustion from not being able to get my mailbox info, and I forgot about the mailbox until XXXX they started spamming me demanding that I pay them more money for the extension of my mailbox that they never assigned to me, nor provided a key or instructions. ( NOTE : it was not until they started spamming me that I learned my my mailbox number XXXX ) Initially, I let the costs slide until they became very persistent and rude on the phone. At that time I filed a dispute with Wells Fargo to get my money refunded as The XXXX Store 's manager, XXXX refused citing " no refunds ''. Wells Fargo denied my dispute for services I had paid for but never received and have subsequently closed my bank account citing the under The XXXX ' law i'm not entitled to a refund. I don't know how The XXXX law applies to my U.S. based account opened by me ( a U.S. citizen ) in Washington, DC. ( My guess is that the caller told me who called about the dispute identified herself as being in XXXX, XXXX XXXX XXXX. Since on or about XX/XX/XXXX The XXXX Store has spammed me ( at least once daily, sometimes more ) to pay an additional bill I've filed a complaint with the Federal Trade Commission about that abuse. For resolution, I want my {$170.00} refunded to my account, my Wells Fargo checking account reopened and all negative marks on my account permanently removed, and my account remain in an open and active status.

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 2021-07-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation