vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: HI

Complaint narrative:
My personal information is being reported as inaccurate and this is a direct violation of the FCRA. My personal information should be updated immediately to counter fraudulent accounts or inaccurate information from being reported on all XXXX of my credit reports, My name should be reported as it reads on my Hawaii XXXX issued Drivers License and it reads as follows and all other names should be deleted immediately, XXXX XXXX XXXX XXXX is my birth given name and should be the only name that shows on my XXXX, XXXX, and Equifax XXXX XXXX, nicknames, know as names, or other names should all be deleted immediately, also my address is XXXX XXXX XXXX, Apt XXXX XXXX Hi, XXXX, all other address should be deleted immediately in accordance with the FCRA, also my Birth Date is XX/XX/XXXX and should be updated immediately on XXXX which only has XXXX reporting as my birth date, also update my place of employment as XXXX XXXX XXXX Co XXXX and it should show on all XXXX Credit Bureaus XXXX, Equifax, and XXXX all other places of employment I want to deleted off my credit reports immediately for inaccurate reporting. Also, update my phone number to my personal phone number XXXX and delete all other erroneous phone numbers on my credit reports Thank You I will upload my Valid Drivers License and Social Security Card my XXXX XXXX, and a Utility Bill as Proof of Identity and Residence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Back in XXXX XXXX i had lost my wallet at the casino but about XXXX later I got a call from the casino saying they had found my wallet and ever since then I been having Bank of America closing my account and saying I deposited some fraudulent checks and I never did. No one wants to bank with ever since then.

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 2022-02-28 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: CA

Complaint narrative:
I called wellsfargo on XX/XX/22 to get a refund I was scammed from XXXX XXXX XXXX XXXX the said they would give me a loan modification and never did anything for 9 months asked for a refund of XXXX dollars now there not answering the phone. So I called wellsfargo for a refund said the couldn't do it because it was 180 day I believe this is not fare I had no protection for my money please help thanks.

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 2022-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, First, I have not turned down the other account XXXX XXXX so please do not put words in my mouth metaphorically speaking because that is not accurate concerning our conversation. However, I do remember your office calling me and inquiring about what I wanted to get things resolved during our first conversation, and I told you that " I wanted all of the overdraft fees returned and all of the XXXX fees returned than I wanted the bank account closed '' My mother who talked to you shortly after I did said the same thing even though any information or conversations with her were limited. 

Nonetheless, as I have stated various times, I don't want to be in a relationship with the bank anymore due to lies, poor information, and the lack of good customer service, especially when I went to get a letter notarized at the bank you're over and was treated like human trash, by an employee your branch hired and needs to fire. 

I doubt that you've even spoke about the situation to her. The letter I needed notarized was time sensitive, and your arrogant and unfriendly employee didn't even try to help me even though 5 employees or more were in the bank at the time ( you can pull the camera footage for that interaction ). 

Also, as I mentioned, she doesn't need her notary license if she doesn't want to do notaries. It's against the law concerning what she did in XXXX. You've made some excuses for her actions but let 's be honest there are none because she believes she is more than what she is per se. 

Lastly, XXXX provided me with a letter to give to you due to their error, and you've have yet to act on that. Maybe it was missed in the attachment section? I am requesting for my requests to be met, or I can contact XXXX XXXX 's office ( either or is fine with me ). 

Best,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan — 
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loan was for XXXX there was a class action lawsuit and this loan was closed in XXXX  somehow XXXX made my federal loan into a private and I have been paying since than. But theres a problem the account should have been closed or forgiven. Instead they are committing fraud making me pay, be in forebearsnce, setup auto pay than they cancel it. The account balance never changes and only increases. My credit was XXXX in XXXX I purchased a vehicle. Than XXXX  reports late payments for XXXX as late payments XXXX years ago this was updated on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc.
State: AZ

Complaint narrative:
I gave Grain my direct account information to auto draft for the bill. According to 15 US 1666B this account contains a billing error I was also not mailed and should not be reporting late. Currently they are hurting my consumer report as a Financial institution who is reporting negative information of me to the credit reporting agencies 15 USC 1681 S-2. I am asking CFPB to Enforce Grain to remove late payments reporting that are indeed inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: NV

Complaint narrative:
Experian has been notified that XXXX XXXX is not my account I have contacted them and the company to let them know its not me this is the second time the same debt that is not mine is showing up on my record.

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 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I had a loan with Speedy Cash back in XXXX, I have been working with a credit repair company and the account was in dispute, and have had no commination with this company since XXXX. Ad Astra RecXXXX created a digital check dated for XXXX in the amount of XXXX and deposited a the fraudulent check into my account as if I just wrote the check. My bank did not honor due to NFS, however, once my bank found out where and how the check was submitted they opened a fraud case. I want to file a complaint on Speedy Cash DBA Ad Astra RecXXXX  for creating and submitting a fraudulent check that I did not authorize nor singed into my account when I have not communicated with this company since XXXX, and without a court order or any other action that should be taken prior creating and submitting a check that I did not authorize. I have also file a complaint with the Ohio Attorney General office. I did not authorize nor sign a check dated XX/XX/XXXX for XXXX to Speedy Cash nor their collection company Ad Astra RecXXXX. Not to mention, how I know the check is fraudulent, they put my new current address on the check ( which I know they did not have ) to make the check appear to recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TN

Complaint narrative:
I have filed several disputes on my credit report and it has not been removing after the problem is said to be resolved. Accounts that have been on time for several years still show poor payments history. Account that are paid off still showing due. There has been no movement in my. Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: MD

Complaint narrative:
Bank XXXX XXXX account is still showing derogatory remarks such as late payments. I contacted the credit bureaus for the removal of these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
This debt is a HIPPA violation and needs to be taken off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: MD

Complaint narrative:
XXXX XXXX XXXX account is still showing derogatory remarks such as late payments. I contacted the credit bureaus for the removal of these late payments.

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 2022-02-28 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: MD

Complaint narrative:
XXXX XXXX XXXXXXXX account is still showing derogatory remarks such as late payments. I contacted the credit bureaus for the removal of these late payments.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted experian on Friday XX/XX/2022 regarding my fico scores. On the experian website, my account allows me to see all 3 credit bureau scores. For both Experian and XXXX, there is listed 2 negative score factors that are false. 1. Serious delinquency or derogatory indicator on credit report. and 2. Insufficient number of accounts that are currently paid as agreed. 

I spoke with 4 representatives who all concluded upon reviewing my credit report, that there are No Delinquencies or derogatory indicators. They stated that all my accounts are in good standing. They could not understand why my score is being affected by this when there is no evidence in my report. I was transferred from membership department to dispute department to membership department and not one agent could fix the issue or help me. 

It appears that the issues are not with my credit report but with the software that both experian and XXXX are utilizing and there are no solutions to my issue.

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 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: HI

Complaint narrative:
Since Waypoint Resource Group , LLC has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
Hello, I contacted Hud on XX/XX/XXXX regarding the upcoming foreclosure date of XX/XX/XXXX for XXXX XXXX XXXX XXXX VAXXXX. I wanted to know what options were available to me. They advised me to contact Loan Depot to inquire about a XXXX Forbearance plan in which I did. XXXX XXXX of the Loss Mitigation department contacted me and after a few days of phone tag we spoke on the phone and he advised me what documents were needed. I emailed all documents to the Loss Mitigation department on XX/XX/XXXX, XXXX, XXXX and XXXX. I received a letter in the mail stating that all documents had been received and I would hear something in 30 days. I was made to believe all foreclosure proceedings had been stopped but to my surprise they auctioned my house on XX/XX/XXXX to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX ph # XXXX. I went to my house on XX/XX/XXXX and there was a No Trespassing note attached to the door and the locks had been changed. I contacted the number on the note and spoke with XXXX we setup a date to get my stuff out of the house and he advised me this would be the only time I could get my belongings. I have not received an eviction notice, I can not get my mail, I was kicked out on XXXX XXXX. Loan Depot has sent me nothing and this has been a nightmare from XXXX. I would like to see Loan Depot and the purchaser or my property be punished for the handling of this sale. Loan Depot Never offered me a Loan Modification, or a Forbearance Plan, they just sold my house from under me. The realtor that purchased my house has violated my rights right from the start. Please help. You may contact me at XXXX, and my contact number is XXXX. I look forward to hearing from you soon. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
Since AARAGON AGENCY INC has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me.

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 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
XXXX XXXX XXXX  allows people to cash checks when the person on id dosent match the person present ( if they even ask for ID ) { XXXX XXXX, XXXX, Tn }. They even let people cash checks without a bank account. I closed my account XX/XX/21, they are still cashing checks with my name on it. 

XXXX XXXX  allows people to accept loans when that person is not enrolled for that current semester. Then when I try to apply for class, I am told my credits exceeds the amount of finacial aid given, my pale grant will not cover the classes. in the meanwhile collecting student loan debt for semesters i am not enrolled. 

I have outstanding student loan debt from University of XXXX and i have never attended that college.They also allow people to accept loans when they are not enrolled in the current semester. 

XXXX XXXX XXXX  cashes these checks. Espesically the one in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America account XXXX XXXX XX/XX/XXXX in the amount of XXXX. XXXX XXXX XXXX XXXXXXXX amount that must not be held from the consumer is XXXX. At the time I didn't know this but ; a XXXX check was issued by Bank of America and mailed to the wrong address, an old address I no longer have access to, on XX/XX/XXXX. Check arrives to wrong address on XX/XX/XXXX. 

On XX/XX/XXXX, I'm notified by BoA via paperless letter about the levy. THIS document had my correct mailing address on it ( I'm attaching it ). 

In between XX/XX/XXXX and XX/XX/XXXX I learn that there is a minimum the consumer must not have frozen from them. 

On XX/XX/XXXX, trying to track down the possible mailing of a check, not knowing how to get it, I call Bank of America customer service and discover that this has happened, when speaking with the BoA legal order team. There was no other notification that a check existed other than the check itself. 

The legal order team told me I had to wait 90 days from that point, for a new check to be issued. ( I'm unemployed and no longer collecting unemployment ) I need access to the XXXX and should not have to wait another 90 days, and be left with XXXX dollars until then. 

The check that was mailed has not been cashed/deposited, according to the BoA customer service XXXX I called customer service again on XX/XX/XXXX, and that check has still been deposited/cashed by no one.

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 2022-02-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian refuses to remove several addresses that I have never lived at, as well as duplicates of the addresses that are inaccurate, as well as numerous variations of my name that have been reported, that are however inaccurate.

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 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XX/XX/22 - Received a letter from Credit Management , LP to collect an alleged debt of {$260.00} for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX under File number XXXX but this is not my debt and now my credit is negatively impacted by this false claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: HI

Complaint narrative:
Since SUNRISE CREDIT SERVICE has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can XXXX me into something I didn't do as I was in XXXX when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can XXXX me into something I didn't do as I was in XXXXl when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. They also said the debts are open as of XX/XX/2022 which is complete 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