vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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: Penn Credit Corporation
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: MD

Complaint narrative:
experian XXXX & XXXX XXXX all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XXXX. i have also mailed demand to comply letters. still no response.

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 2021-07-14 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Without any notification Wells Fargo lower my credit limited from {$13000.00} to {$8000.00}. I reached out several time for explanation to date Wells Fargo is refusing to provide an written explanation. I believe Wells Fargo actions were based on race, although I had late payments during a covid-19 hardship, I never missed a payment, nor have I made any or attempted to make any purchases during this time. I feel Wells Fargo is singling out minorities and engaged in a deceptive business practice of offer a balance transfer with a higher line of credit then after receiving the business lowers minorities credit limits which is bate and switch to gain business.

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 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NY

Complaint narrative:
a derogatory mark was placed on my XXXX and XXXX accounts regarding NTL recovery agency. This company violated my FDCPA rights by failing to 1. Send a 30 day letter to inform me of the debt 2. Also failed to validate debt 3. Failed to provide proof of their ability to collect in my county 4. Placed my account on my credit report. I've brought this issue up regarding my transunion account, however they are still showing up on XXXX and XXXX  accounts.

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 2021-07-14 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: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Due to being a victim of identity theft an unauthorized account with XXXX was opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NC

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as the true and lending act 15 USC 1666 ( b ). Reporting inquiries without my permission and the latter responsibilities of furnishers of information to consumer reporting agencies to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TX

Complaint narrative:
On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate theseitems within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigationdue to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the handsof the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WAKEFIELD & ASSOCIATES, INC.
State: OK

Complaint narrative:
I have a collection on my report that is a duplicate and the company has not removed one of the collections. They have not sent me what the collection is for and there is no detail on the my report where they came from either. I've tried to dispute with the bureaus but haven't gotten a response from them either. Please help me to get this removed as it is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
I recently purchased my first home with 20 % down. The home is a re-sale ( not new construction ) and has tax abatement with 7 years left. Although I am not required to ( per my loan agreement ), I am currently being charged monthly escrow payments. I did NOT request this. The issue is that these MONTHLY escrow payments ( $ XXXX/month ) equal close to a FULL YEAR 's worth of tax expenses ( $ XXXX/annually ). Again, this is a re-sale so there are 3 years worth of tax payments and history ( from the previous owner ) showing that the annual tax totals $ XXXX/YEAR. However, Better Morgage Corporation is currently charging me $ XXXX/MONTH in escrow IN ADDITION to the {$4500.00} I have already paid as an initial escrow payment at closing. As outlined in section 1024.17 ( C ) this is far in excess of " an amount sufficient to pay the charges respecting the mortgaged property, such as taxes and insurance ''. I have reached out to Better Morgage Corporation ( lender, who estimated the escrow amount ) via email making them aware of this issue. They responded with the following : " Property taxes taken 1.5 % of the purchase price for monthly impounding for a specific PA property. The property was built in XXXX however when the tax amount is lower than 1 % of the purchase price, these are the guidelines we follow. The purchase price is {$480000.00} and as per the tax certificate, THE TAXES PAID ARE ONLY {$900.00} which is 0.189 % of the purchase price. " ( email communication received XX/XX/XXXX ) In short, Better Morgage Corporation acknowledged that the historical ANNUAL taxes for the property total {$900.00} but are charging me far in excess of that amount anyway. 

Additional Information : Lender : Better Morgage Corporation Settlement Agent : American Legal File # : XXXX Interim Loan Servicer : XXXX XXXX XXXX ( Loan ID # available upon request ) next payment XXXX Future Loan Servicer : XXXX XXXX XXXX Loan ID # available upon request ) next payment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
I have reached out to all 3 credit reports to remove all old addresses, I have sent certified mail to all companies thats reporting the wrong address which has been over 6mos ago, and to change there information to the right address so I can remove the old addresses, but the credit reporting agencys still reporting old information.

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 2021-07-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Ok so I had had to file a complaint about unaccounted for money in regards to my deduction and additions pretty big difference and lucky im smart so I've got screen shot of transaction in one location in my bills and then hours later new ones that were previously days before that they swear had been " pending '' what they do is take it that day say its a hold then take it again so now that I've made it known gotten a lawyer and let them know every payday I have my card locked before I make my first transaction so I go to atm XXXX my time of course card doesn't work they have blocked it and I have to call and unlock card then halftime I call about this or missing money situation they laugh at me and have me hold for hours transfer me back to first deep after numerous complaints XXXX just to be hung up on bank of america has successfully between outright stealing my money and charging XXXX dollar outside network adnthe XXXX per atm and debit transactions eat up at least XXXX XXXX dollars monthly maybe upward of XXXX this misconduct and mismanagement of my money has cost my credit score severely and made me unable to pay creditors borrowed extensively from friends and family lost car XXXX my dog run off and my ole lady

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 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my Transunion credit report, XXXX XXXX XXXX ) reported an unauthorized hard inquiry on XX/XX/2021. 

I did not authorize anyone employed by XXXX to make any inquiries and unlawfully view my credit report. This is a blatant violation of my rights under Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Such an offense is a serious violation of my privacy rights. Please contact XXXX XXXX XXXX XXXX and valid this fraudulent occurrence with this company and provide me with appropriate documentations associated with this company bearing my signature authorizing this inquiry. 

Upon resolution, Im requesting the deletion of inquiry on 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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
There has been a collection of {$770.00} on my credit report since XX/XX/XXXX from I C System. I have disputed this collection several times, only to get the results that it can not be removed because it is verified to be mine by I C System. The last dispute number I did on XXXX  is # XXXX. On today, XX/XX/XXXX, I contacted I C System at phone number XXXX and was connected with an agent by the name of Ms. XXXX XXXX, badge number XXXX, to try to see what the collection was on my account. She stated that she could not locate the account with my name, phone number, or address. I asked if she could contact a supervisor to aid her with finding the account. Ms. XXXX XXXX, badge number XXXX, was the supervisor on call. Ms. XXXX searched for my account as well. They both looked at every person who has my name in XXXX  and were not able to find the account that they are reporting. The last time that I C System reported to the credit bureaus ( XXXX  and XXXX  XXXX was Sunday, XX/XX/XXXX. After being on the phone for 44 minutes, the agent and supervisor could not verify any account in their system connected to me. I am filing a complaint because I asked the supervisor, Ms. XXXX if she could send out a letter verifying my association to this account and debt, she said that she could not do that because she does not see an account/ debt linked to my name, phone number, or address.

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 2021-07-14 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: AL

Complaint narrative:
Please delete all inaccuracies and double accounts and send an updated report to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TX

Complaint narrative:
On Wednesday, XX/XX/XXXX my Wells Fargo Debit Card was fraudulently used with XXXX 's, XXXX Grocery, and XXXX. I received {$93.00} in charges against my Checking Account from Florida. XXXX 's Charge was for {$61.00} and XXXX was for {$31.00}. The XXXX charge was declined by my bank for suspected fraud. Wells Fargo has issued me a new debit card and has provided me a claim number while they investigate.

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 2021-07-14 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: NC

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I AUTHORIZED A TRANSFER FROM MY CHECKING ACCOUNT TO PAY A CREDIT CARD BANK IN THE AMOUNT OF {$500.00} ON XX/XX/2021. I NOTICED THAT THE FUNDS WWERE NOT CREDITED BY THE CREDIT CARD BANK AS BEING RECEIVED. WHEN I CHECKED THE BANK FROM WHOM THE FUNDS WERE WITHDRAWN FROM MY CHECKING ACCOUNT, THEY COULD NOT PROVIDE A CONFIRMATION NUMBER OR INFORMATION ON WHERE EXACTLY THEY TRANSFERRED THE MONEY. I HAVE BEEN KEPT ON HOLD FOR OVER AN HOUR WITH THEIR REPS WHO CAN NOT RESOLVE THE ISSUE. I CALLED THE BRANCH WHERE THE ACCOUNT IS HELD AND THEY ALSO CAN NOT PROVIDE ME WITH NO INFORMATION ON HOW THE FUNDS WERE TRANSFERRED TO AND COULD ONLY SUPPLY THE NAME OF THE CREDIT CARD BANK WHICH INFORMATION I HAD ALREADY. IT IS NOW OVER A WEEK LATER AND I HAVE BEEN CHARGED EXTRA FINANCE FEES BY THE CREDIT CARD BANK AS WELL FOR NOT BEING CREDITED WITH THIS PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
At the end of the month of XX/XX/2021, I received checks from TD bank for an account I did not open. i called their fraud department to make the report. 

I went to three different branches and was informed the account was opened online on XX/XX/2021, as of today the account is still open. I made a police report and in addition I sent TD bank a letter via first mail to report the fraud. 

There are credits for unemployment benefits deposited to the account and a payment to a TD bank credit was made from the account. 

I don't know why they have not taken the steps to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation