vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see all attachments listed from : AAA1, B2, C3 E5, F6 Concerning XXXX XXXX, on XXXX/XXXX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 - 8

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is removing positive accounts from my credit file. This practice by Equifax keeps my score low. Once a negative item falls off they remove a positive item. I opened an account with XXXX XXXX XXXX. The credit line reported to my Equifax credit report and one week later it was removed by Equifax. I contacted XXXX XXXX XXXX and they advised that they reported the item to Equifax and that they ( credit rent boost ) have no control over what Equifax decides to remove from someone's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
ChexSystems is reporting delinquent information attached to my SSN and when I filed bankruptcy, all of the information was to be removed and zeroed out. I do not owe any banks or financial institutions. I have tried numerous times to work with ChexSystems, but the inaccurate information continues to be on my file.

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 2021-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, my vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was parked on XXXX XXXX and hit by another vehicle. When I came out no one was around and my vehicle was crushed. I immediately contacted both XXXX XXXX and XXXX XXXX. My vehicle was deemed a total loss by XXXX. My auto loan contained a gap waiver and was covered by XXXX insurance and both payments were issued to XXXX XXXX for the full price of the auto loan. 

However, XXXX XXXX has continued to charge me $ 473 monthly for a vehicle that has been totaled out and paid for. As of today XX/XX/XXXX, they have accumulated charges to the sum of {$4800.00} dollars. I do not owe them this money. XXXX paid them and the Gap waiver paid the balance.

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 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was a victim of identity theft when my home was burglarized in XX/XX/2015 ( XXXX XXXX XXXX report attached ). All my valuables were stolen including a car and a safe box which holds my social security card, passport booklet and passport card. 

I am receiving calls from Midland credit company for a debt that was not mine from XXXX XXXX ( identity theft account ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX Affidavit XXXX XXXX XXXX XXXX XXXX XXXX Refused for Fraud as Color of Law, Do Not Consent, Account Involved in Litigation as Colorable Cause and Jurisdiction Invocation for 15 USC 1692g ( b ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), and 15 USC 1681e ( b ) : ATTN : Fraud Dept : Item Blocked Per Valid Copy of Policed Report Received Confirming Consumer is a Victim of Fraud Due to General Affidavit of Denial of Corporate Existence Judicial Notice : Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, No Contract, Not Contractually Liable, Not Responsible for Payments, Consumer to be Deleted, Third Party Collection Agencies Bankruptcy Petitions Have Filed Inaccurate Accounts Reported in Error, Cancelled and Returned to the Original Creditor, Removed from Credit Report, Have Been Confirmed as Fraudulent, Delete Due to Fraud, Can not Be Verified by Credit Grantor and/or Original Data Furnisher, Signature Rescission Caused by Inducement to Fraud, Clearfield Doctrine Colonialization Due to Violated 18 USC 157, 18 USC 156, 18 USC 155, 18 USC 154, 18 USC 153, and 18 USC 152 : You Have Not Supplied Proof Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I Presume that No Proof of the Alleged Debt, Nor Therefore Any Such Debt, in Fact Exists Due to United Nations Declaration AA222141. 

DELETE ENTIRE ACCOUNT DUE TO CONFIRMED FRAUD : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX, DELETE ACCOUNT FROM BUREAU DUE TO FRAUD : Declaratory judgement counterclaim caused by character defamation, intellectual property infringement, adverse possession claim, and sedition due to colore officii as reckless disregard for reasonable articulable suspicion caused by misconducted commercial liability corporate malfeasance due to negligent public oath officer XXXX XXXX XXXX also known as XXXX, XXXX XXXX also known as XXXX XXXX XXXX impairment of the mental or emotional processes that exercise conscious control of one 's actions or of the ability to perceive or understand reality, which impairment substantially interferes with a person 's ability to meet the ordinary demands of living, regardless of etiology doing business as Chief Executive Officer doing business as Experian Information Solutions, Incorporated doing business as Experian, XXXX XXXX doing business as Experian XXXX XXXX, et XXXX, EMPLOYER IDENTIFICATION NUMBER : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was a victim of identity theft when my home was burglarized in XX/XX/2015 ( XXXX XXXX Police report attached ). All my valuables were stolen including a car and a safe box which holds my social security card, passport booklet and passport card. 

I am receiving calls from XXXX XXXX XXXX for a debt that was not mine from Capital One ( identity theft account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
Wells Fargo Credit Card account ending in XXXX. 
My daughter and I had a joint credit card through Wells Fargo. My daughter had become an addict. The card was maxed out, I paid the card off with a balance transfer on XX/XX/2017. I then took possession of her card and I XXXX XXXX XXXX and closed the account, my daughter was aware of me the closing the card. She then at a later date called Wells Fargo and had the account reopened without my knowledge. I was shocked when phone calls recently came to me and letters demanding payment. My daughter and I do not speak as she has had a criminal mindset. I am retired and pay all of my bills. I was SHOCKED and stressed beyond belief when Wells Fargo started to harass me with the calls and letters. Then to have my credit ran to only see My one XXXX Fico score is now in the 500 's due to this fraudulent account.

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 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from earning warning services, Chex system, XXXX, telechek. My social is XXXX date of birth XX/XX/1993

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 2021-04-23 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:
I received a document that I tried to take out some kind of credit in my name I did not try to get a credit card with XXXX I do not like XXXX they do not have is it in my name XXXX has allowed someone to use the likeness of my name as has Experian on trying to get a credit card that I did not ask for illegally damage in my credit this report is to straighten this situation out I do not desire to have a XXXX credit card I did not see to have XXXX for the car therefore I should not be charged my credit should not be charged in any degree for this I do not have a lot to report because I don't know anything and yeah I want to clarify that I did not try to take out a card or run my credit for a loan or anything similar thank you so much

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 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
After my, the co-borrower on the loan, passed away I couldn't afford to keep the up the maintenance on the house and pay all the bills. I eventually fell behind and the house condition got worse and worse. I applied for a short sale in XX/XX/XXXX and submitted an offer that same month. My authorized third party has submitted the same documentation over and over and still the servicer continues to ask for the same things over and over again. A couple months after I was under review for a short sale, the servicer hired an attorney and filed a foreclosure complaint. I applied for the short sale long before a law suit was ever even filed. The offer that was submitted was rejected so the buyer came in at full price based on the XXXX performed by servicer. Still, they continue to reject for the same reason over and over again. My authorized third party has been on the phone for hours with representatives and supervisors trying to get this resolved. Everytime she calls she is told to send something else in that has already been sent but it is still rejected. The house continues to get worse and worse the longer this drags out. My son and I were forced to move out of the property because of the condition and now because the servicer has taken so long, they say that I am not eligible for any relocation assistance because I no longer live there. Had they reviewed the complete package and accepted the full price offer instead of going round and round for almost a year I would have been eligible for the assistance which I desperately need. The foreclosure was filed in XX/XX/XXXX and by that time I had already been forced to go part time because of COVID so that my son could do distance learning. My credit is so much worse than it would have been because now I have 6-8 more missed payments than I should. What they are doing and have done is predatory and wrong. I have complied with every single request for documentation and I don't know what else to do to get out of this situation, and I feel like they are forcing me into foreclosure which is the last thing I want. There is now another sale date set for the property which XX/XX/XXXX. The first one was set in XXXX and we got that postponed in hopes that this would get resolved, which unfortunately I really don't see happening at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 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: TX

Complaint narrative:
Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I mailed NCB Management Service Certified letters asking them to verify that this debt, they claim I owe belonged to me. I never once received verifiable proof from them with my signature on any type of documents nor any type of paperwork stating that I had any type of legal binding agreements with them pertaining to this debt they claim I owe. Therefore, they proceeded to violate the FCRA and damage my credit. 

Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This has been going on for 2 years now. In 2019 I reported 2 frauds on 2 different credit cards I had with Bank Of America. One of the claims was approved and the second was not approved, when I asked why one of the claims was not approved when they were filed the same day and for the same reason, no one could give me an answer. I was told I would need to pay over 10k dollars. I reopened the claim and filed a police report and collected information from my employer, including XXXX, the company through which my company used the email client where it showed that the person 's XXXX address that hacked our company was in XXXX XXXX. During the investigation, the money wasn't paid because the claim was still open, but at the end, after sending them about 20 pages of proof, police reports, etc, Bank of America said I was still liable and had to pay the amount. My employer was nice enough to reimburse me because we were hacked and that's how my personal card was compromised. The issue was that BoA counted the time of the open investigation as late payments when the person at their local branch AND ON THE PHONE said, that wouldn't count against my credit score. They refused to remove the late payments that show on my credit score because I the fee was not waived and if the fee is not waived, the late payment counts against me, which is something they never displayed to me and as a matter of fact they told me the opposite. I have been fighting to remove this for two years and it's affecting my ability to buy a home. I owe BoA nothing, I paid the 10k for which I was scammed and they still refuse to remove the late payments from my credit score. Please help me. If this does not work I have to file a report with the FBI for the online fraud and see if this will escalate things with BoA.

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 2021-04-23 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
XXXX XXXX XXXX Affidavit XXXX XXXX XXXX XXXX XXXX XXXX Refused for XXXX as XXXX of Law, Do Not Consent, Account Involved in Litigation as Colorable Cause and Jurisdiction Invocation for 15 USC 1692g ( b ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), and 15 USC 1681e ( b ) : ATTN : Fraud Dept : Item Blocked Per Valid Copy of Policed Report Received Confirming Consumer is a Victim of Fraud Due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Judicial Notice : Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, No Contract, Not Contractually Liable, Not Responsible for Payments, Consumer to be Deleted, Third Party Collection Agencies Bankruptcy Petitions Have Filed Inaccurate Accounts Reported in Error, Cancelled and Returned to the Original Creditor, Removed from Credit Report, Have Been Confirmed as Fraudulent, Delete Due to Fraud, Can not Be Verified by XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  to Fraud, XXXX XXXX XXXX XXXX to Violated 18 USC 157, 18 USC 156, 18 USC 155, 18 USC 154, 18 USC 153, and 18 USC 152 : You Have Not Supplied Proof Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I Presume that No Proof of the Alleged Debt, Nor Therefore Any Such Debt, in Fact Exists Due to United Nations Declaration XXXX 

DELETE ENTIRE ACCOUNT DUE TO CONFIRMED FRAUD : American Express XXXX, AMEX, XXXX XXXX XXXX, XXXX XXXX TX XXXX, DELETE ACCOUNT FROM BUREAU DUE TO FRAUD : Declaratory judgement counterclaim caused by character defamation, intellectual property infringement, adverse possession claim, and sedition due to colore officii as reckless disregard for reasonable articulable suspicion caused by misconducted commercial liability corporate malfeasance due to negligent public oath officer XXXX XXXX XXXX also known as XXXX, XXXX XXXX also known as XXXX XXXX XXXX impairment of the mental or emotional processes that exercise conscious control of one 's actions or of the ability to perceive or understand reality, which impairment substantially interferes with a person 's ability to meet the ordinary demands of living, regardless of etiology doing business as Chief Executive Officer doing business as XXXX XXXX XXXX, Incorporated doing business as XXXX, XXXX XXXX doing business as XXXX XXXXXXXX XXXX, et XXXX, EMPLOYER IDENTIFICATION NUMBER : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, Latitude XXXX, XXXX XXXX : Coordinates XXXX XXXX ' XXXX '' XXXX, XXXX XXXX ' XXXX '' XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I sent to your company a notarized affidavit and a police report stating that there was identity theft. Although it was removed when they received the affidavit, it is currently on my credit report. 

I am requesting that the bankruptcy be removed permanently. The affidavit was notarized on XX/XX/XXXX and the XX/XX/XXXX. 

Complaints were filed XXXX and XX/XX/XXXX. This is not a duplicate complaint. 
Originally, it was reported on my Experian account. I researched to XXXX XXXX and I filed a complaint against them. XXXX XXXX got it from XXXX XXXX XXXX. This erroneous Bankruptcy is on my Experian Credit file, not XXXX 

On XX/XX/XXXX XXXX XXXX  supplied the information to XXXX The XXXX is on Experian.

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 2021-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This has been going on for 2 years now. In 2019 I reported 2 frauds on 2 different credit cards I had with Bank Of America. One of the claims was approved and the second was not approved, when I asked why one of the claims was not approved when they were filed the same day and for the same reason, no one could give me an answer. I was told I would need to pay over 10k dollars. I reopened the claim and filed a police report and collected information from my employer, including XXXX, the company through which my company used the email client where it showed that the person 's XXXX address that hacked our company was in XXXX XXXX. During the investigation, the money wasn't paid because the claim was still open, but at the end, after sending them about 20 pages of proof, police reports, etc, Bank of America said I was still liable and had to pay the amount. My employer was nice enough to reimburse me because we were hacked and that's how my personal card was compromised. The issue was that BoA counted the time of the open investigation as late payments when the person at their local branch AND ON THE PHONE said, that wouldn't count against my credit score. They refused to remove the late payments that show on my XXXXredit score because I the fee was not waived and if the fee is not waived, the late payment counts against me, which is something they never displayed to me and as a matter of fact they told me the opposite. I have been fighting to remove this for two years and it's affecting my ability to buy a home. I owe BoA nothing, I paid the 10k for which I was scammed and they still refuse to remove the late payments from my credit score. Please help me. If this does not work I have to file a report with the FBI for the online fraud and see if this will escalate things with BoA.

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