vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine 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 explanation
Consumer complaint received 2020-02-08 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a customer of Wells Fargo. I have been banking with them since we moved to the US in XX/XX/XXXX and have several banking accounts including Mortgages and Brokerage. My issue is regarding CDs with Wells Fargo. We have several CDs with Wells Fargo. There is no information online regarding the maturity date of the CD. This information is not available easily even if we call Wells Fargo. Wells Fargo also does not have the mechanism of taking maturity instructions which was to put the funds in to my checking account. The only option that I have is to call within 7 days of maturity, although there is no information on the maturity date. This is a scam by Wells Fargo to use customer funds available at a cheap cost without the customer 's permission. I lodged a complaint with Wells Fargo on XX/XX/XXXX. I was informed by the Customer Care Executive Office that I would be hearing back in 7 business days ( being the latest possible date ) from the Case Management team. I did not hear from them and called them back on XX/XX/XXXX, at which time I was informed that the case had not been assigned to anyone. They escalated to the Case Management team for assigning a case manager to look into my issue. I called again a few days later and was informed that XXXX has been assigned to the case. Although I requested them to call me, I once again received no response. On calling back today ( XX/XX/XXXX ), I have now been informed that XXXX did not do anything with the case and assigned it to XXXX on XX/XX/XXXX and as has been the pattern, she has not bothered doing anything either. It has been close to 20 days since my complaint to Wells Fargo and they have taken no action. This further feeds my belief that Wells Fargo does not care about its customers and has every intention of using customer funds without authorization. I do intend to move my various banking accounts from Wells Fargo to another bank that cares.

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 2020-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Machol & Johannes, LLC
State: TX

Complaint narrative:
Machol and Johannes LLC, attorneys at law filed for a garnishment against my Father and Mother, out of XXXX Colorado, and received a court backed seizure of funds, however the funds seized were in accounts belonging to myself, who at the time was XXXX, and my Brother, who was XXXX, both of us are adults, and I do not even reside with my parents in Colorado, However my entire savings account was seized, {$830.00} dollars was taken out without my knowledge, while my brothers account was also emptied, and the company has refused to even discuss this issue with me. 
This occurred on XX/XX/2020, and neither the state of Colorados Attorney General has given any information, and Machol & Johannes still refuse to discuss their blatant theft from uninvolved parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-02-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2018 I purchased a " XXXX XXXX XXXX XXXX '' from Amazon. If I get their credit card it would save me 5 %. I did get the card. Months later ( about 3 ) my cell phone rang and I almost didn't answer it because I get many Robo calls. It was a lady that said I was behind on my payment. My history for years has be XXXX and I was shocked about this. I said I never received a bill. I called the credit card company and they told me that signing up on line was an automatic email billing. My bills at this time was always by mail. The card company never contacted me by mail. And the phone attempts shouldn't be counted with all the phone issues now a days. I also spoke to somebody that informed me that too much time passed and nothing could be reversed. Okay, my credit score fell 100 points to XXXX and I still haven't reached 800+. For decades I've paid all my bills on time. I think these companies should be required to contact the person by mail before issuing delinquencies such as this. Now I've learned it may take 7 years for my credit rating to be restored. This just isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, XXXX, XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: PA

Complaint narrative:
I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, Equifax, XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a Capital One Savor One card, on Capitol One 's website, when I was offered a promotion to receive {$150.00} signup bonus for spending {$500.00} in three months and 0 % APR for 15 months ( starting at sign up, XX/XX/19 ) on all new purchases. 

I have spent the required {$500.00} and they are refusing to honor the promotion. They say I didn't sign up under the promotion. I have asked them how their system says I signed up and they can't or won't give any specifics. I was careful to follow all the instructions for the promotion given on their web page. I asked if I somehow didn't qualify and they verified that the problem was not qualification, but that their computer said I didn't sign up for that promotion. 

They have also charged me interest on at least one billing cycle. 

The promotion was not targeted or specific to me. It was available to anyone who applied ( and was approved for a card ) on their website, which is what I did. 

This is, at best, a computer error and at worst deceptive business practices. 

The promotion is still available today and I have found evidence of it running continually from as far back as XX/XX/XXXX, using cached web pages from " The XXXX XXXX '' internet archive. Examples are attached. This offer was available through capital one 's web site and was also advertised by other sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: UT

Complaint narrative:
Equifax sent a letter dated XX/XX/2020. Refusing to comply with the FCRA section 605 ( B ) c. This is a willful and direct violation of the FCRA code. I am seeking help from the CFPB in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been making extra payments to my mortgage company, ( Specialized Loan Servicing LLC ) but the mortgage company has not applied these payments to my principal. My mortgage is {$360.00} a month. I have been making a {$400.00} payment twice a month. The mortgage company has applied the balance of {$35.00} from my first payment to principal, my second payment has not been applied to principal and has been applied to future payments. The loan company reports that I am paid till XX/XX/2021. I have asked them to apply the extra payments to principal, but they refuse. They state that I needed to inform them that I wished for my extra payments to be applied to principal. When I purchased my loan, the original company explained to me that all extra payments would be applied to principal, the loan has since been sold to another company. I feel this company has chosen to apply funds in a way that is favorable to them, in that it yields the most interest. They have agreed to change 3 months worth of payments, I told them that was not enough, and that I was requesting they pay down my interest and recalculate my loan. Is there anything the CFPB can do to help 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 2020-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance Corporation had a lien placed against our home. The debt was placed with an attorney. The debt was paid via wired funds to the attorney from the closing of my home. I emailed, and requested multiple times to the attorney to please have it removed and documented through the courts and they took weeks to document it. I just reviewed my credit and my wife 's credit and found out every month Credit Acceptance is posting to our credit " repossession '' and " no payment made ''. They do this every month. This debt is from XX/XX/2015. I would like to have all of the reporting removed from my credit. It has been paid in full.

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 2020-02-08 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: NY

Complaint narrative:
Equifax did not do what they say they would do. After submitting a dispute challenge letter to ( Equifax ). The company finally responded. ( Please see attachment for further details ). 

XXXX XXXX XXXX XXXX : Account # XXXX This account can not be completely validated or verified by Equifax. A violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: TX

Complaint narrative:
First Progress closed my account and didn't even alert me that theyre closing the account. I would like an explanation of why my account was closed but yet I still have access to my online account and was able to setup and make payments but according to my credit reports it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: CA

Complaint narrative:
US DEPT OF EDUCATION/XX/XX/XXXX .. XX/XX/XXXX = Closed .. Balance = {$0.00} .. Monthly payment = {$0.00} ... Current Payment Status = 120 DAYS LATE ... .. I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single FedLoan Servicing account. After much work, I brought my scores up into the mid and high 600 's by XX/XX/XXXX ... I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later ( the first week of XX/XX/XXXX ) ... I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my credit files. I frantically pushed my numbers as fast and as far as I could until late XXXX. I then began the process of purchasing a place for us to live, knowing my options would be limited but time was quickly running out. I finally found a lender that would accept me and just as we were about to sign, during the first week in XXXX, the entry shown above posted at the bureaus ... I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home ... I had successfully disputed this account last year. The notation was removed and the status was changed. It reappeared, again. ... This entry has destroyed my life. I see now that it has refreshed at the beginning of the year every year since the account was closed. I have been permanently marked delinquent. Lenders laugh at me ... Reporting an account that has a {$0.00} balance as late is beyond  irresponsible in this arena. The bureaus should have questioned this entry automatically instead of blindly letting it stand, so I blame them too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade Collections LLC
State: UT

Complaint narrative:
On XX/XX/XXXX Company I had no knowledge of Cascade Collections was on my credit report. Account in this complaint was disputed, Cascade Collections could not meet the requirements defined by FCRA 15 U.S.C. 1681 so account listed in complaint was deleted from credit reports. See Credibility from XXXX  in attachment. 

XX/XX/XXXX Cascade Collections put account listed in complaint that could not previously comply with FCRA 15 U.S.C. 1681 back on credit reports. See Credibility from from XXXX XXXX in see attachment.

PROVIDE PROOF TO ME AND THE CFPB YOU FOLLOWED MY RIGHTS DEFINED BY 15 USC 1681 623 ( a ) ( 7 ) referred to as early warning notice '' WHEN YOU ADDED ACCOUNT IN COMPLAINT ON OR AROUND BACK ON TO CREDIT REPORTS XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as XXXX XXXX and Midwest Recovery, their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX  of XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


Account Info Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$870.00} {$600.00} Payment Info Original loan amount {$600.00} Balance {$870.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ). Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!

Company response to consumer: Closed with explanation