vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 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: CA

Complaint narrative:
In XX/XX/XXXX an account was taken out in my name in XXXX, FL for the amount of {$5000.00}. At that time I was stationed in XXXX for the XXXX XXXX. I have never lived in XXXX. 

I filed a dispute in XX/XX/XXXX for this account and provided my military orders and an FTC Identity Theft Report. Equifax initially agreed with my dispute, added the fraud statement to my account and removed the negative information. In XX/XX/XXXX I received a letter stating that the company that now owns the closed account disputed my dispute and certified that this is my account. Equifax added the negative information back to my account before contacting me. To this day I have not been able to get in touch with the company that owns the debt and I have asked for proof that I own this account and have not been furnished. 

This negative information has the potential to derail my service. I currently hold a security clearance and bad credit is a disqualifying factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV also known as resurgent has bought up debt, which the original debt collector did not have the right to sell, since then I have had mine identity stolen a number of times, many of these debts had already been paid, For a time I had a law firm coastal processing handling these for me, but LVNV would not cooperate, and continue to hire companies make threats,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had my credit card saved on my XXXX account, and one day I get an email saying that the email account linked to my account was changed. Shortly after, I see XXXX purchases made on my linked credit card to XXXX. Despite immediately contacting both XXXX and XXXX, the fraudulent claim was denied. I have not been given any information regarding these charges, I do not even know where the food was ordered to, or what email address my account was changed to.

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 2021-12-13 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: U.S. BANCORP
State: GA

Complaint narrative:
Elan Financial services obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Elan Financial Services obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2021-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I received a texted message from my bank, Wells Fargo, through the phone number ( XXXX ) XXXX stating I had spent {$200.00} at XXXX XXXX which I had not. I responded to the text saying " No '' meaning that was not me, and later on I received a phone call from ( XXXX ) XXXX pretending to be Wells Fargo and " helping '' me out with the situation. They told me the person who had gotten ahold of my information was able to reopen my old card and use it to spend money at various places including two XXXX transfers of {$500.00}. They said in order to get my money back I had to add myself as a recipient on XXXX and XXXX myself the money back. The only reason I followed through with this was because they told me I would receive a text with a code I had to read to them which is usually what happens on phone calls with the bank. Additionally, the text came from the same phone number that sends me receipts for my deposits which is an actual XXXX digit Wells Fargo number. They told me my money would be added back into my account in a couple of hours. Once I saw it was never added back, I called Wells Fargo where I was able to speak with a real representative who told me the situation had been fraud, and they filed a claim for me. Now the claim has been closed, and they are unable to do anything because there was no fraud detected on their side although I lost {$1000.00}.

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 2021-12-13 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Months to present date XX/XX/21 Wells Fargo continues to report balance increases on my credit report which lowers my report. My WF account is closed therefore no balance should be accumulating on my account. Ive attempted to resolve this through WF however they have not taken any action.

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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Not a duplicate compliant. The issue is not resolved. 

XXXX XXXX The company failed to actually resolve my disputes. I have a new one that has proof from a government official but PNC refuses to process my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a customer with XXXX XXXX for about XXXX years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting XXXX know of the change and pay off. I submitted a contract to XXXX, TransUnion, XXXX in order to prove such occurrence. I even uploaded it online to XXXX consumer and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with Attorney XXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held hostage. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with XXXX consumer has been about paying them and holding my report hostage just so they get there money.

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 2021-12-13 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: FL

Complaint narrative:
I have been a customer with XXXX XXXX for about XXXX years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting XXXX know of the change and pay off. I submitted a contract to XXXX, XXXX, Equifax in order to prove such occurrence. I even uploaded it online to XXXX consumer and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with Attorney XXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held hostage. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with XXXX consumer has been about paying them and holding my report hostage just so they get there money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a customer with XXXX XXXX for about XXXX years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting XXXX know of the change and pay off. I submitted a contract to Experian, XXXX, XXXX in order to prove such occurrence. I even uploaded it online to XXXX consumer and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with Attorney XXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held hostage. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with XXXX consumer has been about paying them and holding my report hostage just so they get there money.

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 2021-12-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Complaint involves Synchrony Bank. I have a CD I want o close at its maturity date in XX/XX/2021. I get a letter telling me I can only close account by calling Banker. 

Call number printed on letter, XXXX XXXX after XXXX minutes on hold, I give up. XXXX another number, call that number. After 10 minutes on hold I get someone who proceeds to ask me every possible question to verify my identity. I answer all correctly. 

Then he claims he has to send me a code, on my phone, however its a link to something that doesn't open. Does this twice, then claims the " system isn't working correctly '' So he will call me on my number. Of course that doesn't work either. I ask for a supervisor and am told I will be on hold for a long time. 

So Synchrony has set up a system to discourage and ensure that people can't close their accounts. Oh and he also mentioned the amount in my account, so if I was a thief, now I know how much I can steal.

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 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Ive already disputed it with them from portfolio recovery from XXXX XXXXXXXX it was fraud back in 2012 someone got a credit card in my name and they knew it was fraudulent Ive been sending them correspondence back-and-forth they just sent me a fraud affidavit Ive been dealing with this since 2012 and they just dont want to take it off my credit report off of my XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Reporting crdito on my credit report that dont belong to me : XXXX information is on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and XXXX. As well as JPMCB CARD is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Hi. A little history. My mortgage has been sold to 4 different companies. Each company would change my mortgage ( including escrow ) starting at {$1200.00}, monthly to now {$1700.00}, without explanation. My interest rate is 4 % and my principal and interest is {$860.00} and a now 49 year term since it was sold to the last bank. Originally I was at a 30 year fixed. Im not sure where the mistake happened, and there is no explanation. To top it off, Covid hit and I was forced into forbearance due to covid hardship, at which point it had to be extended. I wasnt able to make payments during the forbearance program, and requested a loan modification with the bank. Ive been applying since XXXX of XXXX. I completed a loan modification packet and documents to support the application, only to have the bank prolong the review by telling me they never received the supporting documents. I would forward them again, only to be told other documents were needed also. This went on until XXXX. Finally I got a denial letter, and was told if I wanted to appeal, and I did. It was knocked down in 1 day, with a denial. After numerous calls, I was Told that unless I can make my 1742 monthly payments, I will keep getting a denial. Why. I thought a loan modification is to modify your loan to affordable payments. Not keep it the same. Nonetheless, I was told to resubmit a new application, which I did. I sent in another packet with the supporting documents. Ive called them on a weekly basis. Now its under review. Im getting a gut feeling that it will be denied again. Ive been living in my house since XXXX. I raised XXXX boys in this house, only to have my eldest son XXXX XXXX XXXX XXXX XXXX I have all his memories in this house and dont want to lose them. I am Incapable of paying the forbearance amount due. 
Covid caused hour reduction at my job. I went from 35-40 hrs to 12 hours a week. I am in over my head. Credit wise as well. 
I was asked why we dont sell. My house is in a lawsuit with the insurance company, for poor workmanship. I havent been released from the insurance company and things still need to be addressed. 
I feel as though Im getting the run around from this bank. 
I have bank forced home owners insurance because no insurance company will insure us due to still having an open claim. However, I used to have a XXXX principal and interest, with a XXXX interest rate and escrow at $ XXXX monthly on a 30 year fixed term. Now Im at 4 %, a 49 year term and having to pay {$64.00} dollars less. Doesnt make sense Any help will be truly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: CT

Complaint narrative:
My mortgage is with Planet Home lending ( purchased from XXXX ). We have been paying down our mortgage principal through our monthly payments. I have requested that Planet adjust our monthly payment amounts owed for this reduction in principal. They have refused by stating '' the investor does not allow this ''. I do not see this requirement in my mortgage terms yet their customer service says that this can not be changed. I have tried several times to reach senior executives and only get form letters. Phone calls are not returned, when you are able to find contact details as these will not be given to customers. 
By not reducing my principal outstanding Planet is charging me interest on a larger amount that does not exist, this creates excess income for them at our expense. 
There are other issues that they do which are not in my terms but again customer service can not explain or adjust.

Company response to consumer: Closed with explanation