vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: NY

Complaint narrative:
In 2002 I have an Experian report of a {$6100.00} payment with XXXX XXXX never paid and closed. 

I called the company, XXXX XXXX and they do not have my social security on file with XXXX XXXX. Experian reports I never paid XXXX XXXX and I never owned this card. 

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 2021-08-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made a purchase from Wayfair on their card which was then rolled over or transferred to/ taken over by Comenity Bank . I returned the item to Wayfair, as instructed, and I have confirmation from Wayfair of the return. Comenity Bank has repeatedly refused to issue the credit to my credit card. I have written numerous letters and made several, several phone calls. At one point Comenity issued a " provisional credit '' and in the same billing cycle reversed that credit ( XX/XX/2020 ). So I wrote more letters. On my statement for XX/XX/2020 the " provisional credit '', from XX/XX/2020 was entered again. That is very confusing and I do not want a " Provisional credit ''. I should simply receive a credit for the item I returned. A " provisional credit '', which could be reversed again, concerns me as it was reversed once before. Once the balance on that account was no more than the credit I expected to receive I stopped making payments on the account so as not to end up with a credit Comenity Bank would owe to me and I suspect I would never receive. Since that time Comenity Bank has charged me a {$40.00} late fee each month. I have written to several people I located online that appear to be a CEO or President, I have gotten no answers other than form letters. This situation is affecting my credit. I do not want to give Comenity Bank any more money than that I legitimately owe to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Mailed a certified letter to XXXX XXXX XXXX for my free credit reports on XX/XX/2021 which was received by them on XX/XX/2021. 
I received credit reports from XXXX  and XXXX  but nothing from Equifax. 
I contacted XXXX XXXX XXXX and they mailed me a letter saying I have to contact Equifax but I could not locate a way on the Equifax website to have the free report mailed to me. 
Can you help? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NM

Complaint narrative:
XX/XX/2021 I received a letter from Phoenix Financial Services claiming I owe a debt to ACH XXXX XXXX XXXX XXXX XXXX. Not knowing who that is I went to the companies website listed on their letter only to see that their website does not exist. Questioning this is a fraudulent company. I called the number listed on the letter and a woman answered and made no attempt under the FDCPA to Identify me nor read me the required FDCPA Disclosure ( mini-miranda ). I informed her I was an attorney specifically in the collection industry and requested documentation of services as defined in the New Mexico ( state of my residence ) Patients Debt Collection Practices Act. She said I was making that up and she only adhered to the " Fair Credit Act ''. I asked if she was referring to the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ), she replied " the law of the land ''?? Assuming she is not trained as a collector I asked for a Compliance Manager. Another woman came on the line and stated that the Medical Center in question was in Omaha NE. I informed her I live in New Mexico, not Nebraska.  She said she did not know much else. I asked for statements, she asked if I wanted to pay my debt. I outlined my dispute and complaint and she told me to get an attorney and hung up on me. 

** '' Get an attorney '' would be inferring to the least sophisticated consumer a threat of legal action. 

XXXX*The 1st rep did not state the FDCPA disclosure, mini-miranda **Refused to provide statements outlining services as dictated under XXXX XXXX Debt Collection Practices Act **My Dispute was not accepted and this debt is reported to my credit bureau. 

*****The letter was sent from a known 3rd party vendor, deemed a violation by the 11th Circuit decision of Hunstein v. Preferred Collection stemming XXXX 's of " XXXX '' type cases to be filed in every court. 

Pre-Suit Demand 1. Waive this debt 2 Delete this credit reporting 3. Restitution of {$1000.00} per violation outlined above. 

Truly XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I filed a complete with this collection agency and got a response back stating the closed this fraudulent account. They claimed there was a signature yet again was fraudulent. They stated In response from CFPB that it was closed and they are still reporting it on XXXX  and XXXX  not only are they reporting this fraud account they are causing me damages and XXXX. and they are in violation. Enclosed is Proof that they are still reporting this fraud. I will take legal action without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: MN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 41 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 41days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Atlanticus Services Corporation
State: CT

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Generated a account for me without my permission or court order jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$500.00} I was scammed out of {$2500.00} for an apartment on XXXX. As soon as I found out I went and filed a police report, printed out all the e-mails and gave them to Citizensbank. Citizensbank turned around and told me there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am making a final goodwill attempt to have you clear up this matter with EQUIFAX Due to the covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have listed the late payments on my report I want to be removed because I'm a victim of covid-19 and legally you should not have put them there.

Failure to comply is a direct violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V.5 To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent.

The following account ( s ) is/are listed as being reported late. Please update them due to the forbearance program regulations. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be updated to accurately reflect a clean payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: NM

Complaint narrative:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to 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 2021-08-20 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I ask that the items be deleted to correct my credit report. 

The following personal information is incorrect : NAME : XXXX XXXX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I SENT A LETTER ON XX/XX/2021 TO THE COMPANY TO VERIFY THAT THIS DEBT IS MINE THEY FAIL TO VERFY THE INFORMATION I ASKED FOR TWICE.SENT ANOTHER LETTER TO VERIFY THAT THE DEBT IS MINE ALSO IN XXXX THEY NEVER RESPONED TO THE SECOND LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: CA

Complaint narrative:
I had sold the leased XXXX VW XXXX to XXXX XXXX - as VW Credit requested, we obtained the Dealership buyout amount and paid in full XXXX XXXX for $ XXXX Contacting VW credit 15 business days later and they had confirmed that the check was received XXXX XX/XX/XXXX and would have " delays '' processing the payoff due to " large backlog '' and said that it may take them another 15 days. 

I called again XXXX XX/XX/XXXX, I believe, and was told the same about the backlog, but that this time it would take them up to another 45 days to complete the process and that my credit may be affected as well as the loan would still show on my account. 

I can not wait for that long as this will affect me in many ways as well as my creditworthiness for my life plans! PLEASE HELP! Volkswagen Credit ( VW XXXX XXXX XXXX is NOT running an honest business here and do NOT care about customers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Up until very recently Wells Fargo gave the option to contact them through email from within the account online. 

They no longer have that option and the only recourse they give to contact them electronically is through XXXX and XXXX. 

This creates a huge hardship in resolving account issues in a timely manner for those of us who do not want to put our financial information in the hands of XXXX and XXXX. 

Please have them resume the email option for contacting them. 
The wait time to call them can be excruciatingly long. Their email customer service was very helpful. 

By making it harder for customers to correct problems Wells Fargo will no doubt collect a lot of unnecessary fees.

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 2021-08-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Please see attachments for previous complaint that was closed. I don't believe there was no activity on the card in XXXX. I do believe as you can read my response to the company 's response that in the system that the clerk/cashier XXXX asked me if I wanted to get a RETAIL card only b/c she saw I already had an active AE credit card under my cell XXXX and under a fraudulent email : XXXX. The person who called me from the XXXX XXXX  said she saw my AE VISA so she offered me the Retail Card. That is NOT true. I did not take the care out until later. She was looking at her computer screen and my receipt shows I was approved for a credit card ending in XXXX, not XXXX as she stated in her response. This is fraud and I don't appreciate wasting my time with lies!

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 2021-08-20 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: LJ Ross Associates
State: MD

Complaint narrative:
I get an alert from XXXX XXXX there a collection in my credit report from L J Ross Associate. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: NJ

Complaint narrative:
Since you closed the complaint no : XXXX, I want to bring to your attention further fraud by royal united. In their response they said that we applied for loan on XX/XX/XXXX, and gave them permission to charge appraisal on XX/XX/XXXX. Infact, XXXX XXXX, their agent called us almost at XXXX  to get our credit card details, we were exhausted and half asleep. We asked him why does he need the credit card so soon, we don't even have a proper response from the seller not even an inspection date. He said it's just for record and will be charged only 10 business after inspection with the consent of buyer and seller and only if the inspection report is satisfactory. Infact, even our broker asked us why is your mortgage company taking your credit card details for appraisal prematurely we haven't even heard from the seller about final inspection date, then we informed her that XXXX said he won't process our loan without the credit card, it's just for deposit. We didn't give him permission to charge our card one day after loan application. Why will we apply for loan on XX/XX/XXXX and ask to charge on XX/XX/XXXX? They also agreed that appraisal was supposed to take place on XX/XX/XXXX with our consent. Then how and why did they charge us on XX/XX/XXXX without an inspection report and without consent from seller and buyer. Firstly, how and when did appraisal company go to the sellers house without sellers permission from XXXX  until XXXX XXXX to have the report ready to charge us by morning XXXX XX/XX/XXXX considering we only applied for loan on XX/XX/XXXX. Also, they agreed that the report of the house is not satisfactory then why did they fraudulently charge us and continue to misrepresent and misguide us. Why did he call around XXXX asking us to provide credit card details under the pretext of it being a valid loan process? They also contended that we don't respond, well we have tried calling them over 30 times, they ignored us. Have taken our money and left us stranded. They continue to harass and frustrate us to the point where we've lost trust in the system. I hope you can atleast recognize their fraudulent behavior and direct us towards the right path against such scammers. Thank you. Find attached, date of charge and outgoing call list

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want htem to be removed. 

XXXX 1. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-21 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Made payment on XX/XX/15 account showing over 30 days late. Made payment on XXXX before and was never reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: MD

Complaint narrative:
I get an alert from XXXX XXXX there a collection in my credit report from XXXX XXXX  XXXX XXXX. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!

Company response to consumer: Closed with explanation