vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : WELLS FARGO BANK CAR ***** Opened Date XX/XX/XXXX Balance {$180.00} // Charge Off WELLS FARGO CARD SER ***** Opened Date XX/XX/XXXX Balance {$870.00} // Charge Off

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 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am a consumer of the United States and CB/victoria secret is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are falsely representing my character because they are accusing me of an alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XXXX/XXXX/202. Stating all the violations and harm, CB/victoria secret has committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Texas Guaranteed
State: FL

Complaint narrative:
School closed before I finished

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I opened up my mortgage and closed with JPMorgan Chase on XX/XX/XXXX and close date was set for XX/XX/XXXX. The entire process was frustrating, with a lack of communication from my mortgage representatives in terms of moving through the mortgage application steps. 

My complaint is centered around the 'Chase Closing Guarantee ' that has yet to be fulfilled despite now more than 2 months have passed. This is the official definition of this guarantee - 'The Chase Closing Guarantee offers assurance to customers purchasing a home with a Chase mortgage that the loan will close on or before the Contract Closing Date, or the customer will receive monetary compensation in the form of a check, post-closing. ' Chase was absolutely at fault here due to their failure in communication on the day of my closing date, XX/XX/XXXX. My mortgage representative only reached out to me at the end of the day, when it was too late to address any issues. Then they tried to blame my agent because the final documents were missing a {$500.00} brokers fee, but my agent had properly communicated ( I have email proof ) the addition of the fee and it was ignored. This caused my mortgage not closing on the date, and having to spend extra time and resources to reschedule any moving contracts. 

Despite all of this, I still have not received a response from Chase in regards to paying out on this promised guarantee which is frustrating as a loyal Chase customer. I've now reached a point where I have to write in this complaint because they have ignored my requests or are hoping I'll drop this. False advertising and I feel completely misled by such a major institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to THE 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DSNB MACYS XXXX  Opened Date XX/XX/2016 Balance {$0.00} // Charge Off

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 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021 {$870.00} was deposited into my capital one capital one was reviewing it was supposed to be released XX/XX/XXXX first payment of {$200.00} second payment for {$670.00} was supposed to be released on XX/XX/XXXX. I spoke to a senior advisor he let me know he is short me they had my funds and it would be released on the days now Captial One says they sent my money back to the financial institution how do you send money back to a financial institution that Ive close down and unlinked from my external account the external account is XXXX XXXX and at XXXX XXXX  you cant talk to human XXXX XXXX  wont give me my money back and it was never deposited so now Im sitting here out of {$870.00} in the middle of a pandemic. With nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm checking my credit report and I noticed I have some Hard inquiries what I don't know about it. I want to dispute those ones and delete it because they are affecting my credit score. I really appreciate your help Sincerely

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 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
I received a letter dated XX/XX/2021 in which a company known as " AFNI '' stated they were a collection agency for XXXX XXXX XXXX. They were seeking {$270.00} but would " accept a discounted amount of {$150.00}. '' My telephone bill has not exceeded {$30.00} in the last 10 years. I also spoke to customer service with XXXX XXXX XXXX and they assured me I have no outstanding balance whatsoever. 


This is clearly a fraud aimed at extracting funds from people -- -- -most like Senior Citizens, which I am. 
Here is information on their letter : Phone : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX, XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
My name is XXXX XXXX. My wife, XXXX and I purchased a used XXXX XXXX XXXX with XXXX miles in XXXX, XXXX from XXXX XXXX XXXX XXXX, California. The vehicle was purchased with cash and a {$20000.00} loan ( approximate ) using Ford Credit as the lender. A Maintenance Agreement of {$3900.00} was added to the loan with the purchase. After review of that agreement directly after the purchase it was decided that we would cancel that agreement. I contacted the dealership and filled out a cancellation on XX/XX/XXXX. After many visits to the dealership, emails, phone calls and failed promises there has been no action to cancel the policy. A re-submission of the cancellation was made with XXXX Ford/Lincoln XXXX XX/XX/XXXX along with an assurance by XXXX XXXX XXXX XXXX XXXX Ford/Lincoln General Manager that an email to Ford Credit cancelling the policy would be sent yesterday and copied to me, it did not occur. My emails to XXXX XXXX requesting status have gone unanswered. I am hoping that your agency might help with urging XXXX Ford/Lincoln along with Ford Credit to follow through with their legal obligation. I believe 5 months is well past a reasonable period to respond and act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was contacted by XXXX from " XXXX XXXX XXXX '' regarding something against me in XXXX XXXX XXXX. They also called my sister-in-law ( that I know of ). They said I needed to settle a debt with XXXX XXXX XXXX  ( I've never heard of it ) and when I said I believed it to be a scam because of that fact, the representative said it was not a scam and I can try and tell the judge that ( threatening litigation ). She proceeded to say that it was for a Best Buy card ( I have never had one ). I told her to not call me or my family again and that I would sue. She began saying an old address of mine before I hung up. This company obviously had my name, phone number, birthday, and last 4 of my social security number, so it is frightening to think how they came upon that information. I consistently check my credit score which reflects 100 % on-time payments and no Best Buy card, so I firmly believe this to be a scam. The call I got was from phone number XXXX and I was asked to return the call at 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 2021-11-03 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: NY

Complaint narrative:
I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent. 
XXXX XXXX ( {$66.00} ) # XXXX Inquiries : Equifax Mortgage Servi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax Mortgage Servi XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling & Associates, LLC
State: OH

Complaint narrative:
On XX/XX/2019 I received a threatening phone call from Sterling and associates claiming they would have a warrant out for my arrest if I didnt pay {$770.00} during that phone call. If I hung up or did not pay it then, Id be arrested. Said I had a payday loan in my bankruptcy and by doing so they could have me arrested for writing a bad check. They refused to give me the name of the payday loan company. Im a XXXX  mother of XXXX  and was scared to be arrested so I paid it in full that day. Just recently I found the receipt given to me from Sterling and associates so I decided to look them up on the XXXX  website. I saw others experienced the same and that its a fraudulent claim. Id like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
Approximately XX/XX/XXXX I received a letter from XXXX XXXX XXXX  saying welcome they would be taking over my mortgage. I found this very odd and requested documentation proving they indeed bought my mortgage or was assigned to the title as the new lien holder I was never sent anything in writing proving such so XXXX approximately XX/XX/XXXX they begin to report on XXXX XXXX and XXXX credit burueas stating I open an account with them in XXXX which is an absolute untruth as well as a fraudulent statement when questioning them about it I was told it would be removed and the only thing they did was change dollar amount and also had a company called XXXX XXXX run a hard pull through XXXX XXXX which I disputed and was never removed I was told by them XXXX ordered the hard pull and if I felt it was fraudulent theyd just make it a soft pull which is also fraudulent and an untruth. 
XXXX has never been assigned to my title or recorded of deed I went to my county processor office to verify I also have satisfaction of mortgage documents from XXXX mortgage company saying debt was paid in full and satisfactory I would like XXXX to be charged for fraudulently reporting on my credit report in which they have no merit or ownership to do such my credit is in jeopardy every time they report the amount owed differently its been 3 changes since XX/XX/XXXX on my report by them I was referred to youll because credit bureaus disputes XXXX enough to stop or block them Ive never signed any documents or never taken a loan out in XXXX with XXXX if theyre the owners of the mortgage they have never been assigned to title as well as Ive gotten satisfaction or Mortage recorded with the XXXX county assessors office

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: IL

Complaint narrative:
Approximately XX/XX/XXXX I received a letter from Midland Mortage Co saying welcome they would be taking over my mortgage. I found this very odd and requested documentation proving they indeed bought my mortgage or was assigned to the title as the new lien holder I was never sent anything in writing proving such so XXXX approximately XX/XX/XXXX they begin to report on XXXX XXXX and XXXX credit burueas stating I open an account with them in XXXX which is an absolute untruth as well as a fraudulent statement when questioning them about it I was told it would be removed and the only thing they did was change dollar amount and also had a company called XXXX XXXX run a hard pull through XXXX XXXX which I disputed and was never removed I was told by them Midland ordered the hard pull and if I felt it was fraudulent theyd just make it a soft pull which is also fraudulent and an untruth.

Midland has never been assigned to my title or recorded of deed I went to my county processor office to verify I also have satisfaction of mortgage documents from XXXX mortgage company saying debt was paid in full and satisfactory I would like Midland to be charged for fraudulently reporting on my credit report in which they have no merit or ownership to do such my credit is in jeopardy every time they report the amount owed differently its been 3 changes since XX/XX/XXXX on my report by them I was referred to youll because credit bureaus disputes arent enough to stop or block them Ive never signed any documents or never taken a loan out in XXXX with Midland if theyre the owners of the mortgage they have never been assigned to title as well as Ive gotten satisfaction or Mortage recorded with the XXXX  county assessors office

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 2021-11-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: NC

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: PA

Complaint narrative:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax.Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX XXXX XXXX XXXX**** Opened : XXXX XXXX XXXX Balance {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just noticed that there have been several inquiries that have been added by someone that has stolen information. THIS IS FRAUD.

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 My Cash App card was charged by XXXX XXXXXXXX both for {$310.00} and {$350.00} for airline travel without my knowledge or consent. I've tried multiple times since to dispute the charges formally with VisaXXXX XXXX XXXX  XXXXCash App/Square Inc all of each who say I can only dispute with Cash App. Cash App never answers the phone, it refers you to chat. Chat refers you to email, email refers you to chat or to dispute it on the app. There's is no such dispute function on the app. No human ever is inlvolved and now over 3 weeks no formal dispute is filed for transactions I didn't authorize. Visa nor XXXX  nor XXXXXXXX XXXX care whatsoever of the viloation in cardholder agreement, XXXX also doesn't care it was the merchant who charged my card without consent, it all referes back to Cash App with XXXX XXXX in XXXX  but no customer support to resolve any issue. How is this not a class action lawsuit already?

Company response to consumer: Closed with explanation