vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 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: Consolidated Information Services Solutions, LLC
State: CO

Complaint narrative:
I was supposed to close on a hard money loan with XXXX XXXX XXXX on XX/XX/XXXX. He told me they don't do loans on commercial properties but still pulled my credit without my authorization on XX/XX/XXXX. A XXXX search of the company quickly reveals they have scammed several people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: Comerica
State: PA

Complaint narrative:
XXXX XXXX - inquiry date XX/XX/2020 amount owed {$0.00} XXXX - inquiry date XXXX XXXX amount owed {$0.00} XXXX XXXX - inquiry date XXXX XXXX amount owed {$0.00} coaf inquiry date XX/XX/2020 amount owed {$0.00} XXXX XXXX inquiry date XX/XX/2020 amount owed {$0.00} i have no knowledge of these accounts before today i'm trying to build my credit and this debt and inquiries please block and remove these accounts from my report i reached out to the creditors and they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I don't appreciate wells fargo using XXXX XXXX to represent them & having her go on t.v. to further torment me & XXXX XXXX. XXXX XXXX falsely accused me of harassing her at the bank when she was stalking me on XX/XX/XXXX. The employees at the phenix city location somehow my checking account was being tampered with during XX/XX/XXXX. I was told to go to a local branch by the 800 number to go to a local branch. It was XXXX XXXX who was tampering with my account. I had to open a new account. But after I got it open I was told to go back to the branch again. I was being set up because XXXX XXXX was at the bank which I had no idea. Then after I was at the desk with the banker who was also a witness that I wasn't harassing XXXX XXXX. I did notice how the other employees, were staring at me with a HAHA we got you now look. Then out of the blue, the police came in. But they had a look at what's going on here they saw I wasn't harassing XXXX XXXX.so they left. But wells fargo XXXX XXXX XXXX believed XXXX XXXX side of the story XXXX XXXX sent me a XXXX letter saying my accounts are being closed & I was forbidden not to enter any wells fargo especially the one where they did this XXXX thing against me. 

I never wanted to have an account there, to begin with. But in XXXX I had hail damage on my roof. & my insurance company uses them. This banker XXXX XXXX pressured me into opening account with them, then I get treated this way. This was a XXXX XXXX that the employees pulled at the XXXX XXXX branch. I was treated very unjustly. I had no idea that XXXX XXXX was at the bank that day. But the employees at that branch were doing her XXXX XXXX to try to get me falsely in trouble. 

XXXX XXXX also made XXXX of my XXXX XXXX XXXX. This was very unprofessional for a banker to make such comments as these to a customer. This was very discriminatory & judgement on XXXX XXXX part.

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 2021-03-21 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have been attempting to work with Ally to get this issue mitigated and was promised a resolution at end of XXXX but it just keeps getting worse. Ally incorrectly made an extra property tax payment in XXXX ( after missing to pay a payment ) that resulted in a negative balance to my escrow account and my annual interest statement being incorrect. This has also negativity impacted my new escrow statement and increased my payments. I've requested Ally to resolve by applying the incorrect tax payment which was refunded to them by the county to my escrow account. This finally occurred last week. I was told I would be refunded the resulting overage to my escrow account. This has not happened. Nor was this overage reflected on my escrow true up statement for the upcoming year. Instead on Friday I noticed that Ally made 2 property tax payments this week - one was correct and the other was not due until XXXX. 
Instead of responding to my request for an update they made a reference to my XXXX information. I did not have a mortgage with them in XXXX. 
I am getting no answers from Ally. They keep mailing me the same information over and over ( literally the same printout repetitively ) and provide no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: TN

Complaint narrative:
I received an alert from my credit monitoring system saying that a collection had been placed on my credit recently. Once I was able to locate the collections and find out who it was from I tried contacting and got no response. It is in the amount of {$880.00} from a medical bill that was covered by my personal insurance as well as a victims advocate group for a XXXX XXXX. They have placed this negatively on my credit and are refusing to remove even with police reports, proof from Insurance payments as well as a letter from the victims advocate. I want this negative marks removed from all three of my credit bureaus ASAP. I have never had any kind of negative marks placed on there until AR RESOURCES placed this upon my credit. They are stating that bills were sent to me which were sent to an address I have not lived at in almost 9 months. And this is not something I should be responsible for as a victim. That is the whole reason that victims advocate group step up and take care of medical expenses when someone is XXXX any public location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XXXX XXXX, XXXX I met with banker XXXX at XXXXXXXX XXXX XXXXXXXX, XXXX, OR XXXX and received a HELOC. I received no counseling about loan, was nervous and stressed, and asked banker 3 times is there any out of pocket expenses to this loan if I never use the loan. " no '' she replied 3 times. People in waiting area to see XXXX, I felt rushed and we talked for a while then she had me sign all the documents. I did not have the opportunity to read all small print but trusted XXXX because she promised there is no OOP expenses with this loan. On XX/XX/XXXX I called US bank to close this HELOC account because I knew I could not afford to pay any advance payment interests, therefore I must close the account. The banker said he'd close the account and I would receive a letter to that affect. On XX/XX/XXXX, I rec 'd bank letter dated XX/XX/XXXX, XXXX stating I owed an " outstanding balance '' needed to be paid before they close my account. I rushed on XX/XX/XXXX, feeling very stressed, to local US bank at XXXXXXXX XXXX  XXXX XXXX, OR XXXX at XXXX XXXX, spoke with banker " XXXX  '' who told me I owed {$550.00} in order to close account. I told her I was never advised of any such fees, and if I'd been aware I would NEVER have signed the loan papers in first place. She innsisted I owed this, I asked for supervisor, but none were there.. I told XXXX that I was having chest pain and felt like I was having a XXXX over this demand for {$550.00}, my face was bright red, she noticed this, and said : '' I'll get in touch with a supervisor, there are only a few who are in charge of many banks each, but you go home and rest and we will call you today. I have not heard a word since from anyone at us bank.I contacted my MD because I felt a XXXX was imminent due to stress of that large sum of fraudulent money being demanded. XXXX also told me that penalties and fees will continue to accrue daily until you pay the amount needed to close your account. I have been house bound, sick in bed since then, spending energy contacting US bank for assistance, getting no help after several calls. I've been researching how to handle this very disturbing situation and I've found HELCPA 1988, and HOEPA 1994 " protects consumers with potential financial shortcomings, including lying, coercion, taking advantage of a lack of financial experience ''. I'm XXXX y/o, my income is at the poverty level. " Interest rates, payment terms, & miscellaneous charges must be disclosed with the loan application and before the first transaction ''. per HELCPA. Today is XX/XX/XXXX and I'm sick i bed from this enormously stressful situation. I plan to go to Small Claims Court if possible. Please help me with this injustice and lack of Equity in business.

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 2021-03-21 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
Bill received via USPS, stating they represent my local government and I need to pay this bill of {$330.00} Municipal Services Bureau XXXX XXXX XXXXXXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
To whom it may concerned : I have been informed that there is a debt collection with balance of {$5900.00} with National Credit System ( NCS ) on both my XXXX and XXXX  credit reports. I challenge the accuracy, compliance and reportability of this listing. There has been no validation of any information that I owe any amount of debt. 

This listing was on my file ever since XXXX XXXX. However, I have not received any notice from NCS about this negative information. Per Fair Reporting Act section 623 ( 7 ) ( A ), " the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer ''. 

Also, I mailed a certified Debt Verification letter to NCS on XX/XX/2021 ( USPS tracking number : XXXX ), requesting any contract or agreement that bears my signature to show my consent of payment/debt. After 30-day window, I have not received anything back from NCS that can validate the legitimacy of the above mentioned debt collection. 

I have contacted both XXXX  and XXXX  to dispute this false reporint but NCS has " confirmed '' the information with both of them, knowing that the debt is non-existent ; which blocked my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AXOS FINANCIAL, INC.
State: NC

Complaint narrative:
I opened a mortgage with XXXX XXXX XXXXXXXX ( XXXX ) in XXXX of XXXX. XXXX was subsequently acquired by Axos Bank. I paid my mortgage in full in XXXX of XXXX. I just tried to get prequalified for a loan to purchase a new home and was told that I had a loan on my credit report for {$350000.00} with XXXX XXXX XXXXXXXX. It took me two days to get through to a real person at Axos Bank. She told me to send an email to XXXX. I sent two emails, both of which were acknowledged with a standard no-reply acknowledgment of receipt. It has been two weeks and I have received no reply. I have already missed an opportunity for the property I wanted, but I want to make sure my credit report is clear so that I can continue looking for a new home.

Secondly, I have logged into my account on the Axos website to get my XXXX statement for XXXX. Unlike all other banks that I have ever worked with, they do not provide these documents online ( or at least not for my account ). I have requested this form so that I can file my taxes, but they have not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: NV

Complaint narrative:
I have sent in multiple different letters to the credit bureaus trying to get items that are inaccurate removed from my credit. The last letter I sent to the bureaus was XX/XX/XXXX asking for proof of how they verified the information on my report, I have yet to receive any form of communication from the bureaus. So on XX/XX/XXXX I submitted a complaint through the cfpb portal, the bureaus responded by saying they need to do a investigation into the complaint and that they will respond back to me in 30 days. It is now XX/XX/XXXX it has been 79 days and I haven't received anything from them. So I want to file this complaint expressing that the bureaus haven't done what they said they were gon na do and also feel like they are taking advantage of the time they have to respond due to COVID19. 

Thank You

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 2021-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX XXXXXXXX XXXX indicated to me that they have merged my information into old information from 15 years ago. Told me they can not verify my info. I paid a XXXX charge off trying to clean my credit. They are reporting incorrect into to all three major credit bureaus and they all are reporting incorrect and different information. I have disputed to no avail.

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 2021-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
XXXX XXXXXXXX XXXX indicated to me that they have merged my information into old information from 15 years ago. Told me they can not verify my info. I paid a XXXX charge off trying to clean my credit. They are reporting incorrect into to all three major credit bureaus and they all are reporting incorrect and different information. I have disputed to no avail.

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 2021-03-21 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: Nelnet, Inc.
State: FL

Complaint narrative:
I try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX 2021 my Best Buy card was used by someone who we dont know Best Buy online account for purchase for {$840.00} and order was shipped to different state we dont live or have anyone we know this order was ordered on my sons name I and my family we live in California and all previous purchases was orders and delivered ONLY in California we never lived in any other states ONLY IN CALIFORNIA this purchase was delivered to state of Illinois my son is XXXX years old born and lives with me in CAand he is my dependent and he doesnt have any access to my online account this purchase was made over night of times difference I found out about my account was used by Best Buy email Thank you for your purchase on XX/XX/2021 at XXXX XXXX my California timeI called Best Buy credit card right away and reported the problem explaining what did happened do my online account was used, despite claims were opened and after all I received letter from Best Buy Security Operations on XXXX letting me know so I am responsible for this charges, same time second issue happened with my account from Best Buy, I order a XXXX XXXX for my mother I made that purchase on Best Buy online account on XXXX XXXX on XXXX XXXX I received email same day and same time when I received email about {$840.00} email said my tablet was delivered and after all we never received a XXXX XXXX so second I opened two despute claims for {$840.00} what I didnt purchased and Tablet cost is {$100.00} what I never received after all letter what I received stating I am responsible for the payment of {$950.00} I am not paying a XXXX for what I didnt purchased and didnt received, also I have unauthorized VISA CARD witch is not my Visa card on my Best Buy online account on MY TOTAL TECH SUPPORT account this Visa card ending in XXXX NOT MY CARD ON MY ACCOUNT I dont know who this card belongs to so my Best Buy online account was used by someone one and I want that person be found and be punished charges for {$950.00} I am not responsible for this charges are not mine Thank you!

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 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I received checks from t d bank. I never opened an account with them. The checks had my name and address but not my number and under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
On XXXX XXXX, I was given a XXXX dollar loan from green line loans owned by WAAwaatesi llc company ... This company charged XXXX every two weeks for a apr of XXXX percent a year..This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which WAAwaatesi llc is not..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Please see all attached documents that proves my case. Here are the facts. Holloway Credit Solutions reported a collection account from XXXX and XXXX on my credit report that I noticed in XX/XX/2021. The company sent me a letter notifying me of this debt with a right to dispute the validity of the debt within 30 days from the date of the letter, which was dated XX/XX/2021. Take note of the dates. The company reported this account on my credit report BEFORE sending me the required notice to dispute the account, which is completely against the law. I have already filed a dispute about this and the company is STILL reporting this account on my credit report in violation. See the attached document where the company admits the first contact being in XX/XX/2021 AFTER they reported the account on my credit report in XX/XX/2021. I also attached a document showing the date the account was reported on my credit report in XX/XX/2021.

Company response to consumer: Closed with explanation