vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently pulled my credit reports and noticed a Capital One account that is not mine and is reporting derogatory. I contacted Capital One and they refused to investigate. It also appears that they attached my social security number on the account that I did authorize to the fraud account, making it look like I have 2 accounts. This is having a severe impact on my credit reporting and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: MA

Complaint narrative:
I am XXXX XXXX, and I am the natural person and consumer. There is no 3rd party involved in this complaint and I am submitting this complaint in good faith on my own behalf.

I have a 30 Day late payment reporting on XXXX XXXX  Account. This late payment is innacurate and unverifiable and it was recorded during the XXXX Pandemic. I need the late payment to be removed immediately from my consumer report.

According to 15 U.S. C 1681 all information on my credit report should be 100 % accurate no questions asked.

I am expecting a full investigation into this late payment and removal. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX - XXXX added incorrect late payments to my credit report on this closed account. This is a violation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
RE : Violation of RESPA and the 2010 financial regulation act by a mortgage servicer. 

FAY Servicing ( XXXX XXXX XXXX XXXX ) charging me a {$480.00} ( corporate advance ) fee on a payoff I ordered this month on Loan number XXXX on property XXXX XXXX XXXX XXXX # XXXX XXXX, CO. XXXX. Fay servicing said this fee was transferred to them from a prior servicer named XXXX XXXX ( XXXX XXXX XXXX XXXX ) who had a loan number of XXXX and was transferred from from XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX. This fee showed up on my statements in XXXX with XXXX and I questioned it. They sent me a very general letter form XXXX XXXX XXXX but no specifics on exactly what this fee was for or who it originated from. I called XXXX XXXX XXXX and spoke to a XXXX in the fee department and she confirmed it was NOT from XXXX XXXX XXXX. I believe XXXX XXXX XXXX is out of business now. It looks like per my file and research the only thing I can think of is they are assessing this fee for an inspection or an appraisal in the middle of my servicing? The issue I have is I was NEVER disclosed verbally or in writing by anyone or signed any docs relating to this fee nor received a copy of an inspection or appraisal if one was done. I believe this fee was created to take advantage of a borrower and to charge them a " junk '' fee for a service never performed and ignored the disclosure laws which were put in law in 2010 namely the Financial Regulation Act and RESPA. I believe Fay Servicing is in violation of these Federal Laws. They ignored my request to research this and to get me answers and talked down to me and basically wanted me to pay it and accept it for its on my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Company says I owe them but can not provide original documentation with my wet signature containing my agreeance to services. I personally have not been to the XXXX  since XXXX under my mothers insurance. 

This must have been from my ongoing ID Theft. I will update the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: PA

Complaint narrative:
I submitted multiple disputes and an FTC report for a fraudulent account on my credit reports. 

XXXX XXXX Equifax - XXXX XXXX XXXX {$38000.00} The balance keeps increasing every month. I never lived here!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: OH

Complaint narrative:
Unauthorized use of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I hired XXXX XXXX to help me with removing items that were hurting my credit score. The Navy Federal Credit Union account XXXX was removed from my credit in XXXX. The same account and same amount was added back on to my report and I do not understand why. This account was first reported in XXXX, over ten years ago well past statue of limitations. I am submitting this complaint on behalf of myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2015 Wells Fargo accepted a bond for {>= $1,000,000} from the XXXX Family Trust. On XX/XX/2015 XXXX XXXX sent an email stating that the inquiry has been logged into the queue with the receipt number XXXX ( XXXX XXXX ). I was never able to access the funds because Wells Fargo Stole the bond and closed my account. Fraud has not statue of limitation.

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 2021-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: ID

Complaint narrative:
Hi, I've worked for a XXXX agency that is part of student loan forgiveness. 
I've applied for PSLF and TEPSLF and have been denied despite my 10+ years of service and more than 120 payments. They ( fedloan ) are saying that I have payments " out of window '' or over the amount needed and therefor do not count for PSLF/TEPSLF I've submitted paper work to fedloan several times showing that I've worked for the 10+ years and I have 89 payments ineligible under PSLF and 116 under TEPSLF. This ineligible amount varies as the loan is split up into micro loans, it used to be one now its split up into twenty plus loans ranging in value. When contacting fedloan I try to get help but I ask a lot of questions ; and the agent gives up on me and eventually hangs up which leaves me no where after being on the phone for hours. I did get some information that my service has flipped hands many times. It went from XXXX XXXX XXXX, to XXXX, to XXXX, to FedLoan. Who knows what was lost in those transactions between services. I'm trying to get FedLoan to work with me on this issue to no avail after many attempts to have them " review '' my account they tell me to call back in 60 days only to have no record of these actions under a fake case number that was given over the phone. This has happened to me three times now no reviews have been done about these pending missing payments that show on fedloan side. I've tried to work with other agents via fedloan to figure out the missing payments and the math doesn't add up to why I haven't been granted TEPSLF. Any help is greatly appreciated. 

Much obliged,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NM

Complaint narrative:
I have tried to call in and get my late fee waived, which has never been done. Every operator is a foreigner who barely speaks english, and hang up on me several times. They never take care of the request for the late payment taken off, and only because I get frustrated, they treat me bad, and refuse the request because they don't like me.

They waive many other peoples late fees, but my late fee has never been waived, and they discriminate against me, when they let other people pay late with no fee and refuse to treat me in the same manner.

It is impossible to talk to people who do not speak english, and always hang up on me. It is impossible for me to get fair treatment. 

My late fee should be waived if others are waived. It is discrimination to not do so. All the operators do is hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lakeland Recovery Solutions
State: CA

Complaint narrative:
I have received daily telephone calls from a company called LLR ( i.e. Lakeland Recovery Services in XXXX, CA ) threating to litigate a past due debt. Voice messages left do not comply with the Fair Debt Collections Practices Act as they do not leave their company name and threatens legal action if I do not call them back. I have retained such voice mails. More concerning is their attempts to contact extended family members and past employers, including my sisters husband. When I called the company on XX/XX/15, they informed me they are attempting to collect a debt from an online payday loan and did not have to comply with the FDCPR because they were a " mediator ''. This is false since they are collecting the debt and will accept payment of said debt directly. I have informed the company to cease and desist any further communication with associates, employers, family members and others. In addition, I have asked them to provide me written documentation of said debt since no one at the company has ever sent me anything in writing, either via email or regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Freedom Debt Relief charged over {$24000.00} in fees. I was advised to ruin my credit and was receiving lawsuits. When I realized all my money went to fees and my debt was not being reduced I filed bankruptcy to resolve the lawsuits. Only one account for under {$300.00} was resolved by them. They refuse to refund any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: VA

Complaint narrative:
My card was locked after I made a purchase I tried to get it unlocked and I was told to send my identity verification I did but they said my ID was expired. I obtained a new ID and sent it to them now they say they cant unlock my card and I contacted XXXX and they said they dont do that they have no way of verifying identification through the phone or instituting a MLU process

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the third attempt to receive a relevant response to my complaint On two previous CFPB complaints, we have submitted an Equifax letter that states seven ( 7 ) hard inquiries would be deleted. 

These inquiries appear on the report 7 months after receipt of attached letter Equifax refuses to address the complaint instead referring us to a dispute process that was already completed and ruled in our favor. 

See attached letter from Equifax showing that hard inquiries would be deleted. Those inquiries still appear on our bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: DE

Complaint narrative:
Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. TransUnion states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

XXXX states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from XXXX. I contacted XXXX which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The Wells Fargo Bank - Acct No. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).

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 2021-09-15 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
I filed a FTC report on XX/XX/2021. This account was due to identity theft. The account was removed from my XXXX account, but this account never was removed from XXXX and XXXX and showing on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: LA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation