vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX i DONT OWN ANY OTHER STATE IDS OR ADDRESS ANY OTHER STATE ADDRESS OR ANY INFOMATION OTHER THAN WHAT IAM SUBMITTING my lawyer disputed and wrote a letter to all collections on my credit report all incorrect information is incorrect all account that do not match my Id information with same state and address is considered fraud and must be removed I am making a final goodwill attempt to have you clear up this matter. The account they sent back verified are entirely inaccurate, incomplete and represents a very serious error in they reporting. 


I have attached me id & theft police report & letter that my lawyer have wrote this companies with no responds my wallet was stolen So everything that is on my report must match my id The thieves are still using it till this day I will not freeze my accounts because this allows me catch anying who is using with alerts set up in realtime these are the accounts I have verified and some of these are not reporting on all credit reporting at all!!!!! With is another volnation of law. they are as follows loans XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1400.00} credit cards XXXX XXXX XXXX {$370.00} XXXX XXXX {$1000.00} error is currently reporting {$0.00} this wrong XXXX XXXX XXXX use {$2000.00} error every payment was on time currently reporting two late payments

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Progrexion Holdings, Inc.
State: OK

Complaint narrative:
On XX/XX/2020 I heard a radio commercial and called CreditRepair.com regarding an item on my three credit reports. The person I spoke with at that time seemed sympathetic with my situation and assured me that Credit Repair .com could certainly help. He stated that it may take some time, perhaps three months. I signed up and let them do their thing. Now five months later and after almost {$600.00}, they have not been successful, and in fact have simply sent out form letters every month as " challenges ''. I spoke with them to terminate my subscription and felt like a complete loser that I had given them so much money. Now they say that not only will they not credit me back any of the funds, but they bill in arrears and I have more charges coming. I have no idea how they could bill in arrears when I was billed originally on XX/XX/XXXX, just one week after we first spoke. They have billed every month on the XXXX since then in the amount of {$110.00}. I can't believe I was scammed out of {$600.00}. AND THEY WANT MORE!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TN

Complaint narrative:
I have already disputed this debt once before and it was removed from my credit report because it does 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 2021-04-30 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: AZ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good day- I have experienced bank fraud with Bank of america XXXX XXXX Branch by means of a female employee stealing my business bank card info after my bank visit, it's happened twice to date .. 

1st theft : i went into the branch XX/XX/XXXX noon appt to ask about banking monthly fees because it's a business acc ... the person that assisted me was new and didn't know what he was doing so he ask a female employee to help and she did ... ..5 days later XXXX/XXXX/XXXX i received an alert saying my business card was set up for recurring charge of {$2800.00} from a clothing store in ohio called XXXX ... .i immediately alerted BOA fraud dep to stop the transaction and investigate it ... .they did and found nothing said, the clothing store doesn't exist ... .my money was returned .... this employee is obviously a professional thief ... .. 

2nd theft : this time i was prepared for this female professional thief .... i went into the branch XX/XX/XXXX noon appt ... .to change my last name on my business account from XXXX to XXXX due to marriage ... ..once again the person assisting me is new so she ask the same female that stole from me the first time to help, and she was more than willing ... i left the bank just like before .... 5 days later XX/XX/XXXX my business credit card info was stolen and set up as a recurring charge for {$80.00} from the same place in Ohio .... but this time I caught it immediately because I expected it. I reported it and changed my card .... I was unable to request an internal investigation because the bank temporarily closed for 1 wk after my visit so the thief is still working there ... .i will go there when they reopen XXXX.to retrieve the thief 's full name ... if she stole from me twice she's doing it to other customers .... 

*****Bank of America info : XXXX XXXX XXXX XXXXXXXX XXXX XXXX florida XXXX # XXXX. 

XXXX My Info ... ..XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX i own the company XXXX XXXX ( XXXX XXXX ) ,,, XXXX cell

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 2021-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
The Mortgage Company has completed 2 loan modifications for me previously. Both increased my mortgage payment which I was having a difficult time being in first place which is why I feel like requiring the loan modification. After the second loan modification I feel behind almost immediately. Shortly after that Covid started And somehow I was put on the forbearance program. I continue to make monthly payments in some cases more than I could when I get afford it trying to get it got it. I was told this year 2021 that they were increasing my payment again because the escrow a short. The escrow was short because I fell behind on my payments not because it wasnt right in the first place. On XX/XX/XXXX they sent me paperwork to do another loan modification which I really do not want to do. I told them this because each time theyve done on my modification for me I have been screwed over and I have to pay a higher monthly payment. The loss mitigation department told me that they would except partial payments to try to help me get this caught up as quickly as I could while I contemplated doing the new loan modification. They excepted payment of {$1600.00} which was processed on XX/XX/XXXX. I called back today to try to make another partial payment of {$500.00} and just set up a partial payment for next Friday of another {$500.00} and then to schedule another {$1600.00} by the end of the month. But because customer service group has refused to connect me to last mitigation. The customer service group continues to tell me that I have to make at least Two payments which will be over {$3000.00} or they can except no pain at all when I try to explain to them that Ive already spoken to Loss mitigation twice this month, they tell me that lost medication can do nothing to help me and they just keep telling me I need to make a payment of {$3000.00} just get it caught up 30 days behind. I would like for the loss mitigation department to contact me and to except my partial payments as Im doing everything I can to catch my mortgage loan up without having to do another screwed up screwed modification. I would not recommend this mortgage gauge company to anyone they do nothing to help people and all Im trying to do is to get my payment caught up which fell behind because they increased my mortgage payment and my interest-rate when they did a loan modification. Please have someone call me from the money source preferably may be a lawyer or somebody from last medication so I can start making these payments. 

Customer customer service department refuses absolutely refuses to connect me with loss mitigation. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TX

Complaint narrative:
On XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX, Synchrony Bank Credit Card closed the following credit cards with XXXX balances. The cards were the " Discount Tire '', " Conns '' and " XXXX XXXX ''. To my knowledge, none of the cards were ever delinquent. I received notice that the accounts were being closed based on information obtained from XXXX. According to the notice, the accounts were being closed because either high balance to credit limit, or delinquent status, or to many revolving accounts with high balances. 

The company made no attempt to contact me to gain an understanding of my financial situation. 

I find the Synchrony 's actions to borderline on XXXX and immoral, I base the statement on the fact we are coming-off a pandemic year and instead of working with an XXXX to address the need or to understand the needs, the CEO choose to close the accounts in a segment of the population that probably needs assistance.

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 2021-04-30 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: CO

Complaint narrative:
Equifax has my loanpal acocunt under the name XXXX XXXX XXXX while using my Social Security nuimber. My legal name is XXXX XXXX XXXX. Equifax still has not allowed me to dispute this and they refuse to provide any support on this. This needs to be fixed so the name on my account matches the name on my Social Security Number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC
State: CA

Complaint narrative:
This complaint is related to existing complaint # XXXX, and its a revision to complaint # XXXX. XXXX XXXXXXXX XXXX outsourced a debt collection to P & B capital on their behalf, I attached the original collection letter that was dated XX/XX/XXXX. 

I have listed the 3 problems below!

1. As you can see in the letter it has complete XXXX XXXX listed as the current creditor. Complete XXXX XXXX has never lended me credit, they are a debt collector not a credit lender. 

2. I have attached the debt verification letter that I sent back to P & B capital and XXXX XXXXXXXX XXXX on XX/XX/XXXX. NO VERIFICATION WAS EVER COMPLETED OR SENT by either company which is documented in the original complaint # XXXX. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) clearly states after ignoring a written request to verify the debt which they have 30 days, they can no longer continue to try and collect on that debt.

3. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) also states after receiving a written dispute the collector must stop collecting on the debt until verification is received. XXXX XXXXXXXX XXXX also violated this act by reporting a negative debt on my credit reports on XX/XX/XXXX. 

I spoke with a woman this morning XX/XX/XXXX from XXXX XXXXXXXX XXXX via phone call. She confirmed that they were using P & B capital to collect this alleged debt for them, this means the same rules and timeline that apply to P & B also apply to XXXX XXXXXXXX XXXX. P & B capital has still yet to respond to CFPB complaint XXXX regarding this matter, which they are legally obligated to. XXXX XXXXXXXX XXXX and their hired partner P & B capital have broken multiple rules and are continuing to act as if they are immune to the 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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo refuses to close acct, always coming up with another excuse then tries to ding me for overdrafts from subscription services the ex wife has and has not closed.

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 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 I have received my account paid in full letter from capital one auto. Recently I wanted to purchased something and I was denied because on all 3 credit report it shows that I still have a loan. Although I informed the manager at the company that the account was closed. I was told that because it is still on my report I got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
I was using a month to month gym membership at a gym called XXXXXXXX XXXX XXXX at my seasonal home in XXXX XXXX Maryland. Started in XXXX and I called to cancel several times in XXXX through XXXX of XXXX due to Covid. Their voicemail simply just said they were closed due to Covid but I still left several messages saying I was canceling my month to month. They never got back to me and in XXXX I received an email from a company called XXXX XXXX out of XXXXXXXX MD saying that they were open and they started charging my visa. I disputed the charges and finally had to block them and called them to tell the I canceled my month to month with XXXXXXXX XXXX in XXXX but they told me I now have a 2 year contract with them and I can not cancel it. Its now at a collection agency who posted it on my credit report which Ive also disputed. I also called them and told them there is no contract, its not my account and I filed a formal complaint with the State Attorney General of Maryland. This looks like extortion considering I never signed anything with this mysterious company that I never heard of and Im curious how many other people theyre trying to pull this scam with. How are they allowed to attach it to my credit report without any proof of me being legally bound with a contract? I am very involved with my credit and have an exceptional credit history. Please advise. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: OH

Complaint narrative:
During the transfer of my home loan to new lender, the Escrow amounts were partially transferred and the new lender asking to pay penalty because of shortage in funds.

So why the customer is responsible for the shortage of funds, which was not done by customer.

And I have already paid the Escrow as part of taxes and insurance, but the statement is misguiding and even Customer Representatives are not FULLY aware of it and simply hung up on me, instead to explain where the Escrow balance funds are gone.

I was so frustrated with calls and not understanding why the customer is responsible for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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:
Wells Fargo closed my account closed my new account in XX/XX/XXXX after it took me a week to open it. I never saw XXXX XXXX in the bank until the very last day I was at the bank finishing opening up my new account. XXXX XXXX is purpose coming around me. How would she know I was at that bank unless the banking employee was telling her when I would be coming in. She was stalking me. She had falsely accused me of harassing her in XXXX on XX/XX/XXXX. She is the one who started the confrontation by screaming at me yelling out my private financial matters saying how XXXXr I was because she knew how much money I had coming in my bank account. Yelling it out in front of the neighborhood but some how the police took her side that I harassed her. This is the type of employee they have working for them a liar. 

She told me why dont I take my XXXX XXXX son back in my home. XXXX and XXXX should had been the ones charged with disorderly conduct. She told her co workers at Wells Fargo and they pushed her to file harassment charges against me. This is down right criminal. 

Then I had to wait 4 months for court on XX/XX/XXXX. I was found guilty of harassing XXXX XXXX. I was denied to file harassment charges on XXXX XXXX. Even though she called my son was XXXX XXXXXXXX and told me why dont I take my XXXX  XXXX son back in my home. 

I was XXXX by the XXXX XXXX police and spent 24 hours in XXXX to please XXXX XXXX. 

I had hail damage in XXXX and I took my insurance check in Wells Fargo but was pressured to open a new account by XXXX XXXX on the XXXX bypass in XXXX XXXX. 

XXXX XXXX made sure to tell, the whole bank about what she got away with. Wells Fargo agreed with her that I was harassing her. 

But the problem is that I had no problems from the first 12 months. Until XX/XX/XXXX. I was being set up by XXXX XXXX and Wells Fargo. 

For them to get rid of me. But its not fair how I was treated. Wells Fargo said I constantly harassed XXXX XXXX. But they could never tell me how. Because they know I never harassed her.

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Subject : Opened two accounts ( One checking and One Saving without my knowledge ). 
On date XX/XX/2021 - I received welcome email from Wells Fargo regarding two accounts opened on my name. I called them immediately and reported fraud. They have done investigation and informed me that it was fraud as someone opened account online behalf of me. Personally I figured out that there was no inquiry to credit bureau and there was no any inquiry on my credit check. I called multiple times bank and requested information but they didn't provide satisfactory information and closed the case. After receiving letter that case has been closed, I called them and they said, it was online fraud and you are protected. I would like to know details regarding case because I am doubt that these both accounts opened by Wells Fargo only without my knowledge. Below are the details may required : Wells Fargo - ( Fraud Case no : XXXX ). 
Two accounts opened below - ( 1 ) XXXX XXXX  account - XXXX ( 2 ) XXXX account - 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 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp
State: WA

Complaint narrative:
I requested a loan estimate on XXXX XXXX, 2021 that had zero dollars in the PMI column, later when we were when I reviewed the closing disclosure they added {$140.00} to my monthly payment. 
I only caught this when I learned they were selling my loan and I revisited my paperwork.

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 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The below accounts are not mine I have requested multiple times for signature copy of the accounts with my signature as proving its mine and the companies have not provided anything. 

Account NameCAPITAL ONE Account XXXX Account TypeCredit card  Date Opened12/18/2018 StatusPaid in settlement. {$450.00} written off. 


XXXX  Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XXXXXX/XX/XXXX Date Opened Closed. {$490.00} written off. 

XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility  XX/XX/XXXX Date Opened Closed. {$490.00} written off. 

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Paid, was a repossession

Company response to consumer: Closed with explanation