vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 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: PA

Complaint narrative:
EXPERIAN HAS FAILED TO REMOCE THIS XXXX  ACCOUNT EVEN SHOWING PROOF ITS PAID FOR IN FULL AND SHOULD BE REMOVE IM GOING TO FILE A LAWSUIT. I SENT THEM A COPY OF THE LETTER JUST LIKE I SENT IT TO THE OTHER COMPANIES THAT REPORT DATA AND THEY FAIL TO REMOVE IT

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 2021-02-06 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: CBC Companies, Inc.
State: PA

Complaint narrative:
XXXX  HAS FAILED TO REMOCE THIS XXXX ACCOUNT EVEN SHOWING PROOF ITS PAID FOR IN FULL AND SHOULD BE REMOVE IM GOING TO FILE A LAWSUIT. I SENT THEM A COPY OF THE LETTER JUST LIKE I SENT IT TO THE OTHER COMPANIES THAT REPORT DATA AND THEY FAIL TO REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX applied for a loan to pay off 3 credit cards. The total loan amount was for {$1000.00} minus a {$70.00} processing fee so loan amount is {$930.00}. I received {$150.00} to my checking account don't know why, a credit card was paid for the amount of {$230.00} and second credit card of {$150.00} which is a total of {$540.00}. There was one last credit card with a balance of {$380.00} that according to them it was paid off on XX/XX/2021. I checked the balance on unpaid credit card and nothing was paid off. I called the credit card company to see if there are any pending payments to pay off balance and they said no. They asked me if they sent it by check I said yes and asked for check # so they can track it and they didn't find such check number. They told me to call Upstart to see the status and Upstart keeps telling me that it's been paid off but I checked Upstart through my app and it does not show no payment to that specific credit card. They said they will investigate and reach out to me but no one ever reached out to me and they still want me to pay them and now balance went up to {$1000.00} when payment is not due yet. The reason I got this loan was to improve my fico but it's making it worst. They said check was mailed out by XXXX XXXX XXXX  which I thought Upstart was the actual lender and on promissory note it states that loans are made through XXXX XXXX XXXX. This seems shady to me which it is actually.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had an issue with opening my account with XXXX. Created a CFPB complaint and come to know that it was due to Chase. As per XXXX XXXX XXXX response : When an account is opened online, a third party vendor is used to authenticate applicants. I found at the time you applied, your profile with the vendor had been suspended, which caused an automatic decline. 
The suspension was placed in 2008 by Chase Bank, however, weve reviewed and were able to unsuspended the profile. You can now apply online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There was a fraud alert placed on my credit without my knowledge. The active alert stated that inquired about new credit would have to contact me first. This is not my account.

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 2021-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Please refer to my previous CFPB complaints about this matter : XXXX and XXXX I had opened a Checking account with BB & T during XX/XX/XXXX or XX/XX/XXXX. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. Moreover My XXXX payment request is also blocked or stopped. I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times. 
For this I filed a CFPB complaint. Seems to be the case that CFPB is a toothless agency with no powers. CFPB merely forwards the message and do nothing. 
I got the worst possible response from this bank : Neither they will unblock the account nor they will close my bank account and send the balance to me. It seems to me that this BB & T is not a bank but some militia who has their own set of rules. 

Neither they will unblock the account nor they will close my bank account and send the balance 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 2021-02-06 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$20000.00}, {$2000.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 
3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: GA

Complaint narrative:
I have student loans that qualify for PSLF. My initial servicer was XXXX but they are now managed by FedLoans. Initially XXXX and, since the transfer, FedLoans have always presented me with a minimum payment due that was one sum to cover the minimum payment for all my loans. Every time I made a payment it was at least for that amount. Despite this, when I review my PSLF status I see that many of my loans have different numbers of qualifying payments. This should not be the case because I never made payments to some loans but not others. Some of my on time payments were also considered not on time after they were transferred de XXXX to FedLoans. I made a payment inquiry to XXXX and they initially refused to give it to me saying they sent it to FedLoans until I stated that they were servicing my loans making me their customer not FedLoans. They did give me some payment information but it does not show the actual dates for many of the payments causing concern that XXXX did not actually track them accurately and thus FedLoans has an inaccurate count. XXXX should provide a record with exact dates payments were made. They should be held accountable if the minimum payment I made wasnt distributed to the individual loans appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
A letter to the Consumer Financial Protection Bureau I pay a Mortgage to Wells Fargo bank. 
When the pandemic started Last XXXX. I was not having a problem with making my mortgage payments. But in XXXX the first part of XXXX. I was informed by Wells Fargo that i could enter into a forbearance program. That my missed payments could be deferred until the end of my regular Mortgage period. I was also told If I did not want My mortgage payments to increase. that i could pay an extra amount to the escrow So that my payment would not increase. So i started paying at least {$650.00} a month. In total i have sent {$4300.00} to the Escrow department at Wells Fargo. My regular payment was {$1300.00}. 
Now in XXXX I informed them that i would try to resume paying my mortgage. I am a retired XXXX XXXX. So i really don't have a full time job. So I am making it with the amount I regularly pay. But i could do better if the payment was a little lower. 
But I was just informed that my new payment would be {$1600.00} I am devastated to hear that even though I have paid about {$4300.00} in to escrow that my payment increases Anyway. as If i had paid nothing. My mortgage is an FHA loan., And i Tried to do what was right.

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 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX C/O MITCHELL D. BLUM & ASSOC. LLC I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXXXXXXfailed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I have spoken to Governor XXXX XXXX XXXX office which confirmed that per the XXXX website, all Californian 's are under the protection against negative credit reporting and lists my bank, CitiGroup ( Citibank ) as an institution that acknowledges this ordinance. However, Citibank has reported 5 of my accounts negatively throughout XXXX. 
1 ) I have 2 citi credit cards reported as 30 days late in XXXX, XXXX XXXX of XXXX. Citi is aware that I had called 3 times in XXXX to request a covid deferment and they replied that no such program was available. My 3rd call is logged as XX/XX/XXXX wnere no program was avaialble. They launched a program on XX/XX/XXXX after my account was posted late and even after being enrolled in a covid deferment, my 2 cards were reported as late. 

2 ) My 3rd Citi card is reported as late XXXX XXXX and then reported charged off. They would not enroll this card without first requiring it be current after I explained that I was impacted by covid as early as XX/XX/XXXX. 

3 ) My 4th card, Best Buy, backed by CitiGroup, was reported as " Closed by issuer, Never late '' which has a substantial negative impact to credit. There was no reason for this card to have otherwise closed. 

I have made several calls into Citibank. I have reached out to the Executive Response Team and I have not received a resolution. The Governor 's office has requested that I followup with the outcome of this as we believe this to be a wide spread concern against the credit protection ordinance. 

I appreciate your help. 
XXXX XXXX XXXX XXXX cc. attachments and screen prints available.

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 2021-02-06 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: TX

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is Mitchell D. Bluhm & Associates , LLC I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Mitchell D. Bluhm & Associates , LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. Mitchell D. Bluhm & Associates , LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where Mitchell D. Bluhm & Associates , LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. Mitchell D. Bluhm & Associates , LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax several times, via telephone, also faxed a letter to them informing them that I can not access my.equifax.com account. I always have my credit reports frozen, because I had ID Theft about two years ago and I have always been able to call and unfreeze them temporarily when needed. For some reason I am no longer able to do that with Equifax, I have called, and they told me to send them a letter with a copy of my SSN and my DL and copy of a bill with my name and address, stating what information I need. So I wrote them a letter as they requested and I still can not get access, every time I call them I am with them for an hour and I do everything they tell me and I still can not get access. They do not know what is wrong and I can not get access to my report to be able to see it, or unfreeze or or freeze it when I need. I don't know what else to do. I called the following number XXXX and XXXX and I also faxed a letter to them, which they confirmed as received. I hope you can help me. I need to be able to freeze and unfreeze my report and need to be able to have access to my report, in case of ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The person said they was from a law firm which I didn't know they had information about a civil case I have been waiting to go to court on since XX/XX/2020 they called me from a 1-855 number they ask me to confirm my last 4 numbers of my social security number which they gave to me. I asked where their law firm was located at they hung the phone up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

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 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed the account with XXXX XXXX XXXX XXXX  on several attempts specifically on dates XX/XX/2020, & XX/XX/2020, 2020 XX/XX/XXXX asking that the account be validated so that I could in fact determine if the account is mine There was no response on any of my letters to the company until XX/XX/XXXX the response that was given then is that they are unable to locate an account with the information provided. I then reached out to Transunion Credit reporting agency and ask how could they still be reporting this account on my credit file if the data furnisher is saying that they are unable to locate the account this letter was mailed to t Transunion on XX/XX/2020. It is my complete understanding that only 100 % verifiable information should be reported to a customers credit file in the data furnisher is unable to locate the account what is Transunion using to verify the account that can not be provided to me for me to determine if the account is mine. Sadly Transunion still has not responded to the letter dated XXXX XXXX I would like to reach out to help from your agency to determine the accuracy of this account reporting to my credit file and if verifiable information can not be provided I would like the account deleted from my credit file immediately.

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