vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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: DISCOVER BANK
State: TN

Complaint narrative:
I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. I am a XXXX XXXX and in XX/XX/2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month my husband and I brought the account current and worked very hard to stay on top of everything. However in XX/XX/2021 my husband lost his father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XX/XX/XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. My husband is currently working three jobs right now to pay off my balance and we have a scheduled payment in the system to do just that on XX/XX/2021. I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: PR

Complaint narrative:
MONEYLION IS SCAM, THEY LOCKED MY ACCOUNT FOR 2 YEAR. 
I SEND ALL DOCUMENT THAT THEY ASK ME FOR RESTORE FULL ACCESS. 

AFTER I SENT ALL DOCUMENT, THEY SEND ME A LETTER ABOUT THE ACCOUNT WAS CLOSE. 

THIS ARBITRARY DECISION IS NOT MADE ME FEE CONFORTABLE. 

THEY CLOSE THE ACCOUNT AND THEY HAVE MY MONEY. 

I WANT MY MONEY WITH ME NOW. 

I DONT WANT USE THIS COMPANY. ANYMORE, MANY PEOPLE HAS SAME PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Radius Global Solutions sent me a false and deceptive letter attempting to collect an alleged debt. The alleged debt is not validated. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. 

Where does this alleged debt claimed by Radius Global Solutions fall under Ucc 9-11 under Article 2 or 2A?

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 2021-10-28 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: CarMax, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX I had XXXX last year and I was out of work I called the customer service dept to see about the late payments reporting on my credit report from XX/XX/XXXX-XX/XX/XXXX. I spoke with someone and they stated that if I can pay the balance and keep up with current payments they will remove late payment from credit bureaus. Ive been fighting with this for months now. Same situation with Carmax Auto and they are showing late payments from XXXX, XXXX, XX/XX/XXXX. I already submitted letters to show that those late payments was undated and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: GA

Complaint narrative:
I have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Equifax Information Services ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit reporting agency ( Equifax Information Services ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2021 I received a call from a man stating he was a Wells Fargo employee. He was calling to inform me that a suspicious wire in the amount of {$19000.00} had been initiated from my savings account and asked if it was me who had initiated the wire. I said it was absolutely not me. I have never done a wire in the 22 years that I have been with Wells Fargo and I do not authorize the wire. I never signed anything to authorize this. He said he needed to secure my account and sent me a text message with a 6 digit code that I had to verbally relay to him. That is normal for Wells Fargo. The next day I discovered that the wire had gone through to a XXXX account to a person named XXXX XXXX, there was also 2 {$500.00} XXXX transfers out of my checking account. I called the bank immediately and opened a fraud claim. I do not know who this person is. Wells Fargo initiated a wire recall only to find out that the XXXX account was closed and there were no funds to be refunded. 
I was reimbursed for the 2 {$500.00} XXXX transfers but the fraud department is saying that I did authorize the wire and they will not reimburse me the {$19000.00}. They will not tell me why they chose to reimburse me for the 2 XXXX transfers and not the {$19000.00} wire. When I asked why my account wasn't insured for this they said that it would be if it was bank error. They stated it was not their fault and I did authorize the wire. 
I have done a little detective work myself and discovered the recipients home address in XXXX Florida and the police are working on getting an IP address of where this wire was initiated from. 
I have opened a police report in Colorado where I live. I am also in the process of filing an appeal on the denial of the claim. 
I am including the letter from the bank denying the claim as well as the emails from Wells Fargo adding the recipient and the wire they processed.

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 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastpoint Recovery Group, Inc
State: IL

Complaint narrative:
I received a false and misleading letter from Eastpoint with a logo on it alleging I owed a debt. The alleged debt is disputed. The alleged debt has not been validated. 

To EASTPOINT RECOVERY GROUP , INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Eastpoint Recovery Group , Inc. ( EASTPOINT RECOVERY GROUP , INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX XXXX and Eastpoint Recovery Group , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Oklahoma Student Loan Authority
State: FL

Complaint narrative:
While in graduate school I tool out student loans serviced by OSLA. Upon graduation I returned to XXXX XXXX and asked OSLA to apply SCRA protections to all loans disbursed. OSLA denied my request multiple times stating that pervious XXXX XXXX service time has disqualified my from further protections. Since my student loans were not disbursed during a time of XXXX XXXX service I beleive OSLA is violating the SCRA, the Consumer Financial Protection Act, and corresponding state law by charging me an amount in interest over what I am legally required to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello. I have a mortgage with Wells Fargo since XXXX. My husband died 4 month before the pandemic. Im the only one who pays the mortgage.

Did the paper work at Wells Fargo for refinance my mortgage so I can pay less mortgage and pay off my debts. At the beginning it was great, but before closing they staring to ask me for lots and lots of paper work and letters about my income. Then after a long 3 months of waiting, finally they told me that I can not do the mortgage because I dont make a lot of income. I felt very very discriminated and upset about this situation. I still pay my mortgage even Im a low income family. Is anything that I can do? 

Summer XXXX Refinance money amount XXXX Wells Fargo XXXX XXXX  Ca 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 2021-10-28 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.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
XXXX and HSBC Bank are reporting false information in my credit report. I disputed the information. They sent an email saying they had changed it. However they will not let me see my credit report nor will they let me login to the website. I requested they send the information by mail as required by the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CA

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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: OH

Complaint narrative:
I am filing this complaint due to the fact that I have made several attempts to get this error fixed on my credit report. I started disputing this particular account on XX/XX/21. Following that letter, I also sent another letter on XX/XX/21, XX/XX/21, XX/XX/21, XXXX XX/XX/21. I have been requesting that this erroneous information is removed from my account due to the fact that the account is stating that it is open and it is a collection account which is factually incorrect. A collection by default is already a closed account and it should not be reporting this way. I have the right to a complete and accurate credit report and it is clear that the way that this account is reporting is a direct violation of the FCRA. At this point I feel like I am being ignored. This error is highly detrimental to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I believe that Under Title 15 Chapter XXXX, Convergent Outsourcing Inc is responsible for individual actions Pursuant to FCRA, FDCPA, and TILA. Additionally, they are guilty of copyright infringement and my right to privacy is being violated. I have not ever contracted with or given my consent to contract with this third party company.

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 2021-10-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX says my credit score is XXXX When I go to Experian it say XXXX I want a paper copy sent to me in full detail. 
I paid off a car in 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 non-monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/2020 {$20000.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have two collection accounts that do not belong to me. These accounts were open in XXXX, Kentucky. I have never resided outside of California. I called I.C. SYSTEM, INC and asked that they to remove these. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX {$740.00} Balance updated XX/XX/2021 I.C. SYSTEM, INC Original creditor : XXXX XXXX {$920.00} Balance updated XX/XX/2021 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 2021-10-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reported errors for over 2yrs using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes to fix this and nothing happened, i asked for the accounts to be dele/ted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything for dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

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 2021-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I went to Toyota, XX/XX/2021. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I bought an new Toyota car. My credit score was XXXX. But the Financial Services XXXX XXXX XXXX, lied to me, He told me he would give me a good yearly rate and 7yearXXXX mileage vehicle service agreement free but went I sign the documentation my and my husband not good English to read the document so we just trust XXXX XXXX now yearly rate 6.15 % .vehicle service agreement purchase price {$4600.00} i with my friend go there 2 times to talk to XXXX and still no result

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage company, Mr. Cooper, modified my mortgage of {$230000.00} in XXXX. They added {$96000.00} to my as fees which they never gave details to me. The modification ranged from 2 % to nearly 5 % within 6 years. This raised the monthly payment from {$1800.00} to nearly {$2500.00}, putting me back to the financial struggles I had at the beginning. In XX/XX/XXXX, I took forbearance because I could not afford the payment. And I have exhausted that option. 

I have asked the mortgage company to remove the added fees plus accrued interest and they have refused. Please advise where to find assistance to restore my mortgage. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NY

Complaint narrative:
I have my checking account with Bank of America. Upon accessing my account via ATM a week ago, I discovered significant funds missing. It turns out two checks were forged for my account, including one for over {$31000.00}. I have been trying to talk to BofA 's fraud department for a week, and I have been getting the runaround repeatedly, including not responding to my repeated requests to see a copy of this forged check. The bank keeps telling me " it's under review '', but I get no assistance to resolve this situation in an expedited way, given the bank, as XXXX XXXX, is liable for clearing a fraudulent check. This amount of money is extremely critical for me as an XXXX-year old woman.

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 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
I received a false and misleading letter from Linebarger Goggan Blair & Sampson, LLP dated XX/XX/2021 alleging I owed a debt. The alleged debt is disputed. The alleged debt is not validated. 


To LINEBARGER GOGGAN BLAIR & SAMPSON, LLP, and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Linebarger Goggan Blair & Sampson, LLP ( LINEBARGER GOGGAN BLAIR & SAMPSON, LLP ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX XXXX and Linebarger Goggan Blair & Sampson, LLP

Company response to consumer: Closed with explanation