vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Too whom it may concern, i am submitting this complaint on my own with no third party involved. Firstmark Services continue to call my phone to collect a debt that's a result of Identity theft. I have sent Firstmark a FTC report, police report, and affidavit and they have yet to remove this account from my credit report. I'm asking Firstmark Services to SWEAR UNDER PENALTY OF PERJURY they were there when I " Allegedly '' obtain the goods and services. Also, i want to send notice to cease all contact with me or anyone else except the creditor about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further communications with me. If you must contact me, please do so in writing and not by telephone. Also, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my WET signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely FRAUDULENT and as such represents a very serious error in your reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I recently placed an order with XXXX ( order number XXXX ) on XX/XX/22 and was promised that my items would be delivered today at noon if I opened a Goldman Sachs Apple account. After placing the order I was told that 80 % of my order would be delivered at a date much longer than the promised date. Upon contacting Apple they refused to do anything and I just noticed that Goldman Sachs has pulled my credit! So I was sold products with a promised delivery date and then said terms were changed AFTER my credit was pulled and an account opened in my name!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The public records shows up at {$0.00} and both are dated XX/XX/2019 and the other XX/XX/2019 are not mines I tried to dispute because I dont have knowledge of these two public records.

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 2022-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo said they would refile the foreclosure but have yet to do so. See previous complaint. 

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 2022-03-03 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: GA

Complaint narrative:
Hello my name is XXXX XXXX, I am writing because Equifax credit bureau, refusing to delete fraudulent items from my credit file. I have written them several times via certified letters, however I dont get a response in the allotted time, or Equifax would tell me they cant verify my identity though I attached my state Drivers license and a copy of my social security card. Or Equifax will send a response accusing of me using a credit repair company, which is certainly not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed all accounts, checking, savings, and retirement and will not give me my money back. They closed they accounts on XX/XX/2022 and will not give me the funds. {$24000.00} in checking, {$40000.00} in savings, approximately {$45000.00} in retirement. 

Because they have arbitration in their contracts, there is virtually nothing I can do. 

Many people would not have been able to pay rent if this had happened to them and could evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX and Equifax has reported this on my credit report.Keesler Federal credit union : Address XXXX XXXX XXXX XXXX Mississippi XXXXInquiry date reported on XXXX XXXX. I called XXXX, and equifax about this inquiry, but the problem wasn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TX

Complaint narrative:
Unfortunately I dont have the dates or the amounts all I know it was originally with Wells Fargo I purchased the mortgage back in 1998 however in my divorce my ex-wife asked for the house and the judge gave her six months to get the house out of my name it took her 16 years during the 16 years I dont know how many foreclosures that were listed how many late payments how many payments she missed etc. etc. and there was nothing I could do to get that house out of my name but they keep reporting it under my credit even though they know she was the one that was on the title it was taken out of my name but it still reporting on my credit because when she did get the house out of my name she got all the money for it all the escrow all the equity everything and she still resides at that address. And thats just the mortgage theres some other debts that was in my name that she never took care of that she was supposed to have done under the judges orders.

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 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Received two statements on XX/XX/2022 -- one in the amount of {$1300.00} and the other for {$510.00} for services provided on XX/XX/2022. Owed to XXXX XXXX of XXXX. Statements from Online Information Services XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX. 
There is no such business in XXXX ; I live in XXXX XXXXXXXX XXXX 
I saw no health provider that date. 
No claims were filed on my medical insurance. 
These are total fabrications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My name is XXXX XXXX and I have been an customer w/ PayPal for many years. I received an email on XX/XX/2022 at XXXX a.m. eastern time stating that my PayPal account was permanently limited/ banned due to potential risk. The PayPal account was last used on XX/XX/2022 which was utilized as an payment method for an transaction. I do not sell goods, I do not own a business. My account is strictly personal usage only. I do not export or import goods, I do not send or receive money using the account. I am simply an regular consumer whom uses PayPal as a safety net when shopping online. There is only three reasons my account MAY HAVE been banned for : First reason could be that PayPal closed and initiated a new account for me on XX/XX/2022 due to my previous one ( that I used for years ) being created in another country which I was unaware of when I was XXXX XXXX military. Secondly, the mobile devices I use to access PayPal services automatically uses an VPN which triggers PayPal 's banking system of suspicious activity. Thirdly, I ordered an PayPal prepaid debit-mastetcard card and did not activate it as of yet, which is my legal right. 
For these reason 's my account should not be delayed for 180 days or permanently restricted to limited use/banned. I am in good standing across all PayPal platforms and have never attempted or thought to commit fraud or infringement against or upon PayPal 's terms and agreements of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion and XXXX has reported this on my credit reportXXXX XXXX XXXX XXXX : Address XXXX XXXX XXXX XXXX Mississippi XXXXInquiry date reported on XXXX XXXX. I called Transunion, and XXXX about this inquiry, but the problem wasn't resolved.

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 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery A has been charging me {$1800.00} for XXXX  XXXX I have been telling them I never borrowed from XXXX XXXX so the charge is fraudulent a few months ago they called me and told me to do a {$100.00} payment and that it will settle the account so I figured its worth it so they can stop calling me but they just deducted the money from the total and still call me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX  has been charging me {$1800.00} for Capital One I have been telling them I never borrowed from Capital One so the charge is fraudulent a few months ago they called me and told me to do a {$100.00} payment and that it will settle the account so I figured its worth it so they can stop calling me but they just deducted the money from the total and still call me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
In XXXX XXXX XXXX I received a mortgage statement from Citizens Bank which indicated I might have a shortage to my escrow. 

Subsequently, I sent in a check to cover the deficiency and added notes onto the check to make sure that the extra payment would be applied correctly. It was not, even though they set me up on auto draft. 

Having had issues with Citizens Bank regarding my tax information last year, I'm inclined to reach out in hopes to get this corrected. 

As of recently, I've been sent several late notices, which has added extra expenses, fees, lost time, and undue stress to my busy schedule, although my issues date back way before this period. Since XXXX, I've called Citizens at least 5 times to get the issue resolved, and as of today, this issue has still not been corrected. As you can imagine, this has been very stressful, and I believe this to be very unfair, and slightly deceptive from Citizens Bank and would appreciate any help looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: William D. Meeker Enterprises, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX we called XXXX XXXX. XXXX XXXX. I never spoke to them at any point in the conversation. My wife spoke on my behalf while I was present. My wife did not give them permission from me or herself AT ANY TIME to do any soft or hard inquiries on my credit report. They decided to pull my credit anyway on the XXXX and the XXXX. This is a direct violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My issue is with paypal credit ( synchrony financial ). After years of paying automatically on the same date I noticed after two moths my due date was changed to two days earlier without notice. I have never received notice about this and also received two late fees before I noticed and closed 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 monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened a new account for my business from citi for an XXXX XXXX card and was given a very low credit limit ( only {$4000.00} ). I called and asked why it was so low and they asked me if I wanted to raise my credit limit. I asked if they would pull my credit again and they said yes. I asked why because they had just pulled it and why they could not use the information from prior and they said that was not there policy. Now on to using this card I made a payment XX/XX/XXXX and they placed a hold until XX/XX/XXXX. I called and emailed numerous times because the payment was debited from my account next business day and they continued to say it was for security purposes to ensure funds went through. I had several vendors I had to pay for my business and luckily they were all very patient but it was stressful and frustrating. 

Because my credit limit is so low as l soon as the hold was removed I made a purchase and paid it off as soon as the hold was removed. This second payment was made XX/XX/XXXX and my credit limit was immediately refreshed. 

I again paid some more of my bills ( a {$4000.00} credit limit for my business is incredibly low and hard to deal with ) and made another payment XX/XX/XXXX. When I went to start paying bills again every transaction was declined. I called asking why my credit limit was refreshed and they said for security reasons yet another hold was placed on the account until XX/XX/XXXX. I can not pay the bills for my business when they hold my money like this. I asked the representative today ( XX/XX/XXXX ) why the hold was in place as the money has already been taken from my checking account and they just say for security purposes. The customer service is atrocious and these unfair business practices are causing me to default on payments for my business ( something I have NEVER done ). Please advise because there has to be some repercussions for citi/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 2022-03-03 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I sent a letter back in early XXXX to Acima requesting that they do not furnish any of my information to the Credit Reporting Agencies. They ignored this request and furnished the information anyways. 15 USC 1681 2 ( a ) ( i ) clearly states that any transaction or experience between the consumer and person making the report is to be excluded. This means that they are not to furnish my credit limit, payment history, or remarks. This is the Law and they have clearly violated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield & Associates at XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been sending me collection notices in the amount of {$490.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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:
Hello my name is XXXX XXXX, I am writing because Experian credit bureau, refusing to delete fraudulent items from my credit file. I have written them several times via certified letters, however I dont get a response in the allotted time, or Experian would tell me they cant verify my identity though I attached my state Drivers license and a copy of my social security card. Or XXXX will send a response accusing of me using a credit repair company, which is certainly not true.

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 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
My mortgagor has re-evaluated my escrow and has recalculated my loan payments to include my homeowners insurance. My loan documents only include principal, interest, and flood. My loan is not set up for escrow or impounds. I pay for my homeowner 's and property tax outside my mortgage and always have. 

I called the company on XX/XX/22 or XX/XX/22 and talked to XXXX who said he would submit my concerns to the company. I did not hear back and called on XX/XX/22 and talked to XXXX. She was extremely rude and offered no feedback or support. 

I logged in to my account today on XX/XX/22 and see that my payment has been increased. This is in breach of my mortgage contract with the company. 

This is the second issue I have had with this mortgage company not doing the right thing until I submit a claim to CFPB.

Company response to consumer: Closed with explanation