vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My new York and company credit card shows the incorrect balance of {$130.00} on XX/XX/XXXXand XX/XX/XXXX I have sent in disputes to the credit reporting agencies but have yet to correct it. I have sent multiple disputes regarding incorrect balances but nothing has been corrected. I contact new York and company and have indicated they updated the balance from {$130.00} to {$0.00} balance. There is inconsistence due to my credit report shows {$0.00} balance where XX/XX/XXXX& XX/XX/XXXX shows a balance of {$130.00}. That is very inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
When I closed my account due to fraud and identity theft, the account was in {$0.00} balance. Now, the bank attempt to put my account to collection in an attempt to collect a balance due to fraud for {$740.00}. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: DE

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2021-01-09 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: DE

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
this company is attempting to collect a debt that is not owed, putting me further behind during a worldwide pandemic and damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXXXX/XX/XXXX# XXXX the dates were XXXX. MyXX/XX/XXXX # XXXX the dates were XXXX, XXXX - XX/XX/XXXX XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.

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 2021-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I purchased a used vehicle with XXXX miles on it from XXXX of XXXX in XXXX, TN. The Bank that financed the vehicle was American Credit Acceptance. The amount financed was {$12000.00} and the Bank charged me an interest rate of 28 % stating the the finance charge would be {$13000.00} for a total car price of {$26000.00}. I signed the agreement not knowing what was and/or are legal interest rates for consumers to be charged. It seemed high, but I needed the car. My first payment was due on XX/XX/XXXX and since that time I have paid American Credit Acceptance {$10000.00}. Due to my work schedule in XXXX, my payments have been more sporadic. 

An online consumer law attorney told me that the statute for interest rates in the State of Tennessee is 8.75 %. They have charged {$7000.00} more in interest than the 8.75 % statute allows. The car 's current XXXX XXXX XXXX value is {$2100.00}. 

Yesterday, the car was repossessed due to missed payments. Had the interest rate been more in alignment with the rate listed in Tennessee 's Title 47 ; Chapter 14 statute, none of this would have occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo, On or about XXXX I lost my XXXX XXXX and had to go under a number of XXXX I had medical help and the help was instructed to pay all my bills but not to use my credit card or debit Card. Within the middle of the Illness my husband discover that most of my bills were paid off had high balances which cause my husband to investigate all my credit cards. He notice that I had a secured credit card With Wells Fargo with a limit of {$300.00}. The charges Were investigate and reported to the law enforcement Along with over 10 checking accounts that was in my name along with my husbands name. Later it was known that Wells Fargo made up False accounts And Im affective from this Scandal I await for the class action suit to take place to be awarded. And I was given a police report to give to all my card holders. 
Wells Fargo refuses to accept the police report and is continuing reporting a charge off on my credit report for {$83.00}. Please note that this was a secured account with a balance of XXXX. Wells never gave the {$300.00}. Of the secured amount back to me. Please I asked you to have Wells Fargo remove my name off the charge off. And return my credit back in good standing. Im asking for a complete investigation An up date report on the scandal with over 10 checking accounts that were open in my name did the bank issue my account monies that were taken out of my checking accounts. Wells Fargo need to stand for the error that they made to my account. They should be the ones who truly understand that fraudulent took place on my account because the company committed fraud with millions.

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 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX  # XXXX the dates were XXXX. My SANTANDER CONSUMER USA # XXXX the dates were XXXX, XXXX - XXXX XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I was contacted by National Credit Adjusters on XX/XX/XXXX. The company is trying to collect a debt that does not belong to me. Also, this company is not complying with the FCRA, according to the SC statue limitations for debt collecting is 3 years. The date on the bill is dated XX/XX/XXXX. The bill amount is for {$900.00}, I will be sending them a certified validation dispute in the mail on XXXX asking for signed contracts and proof that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: IL

Complaint narrative:
During my application process as part of getting it I sent a XXXX dollar deposit to the company first progress. The amount was charged and taken by the company and I have never received my card. When I looked the application it needed a copy of my driver 's license which was expired XX/XX/XXXX because I needed to renew it but because of covid-19 closing the DMV in my area I can't get it renewed. So since it's expired the company denied my application but never returned my deposit and I still don't have my card. I futher more want to cancel my application and want me {$300.00} returned. There is no contact number or option on their website to fix the problem..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY ACIMA CREDIT FKA # XXXX the dates were XXXX. My income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This Items been removed months ago & the debt collectors ( XXXX  ) re added the same 3 collections back to my TransUnion & XXXX credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XXXX XXXX I received a phone call from Phh informing me they were in receipt of a completed application.

Then I received a letter stating my account is in forclosure.

I informed PHH I can not afford to pay {$89000.00} for this property when I have already paid {$150000.00} of my hard earn money because tenants never paid me and I put {$50000.00} of my own inheritance money to fix this property up.

I tried to used the property as a XXXX XXXX XXXX but I never had the opportunity so XXXX XXXX in the XXXX went under water down hill. 

I would like for the investor to forgive this mortgage because I have suffered such a bad lost and spent all of my money just keeping my promise to help the banks out. 

I am also trying to getba loan for {$10000.00} to settle this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: AZ

Complaint narrative:
This Items been removed months ago & the debt collectors ( AmeriCollect ) re added the same 3 collections back to my XXXX  & XXXX  credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : XXXX, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Disputed this account Several times over 2 years but always come back verified even if the account is not 100 percent accurate when XXXX  say the account is under collection & TransUnion say the account is Open, which is inaccurate and a violation under the FCRA & FDCPA Account Name : XXXX  XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
There is inaccurate information on my credit report being reported by Ability Recovery Services. I have contacted the company on various occasions about the account in question, and the company has failed to respond within the required 30-day time limit. I am requesting yet again that the account in question be deleted from my credit report immediately. I have sent multiple validation letters to this company, none of which the company has responded to with validation. I contacted the company on several times. I have no agreement with the company or any of its affiliates. In addition, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX dispute letters were sent to XXXX  and XXXX. As of XX/XX/XXXX, no documentation has been sent to validate this account. It has been more than 30 days without receiving an accurate response from the company. The company has failed to comply with the requests for validation letters I sent, and in failing to validate this account within the 30 days. The company is reporting reporting false and inaccurate information on my credit report. I am requesting removal from my credit report. This company is continuing to violate my rights and causing me undue hardships mentally, emotionally, and financially by continuing to do so.

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 2021-01-10 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: GA

Complaint narrative:
On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the equifax data breach and may have got into the hands of the wrong individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UPGRADE, INC.
State: IL

Complaint narrative:
After reviewing my credit report I noticed that my upgrade account has incorrect balances as well as the balances are in consistent on all 3 reporting agencies. that does not seem right to have 3 different balances for this account on all 3 reporting agencies. It should be the same for all 3 reporting agencies. I have spoken to upgrade to re submit the correct balances which they assured me they would do when I spoke with them on XXXX/XXXX/20. I have submitted multiple disputes to the reporting agencies to correct my balances but nothing as been corrected yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us Bank sent me a letter stating customer negligence caused my check to be cashed to wrong account. 
I would like to attest that it was US bank Negligence. 

I use epay and at some point US bank removed the name XXXX XXXX from the top of my check at some point. I was unaware. So US bank is the majority of cause in all of this. They altered my epay check without notifying me. Had I been aware, I would have corrected it. Us bank altered my epay check. My checks had XXXX XXXX 's name followed by account number!!! 

I have spent 4 months trying to get my XXXX dollars back. 

I want their finding corrected and to start taking responsibility. I trusted you with my money for 20 years! My checks should have never been altered without alerting 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