vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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:
I have included attachments, containing all error or inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: VA

Complaint narrative:
I recently attempted to XXXX for Capital One bank and I was told I was not able to open an account. I called the bank to figure out whats going on and I was notified of an unpaid credit card under my name. I NEVER had an account with Capital One, any previously opened account is fraudulent. I made that clear but Capital One insisted that the account was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I refinanced my mortgage at the end of XXXX and now PHH XXXX handles it. It was late XX/XX/XXXX when I noticed that one of my tax bills was marked as delinquent. I have two property index numbers associated with my mortgage. One is my condo and the other is my deeded parking spot in the same building. The tax payments for both were always handled through my mortgage in the past but clearly, the deeded parking spot was omitted when the refi happened. I alerted PHH about the issue right after the new year and they have logged a ticket for a resolution, but this is still not fixed and the delinquent tax bill keeps being charged delinquency charges in lieu of PHH not taking care of it. As of XX/XX/XXXX PHH is still passive on this issue. After a veyr long and frustrating phone call with PHH, I got the name of the company they work with for tax payment, called XXXX XXXX. I called XXXX XXXX ( they handle the tax payments with/for PHH ) directly to figure out what the problem is since PHH blamed them for not responding to the ticket they logged with them. A very helpful customer service agent helped me at XXXX XXXX. She noted that not only has PHH not submitted the overdue/delinquent tax amount due last year, but they also screwed up my account even more!!!! Instead of simply adding the deeded parking spot alongside the condo, they omitted the condo tax bill and only added the deeded spot. Had I not called XXXX XXXX directly, this would have turned into a much larger mess than it already is. I am hoping that this will be resolved quickly now that I have gotten some clarity and action from XXXX XXXX, but I am concerned about PHH in general and that they will try to make me responsible for the delinquency charges that have accrued on the parking spot tax bill. There is no reason for the passive/non-urgent response from PHH, not to mention that they were in the midst of messing up my account even more!!! Frankly, it's disgusting that I have had to be the one to take initiative on things they should have been doing all along, i.e calling XXXX XXXX to check on the status/pressing for the resolve of this issue. I have never been late on a payment once, so this is just a gross display of PHH XXXX lack of concern and consideration for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi Experian, My name is XXXX XXXX. I sent you a letter regarding some inaccuracies in my report on XX/XX/2022 and I was expecting to get a response from you after 30 days. Unfortunately, it's been over 35 days already but I still haven't got any response from you so I am expecting the deletion of the negative items since you can not provide me a good response. I will make a follow-up after 30days regarding this matter.

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 2022-02-08 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:
I have included attachments, containing all error or inaccurate items on my credit report.

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 2022-02-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have included attachments, containing all error or inaccurate items on my credit report.

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was unable to obtain a checking or savings account. I called XXXX XXXX  and I do not owe any financial institutions. Id like to know why Wells Fargo denied 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 2022-02-08 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: PA

Complaint narrative:
Across the three credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than 30 days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an FTC complaint and so forth as well as added fraud alerts however XXXX, and transunion along with XXXX have neglected to investigate my concerns as you will see on the attached documentation breaking FCRA rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across 3 bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action

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 2022-02-08 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: GA

Complaint narrative:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 

see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: D2 Management LLC
State: LA

Complaint narrative:
I was initially contacted by this company in early XX/XX/2022. When I answered the phone, they did NOT identify themselves as a debt collector/collection agency ( CA ). They only proceeded to ask for identifying information, which I was not going to give because I've been a victim of fraud before. 

My understanding of the FDCPA, a company does NOT need identifying info to let someone know they are a debt collector. They only need identifying info to discuss the specifics of the account. I only found out they were a CA through a XXXX search and I've seen their unscrupulous practices documented by others through reviews, complaints and XXXX. 

I called them back ( on a recorded call because I live in a one party state ) and stated if they were a CA, that I disputed whatever account they're asking about ( because I owe nothing, but know it's a process ) and to not call me anymore. I stated that if they'd like to communicate further, to do so in writing. This company has proceeded to call back multiple times ( including today ) after my initial dispute, without sending anything to me as required by the FDCPA. The reps are extremely rude and simply hang up when you ask for the simplest info such as an address or fax number which is also another no, no. 

The business states incorrectly states they follow the law. I have them on recorded phone calls violating the FDCPA. A mini Miranda was NOT read when I was initially contacted and it most certainly does NOT require me to identify myself before disclosing you're a debt collector. They state that I can't believe what I read on the internet, so someone should tell the business that the FTC apparently has all of the statutes wrong on their .gov website. 

I believe it's 807. False or misleading representations and specifically : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: IL

Complaint narrative:
I filed a complaint with you earlier ( XXXX ). You have since closed this file but these people have not taken action as they said they would to my previous compliant. Company claimed they closed the fraudulent account. It certainly appears that that is not the case. Today I received a notice indicating my card would not work because it was damaged. In the memo it said do not say it was damaged say it is lost or stolen. Why do I need a card if there is no account? Further I continue to mail from these people about an account as well as a credit builder account which appears to be a second account. These people are impossible to contact therefore I must turn to you. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a text message from Wells Fargo stating there a charge at XXXX XXXX in South Carolina. I live in XXXX, Arizona. They asked if I authorized this transaction I stated no. Someone called me from Wells Fargo saying they were going to have the XXXX transaction from XXXX XXXX in South Carolina refunded as they were not me. The caller also said that the people in South Carolina were trying to transfer money from my savings account one for {$2500.00} and the other {$1000.00}. I stated I did not authorize these transaction and the caller stated that we need to refuse them. I complied as they were impersonating Wells Fargo. Once the call ended they said I would receive a follow up. No call. I called Wells Fargo the following business day to get an updated they did not recognize the claim number that was provided. So they filed a new claim one for the unauthorized transaction in my checking account for {$150.00} but I was concerned about the {$3500.00} from my savings so they transferred me to the fraud specialist I filed a real claim with them about the unauthorized XXXX transfer of {$3500.00} I stated I got a call from a man impersonating Wells Fargo. They cancelled my savings account opened a new one, I got a new debit card and we created a new log in. Once I got both claims filed I just waited, i received emails from Wells Fargo saying how to prevent myself from fraud after the fraud had already happen. It wouldve been helpful to have got those emails/alerts prior, as I have had fraud on both accounts before. I got a letter saying my checking account claim was resolved for {$150.00} I was still waiting to hear back from the saving account. I received a letter from Wells Fargo today saving they denied my claim because I authorized it. I did not authorize it, this man was impersonating a Wells Fargo banker and I was a victim of fraud. As someone who has been a victim of fraud with this same bank they did nothing to protect me and then deny my claim. How are XXXX claims for the same thing not both refunded? I was clearly a victim of fraud and they want to refund only one account and not the other, both incidents happen on the same day. They send helpful emails/ alerts once the fraud had already occurred, I already dealt with this once prior to this new claim. A bank that is suppose to protect you and assets does nothing for you until the damage has already took place.

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 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr cooper my loan servicer stated I can only utilize XXXX months of forbearance According to the CARES ACT I'm suppose to have XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
They refuse to close my account without a retention pitch. They literally have a message topic option of " Account Closure, '' but they refuse to close the 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 2022-02-08 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: FL

Complaint narrative:
Experian is continuing to report " late '' " past due '' payments for XXXX  account. XXXX XXXX XXXX are reporting " pays as agreed/never late '' which is accurate.

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc.
State: KS

Complaint narrative:
I filed bankruptcy in XXXX. Case number : XXXX. I included this creditor as part of my bankruptcy petition. At that time, they were known as XXXX. I believe they have since been renamed charter communications. They retained a collection agency, Amsher Collection Services , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, to collect the {$230.00} debt that I had discharged in my bankruptcy. They have given me XXXX days to respond to them, or else I risk something being placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: MD

Complaint narrative:
After obtaining my credit report from XXXX, it has many errors to date. On XX/XX/2022 I mailed them a letter containing the inaccuracies on the report that their company furnishes. As of today, I am currently requesting correspondence from this company, since they have failed to remove the errors, and inaccuracies on my consumer report. They have also failed to furnish any Affidavit, letter, or form that I even gave them permission to create and furnish this consumer report. 

As of today, I have been violated as a federal protected consumer in pursuant with 15 USC 1692 ( j ) 15 USC 1666 ( b ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( i ) ( d ) ( 2 ), The accounts that are being reported as " derogatory accounts '' have not been verified, and currently are inaccurate, as well as all alleged

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
I received a collection letter from Cascade Capital Funding , LLC in XXXX of XXXX dated XX/XX/XXXX for my visit to XXXXXXXX XXXX Hospital on XX/XX/XXXX in the amount of {$1700.00}. 
My health insurance was with XXXX XXXX at that time. I contacted XXXX XXXX and was provided the following information for that date of service. The amount was {$1300.00} not {$1700.00}. The contracted amount with XXXXXXXX XXXX  Hospital was for {$120.00}, the amount paid by XXXX was {$120.00} and the patient 's amount to paid by me ( the patient ) was {$0.00}. 

Additionally, I believe this is a fraudulent attempt to collect on the behave of XXXXXXXX XXXX Hospital, ( who has been closed for nearly a year to date ). I never received a billed from XXXXXXXX XXXX  Hospital prior to its closing for any of its services, since did have insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: PA

Complaint narrative:
Across the three credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than 30 days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an FTC complaint and so forth as well as added fraud alerts however equifax, and XXXX along with XXXX have neglected to investigate my concerns as you will see on the attached documentation breaking FCRA rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across 3 bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action

Company response to consumer: Closed with explanation