vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I obtained a car loan in XX/XX/XXXX for a XXXX XXXX with Wells Fargo XXXX XXXX. In the time since, I believe I missed 2 ( maybe 3 but I doubt it ) payments : once due to my bank account being frozen as someone fraudently withdrew several thousand dollars from my account. I always make a payment of $ XXXX {$270.00} every month but yet the balance on my loan never decreases. According to me, I should owe approximately {$2000.00}, if even that much. My credit report shows a continual balance of {$4400.00}!! I'd like to know what the actual balance is as I'll either pay the car off soon or refi with a much lower rate - my loan is at 11 % and my scores are now XXXX and XXXX so I could qualify for a much lower rate. I would appreciate any help that you can provide. I know this seems to be a common complaint regarding Wells Fargo 's loans. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
i have repeatly called and sent dispute letters to all 3 credit bureaus, XXXX XXXX, Equifax, about my compromised credit file. The credit file that suppose to be in my name is in someone else 's name. My name is XXXX XXXX XXXX. XXXX XXXX XXXX is the name that was on my credit file. As you will see on my documents the bureaus have me down as better know as XXXX XXXX XXXX. I have never in my life went by that name. And in other documents including my Lic. You will see the correct spelling of my name. As this matter has been damaging my credit as well my character. i would like to have the these items fully removed from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
My payment date was changed over the phone several months back. Due to my spouses death I have lost 40 % of my income. I spoke to a supervisor from the financial group and was told the date can not be changes and I now owe 2 payments which I can not make. They are not willing to work with me or ever listen to my issue. I just cant make these payment today as I have no funds. What can I do?

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 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
The collection previously deleted by Consumer Adjustment Co has been illegally reinserted using false, deceptive and misleading practices. This account was unsubstantiated, unverified, and therefore it was why it was lawfully removed in accordance with the Fair Credit Reporting Act. 

Consumer Adjustment Co commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting  a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

I have attached the reports for comparison.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is charging me overdraft fees on top of returned payment fees. I have had bank fees assessed duplicate times. Often the 'fees ' are just loans are at around 100 % interest or more. I have been assessed thousands of dollars of fees even after requesting that the bank turn off overdraft protection.

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 2021-06-23 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: DISCOVER BANK
State: AZ

Complaint narrative:
Discover card is holding onto a payment of {$85.00} and not posting it account. I called Discover card customer service and I was told it could take two weeks. I have never had a returned payment in the past and account has been open almost two years. The funds have already been withdrawn from my checking account now for over a week. I feel this ridiculous. I want the payment applied immediately or the funds returned to my bank. Discover card or any bank for that matter should not be allowed to hold funds in limbo for 2 weeks or for however long they feel like it. This should be against the law and I feel further government regulations are required so banks such as Discover don't take advantage of consumers. I also had a slimier issue with XXXX XXXX but what XXXX XXXX did is the called my bank with me on the other line and they confirmed that payment cleared then they released the hold of funds on my XXXX XXXX credit card. Discover card should do the same as this is totally absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I have these accounts that does not belong to me and i want them to be remove from my credit report asap. 

1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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:
I have submitted a few disputes to XXXX XXXX XXXX XXXX 2 accounts in reference to the erroneous, inaccurate and Non-Compliant information that is being reported on my credit report. I have sent in a copy of the credit report showing all the inaccurate information that is being reported and it is still being verified. So, this just let me know that no investigation is being done. The last dispute that was sent in is when I noticed that the account was closed and they are still reporting CO in the 2year payment history. One account is charged off in the amount of {$10000.00} and the other is 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 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted a few disputes to XXXX XXXX XXXX XXXX 2 accounts in reference to the erroneous, inaccurate and Non-Compliant information that is being reported on my credit report. I have sent in a copy of the credit report showing all the inaccurate information that is being reported and it is still being verified. So, this just let me know that no investigation is being done. The last dispute that was sent in is when I noticed that the account was closed and they are still reporting CO in the 2year payment history. One account is charged off in the amount of {$10000.00} and the other is 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 2021-06-23 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Santander Consumer USA has not provided me with the legal documents I need to prove the validity of this account. I have asked them several times to provide a signed contract to prove this account is mine. The last certified letter went out on XX/XX/2021. Still waiting for a response. If the other responses to my inquiries are any indication, I will not get any validation for this alleged account. 

My reputation, credit report status, and future income opportunities have been permanently damaged because of this account! 
I can not get a car, house or credit card because of this mess. 
I am ready to go to court regarding this account if nothing happens at this point that would alleviant this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XX/XX/2021 I finally paid one of the debts off to Midland Credit Management, since I am getting no response, can not contact them and they refuse to mail any legitimate, helpful information to resolve the accounts or send any correspondence that is valid. I paid the {$1200.00} XXXX original creditor is XXXX XXXX ). Now they are not reporting that it is paid in full to the credit agencies and still hurting my credit score. I will have to pay the other debt at my earliest convenience, since they refuse to cooperate or act like a legitimate business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 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: MRS BPO, LLC
State: NJ

Complaint narrative:
Account # XXXX was closed. We received numerous from their collection agency. We paid it off on XX/XX/2021. They harassed us to pay this bill. We paid MRS BPO and they told us that within 10 days we would have the information updated on our report. That was not true. When we tried to speak to XXXX  XXXX about this, they said they have nothing to do with it. Now XXXX XXXX is holding our money and acting as if no payment has been received by them. They received the funds on the XXXX from MRS BPO. Our credit is being hostage even though we have paid this off. They are not updating our credit report on time. They said they clear this up within 30 days but that is not true. They say and do anything to get money from clients but then hold those funds and not report that accounts are closed. They are updating 60 to 90 days after the fact even though the money was received immediately. Someone should investigate XXXX XXXX AND MRS BPO for fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently check my credit report and noticed unauthorize inquires. I reached out to the company via letter and telephone calls. My letters were never responded back to, and phones call left me feeling like there was no hope in clearing up this error. These inquires are greatly affecting my credit score negatively and emotionally leaving I am battling anxiety due to this issue. It has been well over 30 days with no resolution and I'm beginning to feel as if big business can mistreat the ever day consumer with out repercussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: NV

Complaint narrative:
I received a call from XXXX, OH. I had answered and they had asked if it was me ( XXXX XXXX ). I said yes, and they hung up. A week later, I get a notification that a XXXX account was on my credit report and my XXXX had been compromised ( passwords and usernames exposed, etc ).

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 2021-06-23 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

Complaint narrative:
I am.trying to withdraw amounting of XXXX XXXX and they ask me to add LOCAL BANK ACCOUNT which is I did. They asked me to try after 48 hours and I did wait for more than 48 hours now still they don't allow me to withdraw it. We are on a lockdown/quarantine because of COVID and I badly need the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I am a XXXX XXXXXXXX that work for the state of New Jersey during the entire pandemic at a residential home for the Developmentally Delayed. I was forced to apply for forbearance during the COVID 19 crisis due to decrease in work hours from my part-time job. When I finally was able to start paying my mortgage due to increase in work hours, I sent a payment to my mortgage company 's loan servicer Specialized Loan Services on XX/XX/2021 and the amount was returned I was told they need the entire 6 months paid. I did not have the amount and requested to refinance. They told me that they were not a refinancing company and I had to find one on my own, which I did. However the process took a while but I was able to pay the entire amount owed in order to get the lower interest rate with the refinancing. 

I am XXXX years old, planning retirement and want to down size but I can not get a lender to pre-approve me as Specialized Loan servicing has recorded that period of arranging a new refinancing company to take the loan over as credit default, thus preventing me from getting a home that I can afford when I retire. 

Please help me to get the credit demerit deleted. I will highly appreciate that.

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 2021-06-23 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2021-06-23 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: Northern Arizona Creditors Service, Inc.
State: AZ

Complaint narrative:
We sent a debt validation and cease and desist letter in to Northern Arizona Creditor Services and they did not respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
i am a XXXX  posted in USA for three years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries?

Portion of my credit score is also including student loan and mortgage loan but i am not a US citizen  and never took these loans.

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.

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 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/2021 I received an email stating my account with Chime Bank was being closed and that chime had made the decision to end their relationship with me. I opened this account because chime advertises that they help fix your credit and one can receive their pay checks a day sooner. Instead of helping me fix my credit they have ruined mine because they have kept all of my deposits equaling approximately {$23000.00} I can not see the exact amount as they have closed my account and I can't access the account. I was supposed to receive my XXXX on XX/XX/2021 which included backpay this money was going to be used to pay my rent and other bills. Upon doing a little research I found that chime bank has done this to a lot of other people closing theirs and mine accounts and keeping the money. Chime Bank is a fraud and is stealing money from people and ruining peoples lives. This money was due to not being able to work during the pandemic and it being taken from me has made everything much worse I don't have a place to live now as I have not been able to work due to XXXX and money awarded to me by the government was stolen from me.

Company response to consumer: Closed with explanation