vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi this is my 2nd complaint about this matter Im a poor XXXXyear old had my life savings stolen from my TD bank account ending XXXX and when I complained to TD and Investigator XXXX XXXX from TD was extremely nasty and unhelpful when I filed a police report they told me they have a lot of complaints on TD and they are the worst to deal with they dont protect or help fraud victims please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Co. LLC placed me in collections for a XXXX Bill after XXXX reflected a XXXX balance when we ended service. We also notified XXXX of my Bankruptcy. I reviewed my XXXX credit report and saw Enhanced Recovery had reported a {$500.00} balance and had been on there an entire year. They had my phone number incorrect as well. We contacted XXXX  who removed the debt as it had an incorrect number but damage was done to my credit and interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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:
There are multiple accounts on my credit report that are not mine I have writing and calling and I opened an FTC I am now doing a CFPB and I am also getting a notarized Affidavit regarding Identity theft this is not ok to have these on someones credit and bringing someone elses life down is not ok I need this resolved I should not be a victim and pay for this. 


Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  CARD Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF EDXXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXXXXXX  Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXX  Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: CA

Complaint narrative:
There are 7 accounts that are on my credit report that I have been disputing with the bureaus and the furnishers since XXXX these accounts are not mine and they do not belong to me I need to get these accounts off my credit asap. I have filed for FTC I have a notarized identity theft affidavit but nothing is being done about this. 

XXXX  XXXX XX/XX/XXXX- XXXX  {$0.00} XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX XXXX XXXX - XXXX {$19000.00} XXXX XXXX  - XXXX {$11000.00} XXXX XXXX  - XXXX {$5500.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXX XXXX  XXXX  - XXXX {$6200.00} Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXL XXXX XXXX XXXX  - XX/XX/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 2021-04-27 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:
There are 7 accounts that are on my credit report that I have been disputing with the bureaus and the furnishers since XXXX these accounts are not mine and they do not belong to me I need to get these accounts off my credit asap. I have filed for FTC I have a notarized identity theft affidavit but nothing is being done about this. 

XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXXXXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXXXXXX XXXX XXXX - XXXX {$6200.00} Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My home mortgage is held by Wells Fargo Bank. I had been receiving COVID mortgage relief for some time as the result of being XXXX, and later requested Wells Fargo perform a loan modification. I was under the impression my responsibility was to make three consecutive mortgage payments in order to complete the processing of the loan modification. I asked if the payment dates changed, and was advised it had not, but it was reduced to {$930.00}. I made my first and second payment weeks in advance, however I have been receiving incessant nuisance calls and letters reminding me to make a payment, as if I'm late. I advised the last representative not to call me and not only did I receive a call, but a letter demanding close to {$9000.00}, that I was told not to worry about it by Wells Fargo. Wells Fargo is harassing me and traumatizing me. They are making me feel as they have bamboozled me and are attempting to take my home. They are creating a paper trail although I'm making payments.

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 2021-04-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I called Equifax to have them take 1 account out of dispute. I called back the XXXX to see the status of my request and I was told that all disputes were pulled. I spoke to a manager and he told me that the employee made a mistake and that it would take 5-7 business days to fix the disputes and then an additional 5-7 business days to remove the dispute remark if it was still on their. This is keeping me from closing on my house and Im being told nothing can be done to expedite the fix and that its the system. I asked for a simple request and its all screwed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I paid my American Express completely off in XX/XX/XXXX. It wasn't until I applied for a car loan in XXXX that I saw that have been dinging me for 2 years. I called customer service and they advised that I had a interest balance of under {$10.00} that was never paid. I was never given one phone call or sent one letter. Do you think I would have had a good standing with Amex, pay it off and then let them ruin my credit over {$10.00}? 

I have spoken with several customer service reps who advised they will have a manager send a letter to remove the late remarks. I also have a business card with Amex I will close if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: World Acceptance Corporation
State: OK

Complaint narrative:
I have found that there are several incorrect and unverified items, with World acceptance  and I have disputed these items with them and the credit bureaus several times in the past. These items have also caused a significant negative impacted my current ability to receive credit and have provided unnecessary embarrassment and inconvenience. 


World Acceptance XXXX and World Finance Co XXXX. This is the exact same company reporting incorrect information and duplicate account. They are listing it under different account numbers and keep removing and re-inserting it on my credit report. 
My last account with World acceptance was opened in XX/XX/XXXX, account number XXXX, and my last payment was in XXXX. I am sending documentation of this. 

This has not only hurt my credit score but also CAUSED major stress and the credit bureaus and world acceptance violated my rights. They recently just did it again which dropped my score XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Bank is misreporting a balance to my Experian credit report. The account was settled for less than full, and is reporting correctly on both my XXXX and XXXX credit reports.

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 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: OR

Complaint narrative:
Called me multiple times, explained to them that they are calling the wrong person. They also keep sending texts asking for a completely different person/name than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I contacted XXXX recipient XXXX ( XXXX # XXXX XXXX for an inquiry of concert tickets. I was told from the original ticket vendor, XXXX, to send over the ticket amount, {$420.00}, to the XXXX recipient as I would receive a transfer of tickets via email as soon as I did so. There was an open format of communication between both the ticket seller and the original vendor until I XXXX  over the {$420.00}, then I received no response or tickets from either. It has been over two weeks now and I still have not heard back from either the XXXX recipient or XXXX, so I am now resourcing for your services to file a fraudulent charge against them. Please let me know the following steps needed to be taken as I wish to resolve this matter as quickly and efficiently as possible. Look forward to hearing back from your division soon and hope you have a great rest of your week! 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
I applied for a mortgage with Cross Country Mortgage to close on my current home at the behest of my realtor because XXXX XXXX was taking much too long. I had done a refi with XXXX XXXX on my previous home so I guess my credit score was lower than it should have been. Cross Country Mortgage insisted that I had to go FHA when I have had conventional mortgages for the past 2 homes. I had 20 to 25 % for the down payment and the said I still had to go FHA. I was not happy with this and voiced my issues with FHA loans but I had to close on my home so I had no choice. Then I find out the day before I got stuck with PMI and upfront PMI {$5500.00} which I questioned when I had 20 to 25 % down payment why would I need PMI. Could not get a straight answer from anyone so I called Cross country in right after the closing and asked them to remove the PMI. They sent me a letter with the criteria and that it could not be removed for 11 years. I am paying {$210.00} more a month in PMI. I have called a few times and get no answers and help and spoke with my sales person, The last call I made I was told I have 81.1 ltv when I should have under 80 ltv and that is why I can not remove my PMI. Sounds like they lie to to their clients as much as they can. Why would I take PMI when I am trying to retire in a few years, I am XXXX XXXX old.If I refinance into a new loan the rate will be higher and it will cost me between 7,000 and 10,000. I would like my upfront PMI payment back and the monthly PMI removed from loan,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is reporting an erroneous debt on my credit file. I never even knew that i had this collection until i looked at my credit and saw it. Once i realized this debt was on my credit file i called and paid it immediately. This was a few years ago. I have sent various disputes to them and have called various time 's in attempt to get this removed from my credit file. I have not received any responses from them and this item remains on my credit. This debt has been resolved and i don't understand why this remains on my credit even after my attempts to have it removed. I am now trying to obtain financing and this is getting in the way. I need it removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
To whom it may concern. 

I am having difficulty with obtaining my data from HSBC. Attached are official records that show communication of my request for information starting from XX/XX/XXXX. However, I have been calling to HSBC XXXX requesting this information since XX/XX/XXXX, and on XX/XX/XXXX I visited HSBC branch at XXXX XXXX XXXX, XXXX XXXX NY XXXX and requested the same information from Mrs. XXXX XXXX XXXX. 

The information I have been requesting is a copy of bank statements from my HSBC credit card for the period from XX/XX/XXXX through XX/XX/XXXX XXXX hereinafter Requested Period ). HSBC has reissued my credit card several times since the Requested Period. For this reason, bank statements for the Requested Period are not available on my online banking account. Also, I do not possess the number of the credit card which was valid at a time of the Requested Period. The reason of my request of is to prove my medical expenses in the approximate amount of {$2500.00}. 

HSBC has failed to provide me with the requested information. Enclosed are responses to my twenty-three requests and follow-up requests on the same issue via BankMail. Also, the following complaints about the same issue were registered via BankMail : # XXXX, # XXXX, and # XXXX. I am also enclosing HSBCs letter dates XX/XX/XXXX with copies of the bank statements for a period of time which is different from the Requested Period. These are the only records I have since all telephone and online chat agents were unable to provide me any records of my customer request. 

I would appreciate if HSBC could either provide me copies of my credit card statements for the Requested Period or pay {$2500.00} in cash to my XXXXSBC checking account as a compensation for the loss Im incurring due to HSBCs failure to provide me this data. 

If you have any questions, please email me to XXXX or call me to XXXX XXXX XXXX XXXX. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: I.C. System, Inc.
State: AR

Complaint narrative:
I reviewed a copy of my credit report and I saw that there were collection items, and charge off items listed that I wasn't aware of. I attempted to contact the companies and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have accounts deleted. I also tried speaking with the CEO of XXXX about late payments that were reported on my account, which is also unverifiable, which is again, a violation of FDCPA, and need all late payments removed.

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 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The servicing rights to my mortgage were recently purchased by Mr. Cooper. So far, I have made two automatic monthly payments of {$2700.00} each by linking my checking account to personal checking account to my Mr. Cooper mortgage account. I have only authorized Mr. Cooper to make withdrawals on a particular day for my regular monthly mortgage payment. 

On Saturday, XX/XX/XXXX at XXXX XXXX, I was sent a generic email message from Mr. Cooper to inform me that their " vendor '' mistakenly processed unauthorized withdrawals from many different customer accounts. They promised it would be resolved quickly and that they would cover any overdraft fees, but this was still very concerning to me. I checked my checking account balance over the weekend and there was no withdrawal processed, so I assumed my account was not affected. However, today I checked my account and Mr. Cooper had processed FOUR SEPARATE WITHDRAWALS OF {$2700.00} EACH that were cleared by my bank yesterday XXXX Monday XXXX. While I also had transactions processed the same day to reverse all four withdrawals, I am incredibly angry that such large amounts of money were processed through my checking account without my consent and with very little information or notice from Mr. Cooper. 

How is it possible that internal controls at Mr. Cooper would allow such a huge mistake affecting many of their customer accounts? How did it not raise flags that for my account ( and many others like it, according to press accounts ) that multiple withdrawals were being processed on a single day, when the norm would be one such withdrawal per month for a mortgage that is payable monthly? I am flabbergasted that this wasn't caught beforehand, given how unusual this would be for the typical mortgage account. This could have been a major problem for me and other Mr. Cooper customers ( who, like myself, probably aren't Mr. Cooper customers by choice ), particularly given cash flow issues faced by many during the pandemic. I am requesting that this be investigated and that Mr. Cooper be held accountable for this issue. I am extremely disappointed in the " explanation '' that has been given by Mr. Cooper to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I made a police report for Fraud and Discover still refuses to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: U.S. BANCORP
State: OR

Complaint narrative:
Our home was in forbearance. We took it off and were given three options. Bring the loan current, put the unpaid months at the end of the loan, or extend the loan and lower our payments. I'm XXXX and won't see the end of this loan, so lower payments sounded good. I was told EVERY time on at least 20 phone calls and MANY hours with US Bank that this would in no way affect our credit score. I was alerted by XXXX that US Bank flagged our account as partial of modified payment agreement XX/XX/2021. I'm guessing that is true as they extended the loan but it was never supposed to have a negative affect on our score. Our score dropped XXXX points in one day. I disputed with XXXX and US Bank. XXXX said US Bank listed the comments as true and they would not change it. We have another home we are going to take off of forbearance, will our score drop to 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