vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureaus are reporting inaccurate information on WELLS FARGO HM MORTGAGE. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. 

WELLS FARGO HM MORTGAGE XXXX Balance {$0.00}

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 2022-02-01 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: TX

Complaint narrative:
Ive sent all XXXX beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with Beaus ( 1692 ) e. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per 1692g Im asking for verification of debt and also how did all 3 beaus come with such information being reported on my account in regards to 3 miss payments to a XXXX 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 2022-02-01 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2022, I visited a local dealership to make a purchase. After getting the vehicle information. I submitted an application with Navy Federal Credit Union for an auto Loan. I was declined twice. I called into see why I was declined and was told a letter would be sent out. 

After reviewing this letter, I believe that I have been discriminated upon by this company and I would like to exercise my rights in good faith. I feel like I dont want to apply for any more credit. I am losing faith in this banking system and I am considering taking my money out of the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I happened to get a call from this debt collector name security credit which I have never signed a contract with them. I also never gave them or the consumer reporting agency written permission to post this information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I called the National credit adjuster on XX/XX/XXXX, spoke with a rep, gave a statement, and sent an XXXX identity theft report via the email specified in the call. On XX/XX/XXXX, I visited the National Credit adjuster website, filed a complaint, and provided a report. On XX/XX/XXXX, I filed a dispute with XXXX and provided a copy of the identity theft report. On XX/XX/XXXX, I contacted the CFPB. In XXXX XXXX 's response, he has advised doing the same things I have done multiple times with no response. Also, XXXX XXXX failed to mention that I filed an identity theft complaint with XXXX when the account belonged to them, and they removed the negative item and closed the account. The negative item then reappeared when NCA purchased it from XXXX. XXXX XXXX is asking me to do what I have done from the fraudulent account was brought to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I looked on my credit report after I called CREDENCE RM to dispute any knowledge of this alleged debt and it is was on on my credit report which is a violation of 15 u.s.c 1692e ( 8 ) the failure to communicate that a disputed debt is disputed I also have signed a contract with them which is also a violation of 15 u.s.c 1692e ( 8 ) the false representation the use of any business company, or organization name other than the true name of the debt collector 's business, company, or organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TX

Complaint narrative:
Ive sent all XXXX beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with XXXX ( XXXX ) XXXX. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per XXXX XXXX asking for verification of debt and also how did all XXXX beaus come with such information being reported on my account in regards to XXXX miss payments to a XXXX 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 non-monetary relief
Consumer complaint received 2022-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive sent all 3 beaus letters in regards to verification of a XXXX credit card account thats incorrect and also ceased from communicating with Beaus ( 1692 ) e. Im asking for verification of debt of chase account being incorrect reported as missed multiple payment. Per 1692g Im asking for verification of debt and also how did all 3 beaus come with such information being reported on my account in regards to 3 miss payments to a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have deposited a check ( issued by Wells Fargo ), that I received by mail, online into my account at Wells Fargo. Wells Fargo first told me that the company did not have sufficient funds, then that the check was forged, then that I have forged the check, and they are returning the funds to the issuing financial institution ( what about insufficient funds? that they returned to themselves? ). 
I have contacted company that issued the check. They assured me, that they did not forged the check, and that there is money in the account. The money was withdrawn from the account at some point, and, I guess, now is returned back. 

I am extremely offended by Wells Fargo customer service persons, accusing of forgery, and I demand an apology. Getting my money would be also nice. I did not know, that being a bank customer involved letting the bank to get my money and abuse me at the same time.

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 2022-02-01 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-01 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This evening I was called by a navy federal number and they took XXXX dollars from my accounts. After talking on the phone with navy federal I was told that they will submit a fraud claim but it isnt likely that I would receive any money back. I did not authorize these transactions. I was told I needed to wait until the payments posted before I could submit a claim on XXXX of the money taken from my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I was contacted by SOUTH WEST RECOVERY SERVICES about an alleged debt they where try to collect on which I never signed any contracts with them please provide me the documentary of Evidence 15 U.S.C 44 with my name in wet ink and SOUTH WEST RECOVERY SERVICES REGISTERED AGENT Names on the contract as well South West Recovery Services is also in violation of failure to communicate that a disputed debt is disputed 15 U.S.C 1692E ( 8 ) I told A SOUTH WEST RECOVERY SERVICES representative I was aware of any alleged over the phone and they still listed on my credit report which is also identity theft I never gave them any written consent to put anything on my consumer 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 explanation
Consumer complaint received 2022-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
We have had no access to transaction information for an authorized user 's Capital One credit card online on CapitalOne.com and on the Capital One app. We have contacted Capital One customer service at ( XXXX ) XXXX on multiple occasions and have been placed on hold for a cumulative time of approximately 8 hours. We have been given false promises, and we have been given conflicting information regarding how to upgrade an authorized to an account manager. Capital One has even insinuated that we are committing fraud, despite having a Capital One credit card account in good standing, and both credit card users having a XXXX score of approximately XXXX or higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I bought a XXXX XXXX from XXXX  in XXXX XXXXXXXX al in XX/XX/XXXX. I financed it through regional acceptance. I had the car 1 month and was in an accident XX/XX/XXXX. I was not at fault per the police report. The at fault partys insurance XXXX paid XXXX check number XXXX and my gap insurance paid XXXX something which left a remaining balance of XXXX dollars. The remaining balance was owed by the warranty dept at XXXX. Fast forward to XXXX and I have my credit ran as Im trying to buy my first home and low and behold a collection account from regional acceptance for XXXX dollars. After several phone calls to regional acceptance I tried to explain that the remaining balance was owed by XXXX per my insurance company and offered to provide proof. Regional acceptance stated Im liable for the remaining balance until they receive a check and that the collection account will remain on my credit report for 7 years. XXXX  in ft XXXX was very diligent in righting their wrong. XXXX XXXX worked very quickly to resolve this issue. They sent a check for XXXX to regional via XXXX  check number # XXXX. Ive called regional acceptance several times to see if they have updated my account so I can have this removed from my credit since this is not my debt. I called and they forward me to the collections dept. when Im forwarded to collections Im hung up on. Ive called and left voicemails for a phone call back. No call was returned. I just want my account in good standing and have Regional acceptance remove the collection debt from my credit report since it was not my debt to begin with and shows it was paid as agreed.

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 2022-02-01 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from 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 explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Multiple violations and continuous reporting of inaccurate information with blatant refusal to delete account after being made aware of inaccuracies. Continues to verify account as accurate despite valid disputes. 


Incomplete/invalid account number under XXXX XXXX XXXX XXXX reference to the original creditor violation of XXXX Segment of XXXX XXXX XXXX Reporting a charge off account as an open account Collection agency is reporting a payment history as if they are the original creditor Account status inconsistent between the credit bureaus Payment status inconsistently reporting between the credit bureaus Terms reporting inconsistently between the credit reporting bureaus Comments inconsistent between the credit reporting bureaus Date last active inconsistently reporting between the credit bureaus Multiple dates for date last active proving the account was illegally re-aged by 4 years Date of last payment inconsistently reporting between bureaus proving re-aging of date of last payment by 4 years Continued activity after account was charged off Inconsistent payment history between bureaus with ok status and charge off status reporting when there is no way possible that can be Account type detail inconsistent including unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint has a previous CFPB Case Number ( XXXX as in the attachment ). This case is NOT resolved, as Bank of America is engaged in fraud. 

Bank of America forgave the PPP loan ( as in the attachment ).

Per IRS announcement IRS announces no reporting forgiven PPP loans on Forms 1099-C In Announcement 2020-12, the IRS has clarified that lenders should not file Forms 1099-C, Cancellation of Debt, to report the amount of qualifying forgiveness of covered loans made under the Paycheck Protection Program ( PPP ) administered by the Small Business Association.

The CARES Act established the PPP, which allows qualifying businesses to obtain loans guaranteed by the Small Business Association. Those loans will be forgiven if certain conditions are met, and forgiven amounts will not be includible in the borrower 's gross income for tax purposes. 

In Announcement XXXX, the IRS confirmed that the lender is not required to, and should not, file a Form 1099-C with the IRS or furnish one to the borrower as a result of the qualifying forgiveness when all or a portion of the stated principal amount of a PPP loan is forgiven because the borrower satisfied the forgiveness requirements under the loan. The Announcement notes that filing such information returns could result in the issuance of underreporter notices and confusion for borrowers. 

Yet the Bank of America gave me 1099-C just to harass 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 2022-02-01 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 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 non-monetary relief
Consumer complaint received 2022-02-01 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:
ATTN Fraud Department : Remove fraudulent accounts from 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