vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I feel offended every time people add unpleasant information on my redit report. I feel I am not belong here anymore. I ce from a decent family. Now, what to do to change my image yo the XXXX. I want to take it to court. Equifax published negative report on my behalf and also they change our organization status. We used to pay a space on my own to run the organization, i had an accident I didn't receive any money to pay the rental place. I had to move the organization to my house. We have a space 2 years ago we don't any money to establish a good system to run the business. Now some how someone intent to mess up my reputation. For some reason I would like some take in consideration and fix the problem for me. I will appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2022, Equifax I have obtained my credit report from XXXX. Equifax is not reporting the collection companies name. The original creditors name is not spelled out. The name is in initials. How am I suppose to know who these companies are if there names are not spelled out correctly? I attached a screen shot from XXXX XXXX XXXX XXXX XXXX XXXX did not notify me at my current or previous address about this debt. Which is a violation of the FCRA and FDCPA 15 U.S code 1692g. A debt collector must notify a consumer at the ADDRESS of the debt. I was not notified at my present or previous address. Please check previous addresses that XXXX XXXX XXXX XXXX  has listed. Thank you for you help Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
We were declined for a refinance on a mortgage. We received a loan package as if we were approved but didnt know we were declined until we tried to submit our documents. Our loan officer never reached out to us during this process and we feel there were discriminatory practices during our application process. We dispute the reason for the decline including foreclosure and judgements. We have none because we had a XXXX  XXXX bankruptcy that was discharged in XXXX and also our mortgage payments were made to Wells Fargo at this time. We feel that we were declined due to redlining and no one from Wells Fargo assisted us during the application process. We would like to have someone explain to us how a XXXX couple with a high six figure income can rejected due to reasons that appear to be inaccurate and discriminatory

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 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
A charge appeared on XX/XX/XXXX on my statement for {$220.00} from a company called XXXX. They are a delicatessen near where I work where I often get a salad and soup for lunch. They are a high volume place around lunchtime and just cycle you through without giving a receipt. They just take your card and run it. 

When I saw the charge I informed Citibank that the charge was incorrect. They deigned my dispute because : " We have reviewed the information you provided regarding your dispute. 
Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. '' By that standard, I would still be responsible if they had input {$22000.00} instead. I can't prove a negative. The merchant, however does have a cash register record and could see if a {$220.00} charge occurred or not. They won't even contact the merchant to see if they dispute the charge.

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 2022-03-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I sent letters to each bureau asking them to verify the inaccurate information that is reporting to my credit profile. The accounts reporting to my report are not mine. It's been over 30 days and I have yet to receive a response back from them. I feel like I am being taken advantage of and being ignored. This false information is holding me back from a lot of opportunities. Please help me with this problem.

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 2022-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
Receivable Management Systems sent me a statement saying that I owe XXXX XXXX XXXX but I do not. I have a XXXX  dollar balance with 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 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amos & Muffoletto, LLC
State: MD

Complaint narrative:
I have recieved a call in the past from this collector in the past. I have informed them that they have the wrong person and that I have never been to the facility listed in the letter. The debtors name is incorrect and it seems they are just trying to collect from anyone at this point. The file number is XXXX and the companys name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: FL

Complaint narrative:
This item was removed by all credit companies and is now showing back up on my credit report. Please remove this item. Its not mines Documents have been submitted over 10 times. This item was removed and they passed it to a different debit collector. The item was removed for fraud. So they cant do that.. PLEASE UPDATE MY PERSONAL INFO AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
A company named WAKEFIELD & ASSOCIATES showed on my XXXX credit report on XX/XX/22. They claim that XXXX XXXX XXXX XXXX was the original creditor when I have not heard of them either. The balance they claim I owe is {$1200.00}. 

I have never heard of XXXX XXXX XXXX XXXX nor have done business with them. Aside from this complaint, I have also reported this activity to experian. 

After some research I learned that both companies are the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I've sent three certified debt validation letters to this company RESURGENT/ LVNV FUNDING, LLC and to no avail did not recieve a response in regards to this alleged debt on my credit profile. 

Therefore, I have no choice but to file a CFPB complaint as they have failed to due their due diligence in regards to this matter. 

Not only that. I was not notified of this debt from thier company and/or oppurtunity to debunk said alleged debt. 

I've attached the most recent certified letter that was sent to this debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: Aldous & Associates, PLLC
State: NC

Complaint narrative:
On XX/XX/2022 I received a notice that I have an account in collections from Aldous and associates on behalf of XXXX XXXX XXXX XXXX. The open balance shows {$280.00} when it was actually {$230.00} owed. 
As of XXXX XXXX the balance has been completely paid but it is still showing a deliquent status in collections on my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I initiated a balance transfer for the sum of {$1200.00} from my AppleCard to a XXXX card on XX/XX/22. The balance transfer was completed and posted to my XXXX account on XX/XX/22. As it seemed like the transfer was taking a bit longer than usual for the payment to be posted to my apple card, I did some research and discovered that Goldman Sachs ( the bank that handles the apple card ) does not accept non-conforming payments, which I came to understand was what my XXXX balance transfer check qualified as. In order to remedy this, I requested the balance transfer be canceled with XXXX. However, they informed me that canceling the transfer was not possible as Goldman Sachs already cashed the check. As of XX/XX/22, Goldman Sachs denies that they received a payment from XXXX. I have reached out to Goldman Sachs multiple times requesting that someone please look into this issue, but no one has helped. I have confirmed with XXXX verbally, electronically, and through the mail that Goldman Sachs has, in fact, cashed the check. XXXX has provided me with a copy of the check and a letter stating that the check has been cashed. I have reached out to Goldman Sachs multiple times, and they repeatedly deny that they have received a check to be applied to my Apple Card balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Aidvantage just took over in XXXX the XXXX Student Loan I have for my daughter 's college from the previous loan processor that was assigned by the government ( XXXX ). It's in deferment because she has not yet graduated. They've had my loan for 2 months - XXXX and XXXX. I've been making payments of {$500.00} every two weeks since they got my loan, EVEN THOUGH I AM NOT REQUIRED TO PAY ANYTHING because the loan is in deferment AND there is currently no interest being charged to it. My first payment was XXXX XXXX, next was XXXX XXXX, and again on XX/XX/XXXX. When I logged into my account on XX/XX/11, there was a past due charge of {$5.00} on my account, with no explanation. I've not received any notices from them about a past due fee. Then when I searched through the information on my account ( which was no small feat ) I found a {$1.00} per month service charge was being applied to my account. I was not informed about this fee, and furthermore, they've only had my loan for 2 months, so how are they charging me for 5 months?! They have not responded to my emails about this. In addition, my account number is nowhere to be found on this website and if I didn't have the ONE letter they have sent me since taking over my loan, I would have no idea what my loan number is. That letter also does not say that I will be charged a monthly fee now that they have taken over my loan. I do have the letter from XXXX that says " nothing about my loan will change. '' I take that to mean there should be no monthly fee attached to it. The single letter I've gotten from Aidvantage also affirms that the " terms of my loans will stay the same. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
hi i deposit 2 check to wells forgo account the first one was amount XXXX its should be release by XX/XX/2022 now they holding this check until XX/XX/2022 also 2nd check which is my pay check its should release by XX/XX/2022 also put hold on it until XX/XX/2022 when called the bank they said funds are not available i contact my employer the check cleared from there end called again wells Fargo now its suspicious and I'm with wells Fargo for over 12 years

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 2022-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
My credit score was XXXX when I went to purchase my vehicle. The leasing company used an old credit score of XXXX. I was given a loan rate based on an old score, not my then current. I call the company and they said I had to reach out to XXXX XXXX, I was denied any further investigation. Date of purchase was XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I am requesting this matter be resolved by XXXX XXXX at AmeriHome as she was previously working on my previous complaint. This complaint is directly related to my previous complaint, involving AmeriHome Mortgage case number : XXXX. 

I have and continue to pay my AmeriHome Mortgage loan on time, under the loan modification trial terms as agreed, yet AmeriHome has now erroneously reported that I have missed payments with regards to my loan and has reported these errors on my credit profile. 

This is hugely disappointing given that I previously thought this matter was resolved by XXXX XXXX at AmeriHome Mortgage, but now these issues are continuing in violation of the law under the CARES Act and COVID-19 Forbearance that is in place to protect consumers from this very thing from happening. 

I am requesting this matter be resolved immediately, and the erroneous late payments be immediately removed from my credit profile as they are not accurate and invalid. This matter is now putting in jeopardy my application for a HELOC that I recently applied for and must be dealt with immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've sent multiple certified debt validation letters to this company CAPITAL ONE and to no avail did not recieve a response in regards to this alleged debt on my credit profile. 

Therefore, I have no choice but to file a CFPB complaint as they have failed to due their due diligence in regards to this matter. 

I've attached the most recent certified letter that was sent to this debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
around XX/XX/XXXX jpmorgan chase shut down all my credit cards without warning and explanation. i never broke any of their terms and conditions. this caused my XXXX XXXX to drop due to the fact that most of my credit line was by them now its very difficult to get approved by other banks. i reached out to them and they left me a message saying something about " unexpected activety so we made a bank decision to end our relationship ''. i tried calling to get a clear explanation but they are not calling me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On or about XX/XX/2021 I sent a dispute to TransUnion LLC for money alleged owed to XXXX XXXX  XXXX in the amount of XXXX dollars as a charge off I have challenged the amount owed. And have requested all documents that may bear my signature or social security number. Thirty days later TransUnion failed to mark the item as disputed, or give the method of verification used to support the reporting of the inaccurate amount of XXXX dollars, On or about XX/XX/2021 I sent a second dispute notifying TransUnion LLC an explaining to TransUnion that I have still not received the method of verification and to no available conclusion no information has been provided to consumer. On XXXX XXXX I sent a third dispute letter and a copy of my counter claim to the civil suit with XXXX XXXX XXXX for Violation of the Fair Credit Reporting Act. XXXX XXXXk XXXX XXXX file initial civil suit around XX/XX/2021 ) Consumer filed a request for production with the Court and received a response from XXXX  XXXX XXXX that they would investigate the matter and produce all documents pertaining to my counterclaim. ( Also sent to TransUnion for it pacifically stated they had to investigate ). About XX/XX/2021 TransUnion still refused to give consumer method of verification or remove the inaccurate reporting of the XXXX off my credit report for TransUnion willful disregard of the FCRA. Consumer then sent a Notice of Cease and Desist of reporting the inaccurate information ; alleged amount owed for the reason that XXXX  XXXX XXXX pacifically stated they had to investigate my counterclaim to their civil case. To date XXXX XXXXXXXX XXXX has still not verified any request but has ask for an extension of time through the courts and TransUnion still has not verified any information they are reporting under this account. 
For these reason I turned to the Consumer Financial Protection Bureau after numerous attempts amongst both parties ( XXXX and TransUnion ) and neither one has accurately investigated or reported the information as it relates to FCRA and the Consumer.

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 2022-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I had a eye procedure done at XXXX XXXX XXXX, i was told {$5000.00} covers every thing including follow up visits to see how the eys are healing however the Doc office charged me {$180.00} for each follow up visit which was agreed that the procedure include all and later they sent to debit collection agency.

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 2022-03-13 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: OH

Complaint narrative:
In the recording with the fair credit reporting act conversion account number XXXX XXXXXXXX XXXX XXXXXXXX and account number XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1518 section 602 a state I have a right to my privacy 115 U.S.C 1618 section 604 2 also states a Consumer reporting agency can not parish XXXX account with out my writing construction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Consumer portfolio services inc has sued me for a balance due on my car, i was in an accident and the person had no insurance, they got a check for half of the amount from the insurance. I have been severely affected by XXXX XXXXXXXX and the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX i sent Equifax a certified letter inquiring about a public record listed on my credit report this letter was delivered XXXX XXXX. Equifax then responded that this account was accurate and verified by their source XXXX XXXX shocked by this information i contacted XXXX XXXX they have removed this information XXXX XXXX and sent me an update. Equifax removed this public record from my report and then added it back without sending me an update or notifying me. I then contacted Equifax XX/XX/XXXX requesting that they delete this account from my credit report due to their Method of verification being invalid because their resource is no longer valid XXXX XXXX is not reporting a public record. They then responded again saying that this account was verified by XXXX XXXX. On XX/XX/XXXX i contacted Equifax again explaining to them that their resource is invalid and to delete this inaccurate public record from my credit report this letter was delivered XX/XX/XXXX. XX/XX/XXXX they still responded again that it was verified through XXXX XXXX a company that IS NOT REPORTING THIS INFORMATION. On XX/XX/XXXX i sent a letter to Equifax to dispute this public record for being inaccurate. Also i have contacted them multiple times about accounts that are inaccurate they have not provided me with their method of verification or paperwork for those accounts.

Company response to consumer: Closed with explanation