vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 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: CA

Complaint narrative:
In XX/XX/XXXX my account consumer credit card was closed by XXXX XXXX, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. 

Equifax updated the charge off status to XX/XX/XXXX resulting in a XXXX point XXXX  drop this also put me in a different credit bracket reulsitng in a higher interest rate. This happens to be a constant reporting error, and when this is reported if reflects to lenders that I have a recent late payment which will deny credit and or offer an high interest rate. 

I am demanding a complete removal of reporting from Equifax. The account was closed more than 7 years ago, and it was sold to fives years ago. I will take the removal as a fair exchange to stop legal consequences for Equifax action of continually validating and reporting incorrect data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I sent letters to all 3 credit bureaus including creditors about inquries that is on my credit report that I never applied for and I need them immediately removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XX/XX/XXXX, I called XXXX due to an account opened in my name through a Capitol One credit card, which I never opened. The account, according to XXXX, was opened in XXXX and was used through XXXX of XXXX. After that, who ever opened it, stopped making payments and leaving a balance of {$13000.00}. There were two addresses on my credit report that were not mine, possibly the credit statements were going to one of those addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have been in contact with a company through Captiol One who was working on this fraud and also Capitol One. I just received a letter from Capitol One with their belief that there research found no signs of fraud and will not release my name from this debt. 
I have never lived at those addresses and I never had a Capitol One credit card. The only way I think this happened is, I volunteered at a XXXX XXXX XXXX in XXXX Oklahoma and one of their employees added my name to a credit card and used it. It is the only connection I an make to this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: MT

Complaint narrative:
We received a notice on XX/XX/XXXX21 from American Coradius International LLC Dated XX/XX/XXXX21 stating they are collecting a debt to XXXX XXXX XXXX of {$210.00}. 

I called XXXX, XXXX on XXXX/XXXX/21 and verified that I have no negative balance in my accounts with them. The XXXX Representative said they do not use XXXX to collect debts and that this sounded like Fraud and that I should report this incident to the Authorities. 

I'm guessing I have become a victim of identity theft, or that XXXX is just a scam company. 

I will be calling XXXX on Monday XX/XX/XXXX21 to formerly dispute this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I filed for Covid loan forbearance regarding my XXXX XXXX backed mortgage online from my account on XX/XX/21. OnXXXX I called to check the status and was told they don't have record of my online request. I asked to file the request again manually thru the rep and was told I will receive documentation within two weeks. Its XX/XX/21 two weeks of business days have passed and I have not received any documents. I have called several times waiting for the docs to come and I was told I was approved. The problem I have is I don't have written proof and when I log onto my mortgage account online it says nothing about being in forbearance. I have asked to receive docs via email but was told to wait on the mail. This is my mortgage not something I take lightly It should only take a week for the docs to reach me. I have been waiting for 2 weeks now and need to see something in writing regarding forbearance from loss mitigation. Email would be perfect and instant and they also have a document tab on the XXXX website that I should be able to view and download documents from. I have registered, requested forbearance, and logged into this site but Ameris loss mitigation is saying they don't see my request. I am requesting immediate written proof regarding my covid forbearance request and approval for with my XXXX XXXX backed Mortgage via email or download on XXXX website. This is something that should be available to me as per the federal government and Ameris has verbally told me I was approved from XX/XX/21 to XX/XX/21. Also when I log into my regular mortgage there is no mention of the loan being in Covid forbearance. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: VA

Complaint narrative:
I was working with NACA for over ( XXXX current XXXX ) a year to acquire a mortgage loan. My mortgage counselor XXXX XXXX XXXX asked me if there was anyone I can add as a co-signer. When I told her I didnt want to add anyone else, she went through my income and saw my child support. My mortgage counselor XXXX XXXX, then began to continually ask me to put my XXXX XXXX on my mortgage application for income reasons. I qualify on my own as the sole borrower, and told her I was completely comfortable with the amount I qualified for and could afford with my income. I informed her multiple times that I am not comfortable reaching out to my XXXX XXXX, nor am I comfortable with having him on my mortgage. I informed her I wanted to be on my mortgage loan by myself. XXXX XXXX did not respect my feelings about the matter. She continually asked on multiple occasions to add him as a co signer, informing me that I would qualify for a much larger loan to get a bigger house by adding his income. She said she was trying to help me get a bigger house. I told her I could not afford to pay a larger mortgage on my own. I informed her I could only afford the amount I qualified for by myself. She still continued to push for me to add him fully aware that it would put me in a position to be struggling tremendously to make the mortgage payments that were out of my affordability. Also I have payed NACA multiple fees as well as monies to obtain a mortgage loan as well as to run my credit report. I did not receive one nor did I even come close to receiving one in the entire time I tried working with NACA.They advertise that they offer free mortgage loan assistance. This company has pulled my credit multiple times for no reason as well. Since I have reached out to her supervisor, she refuses to return my email or calls. My counselor has canceled multiple appointments without reason. This company is still taking money from my account and I am still unable to get in touch with my counselor. I have requested for a different mortgage counselor, and I have reached out to her supervisor in regards to this situation and have not received any response since reporting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have called TransUnion to get 5 items disputed off of my credit report ,4 XXXX XXXX  and 1 XXXX XXXX Co, I have mailed in dispute letters from XX/XX/XXXX to get these disputed off my credit by law!!!!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Co XX/XX/XXXX I did not give these Creditors Permission to pull my credit for Any reason ..... 

I have talked to these creditors and they agreed to have these deleted I called XXXX as well to get 4 items off my credit report XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I sent dispute letters and the credit bureaus claim they never received any letters that was sent

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 2021-12-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I put in a dispute with this company to notify them that they did not comply with federal law and I also notified them that I would be submitting a complaint to the CFPB, FTC, and attorney general in their state to my understanding this company had 15 day to respond to my CFPB complaint and this company has still failed to respond. This matter is not fair and It is causing me to be denied credit. XXXX XXXX is liable for any actual damages under 15 U.S. Code 1692k - Civil liability ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sent letters and paid in full receipts to XXXX XXXX no response in return within 30 days. I also sent letters to WELLS FARGO CARD SERVICE about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.

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 2021-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
We received a notice on XX/XX/21 from XXXX XXXX XXXX XXXX Dated XX/XX/21 stating they are collecting a debt to PayPal , Inc of {$210.00}. 

I called PayPal, Inc on XX/XX/21 and verified that I have no negative balance in my accounts with them. The PayPal Representative said they do not use XXXX to collect debts and that this sounded like Fraud and that I should report this incident to the Authorities. 

I'm guessing I have become a victim of identity theft, or that XXXX is just a scam company. 

I will be calling XXXX on Monday XX/XX/21 to formerly dispute this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Failed to validate my debt and violated my XXXX rights by disclosing my medical procedures that I was unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent letters and paid in full receipts to REGIONS BANK no response in return within 30 days. I also sent letters to XXXX XXXX XXXX XXXX about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.

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 2021-12-11 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I sent letters and paid in full receipts to XXXX XXXX no response in return within 30 days. I also sent letters to XXXX XXXX XXXX XXXX about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have called XXXX to get XXXX items disputed off of my credit report XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, I have mailed in dispute letters from XX/XX/XXXX to get these disputed off my credit by law!!!!! 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not give these Creditors Permission to pull my credit for Any reason ..... 

I have talked to these creditors and they agreed to have these deleted I called Equifax as well to get XXXX items off my credit report XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I sent dispute letters and the credit bureaus claim they never received any letters that was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
On XX/XX/2021 I sent letters to Hancock Whitney about wrong balnace reporting on my credit report. I have paid them in full and that should be reporting. unfortunetely its reporting that I owe {$340.00}. Thats inaccurate. I owe {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Once again we are harassed by the TD Bank and XXXX XXXX XXXX duo in that when we login in to XXXX there is no mention of the below NEW {$300.00} charge back, and even lists a NEW {$5000.00} charge back that we can not respond to. Please urgently advise, and TELL THEM TO get it together. In other news, THEIR FIXER CONTACT " XXXX XXXX '' never answers his phone when we call him back and leave a message. Please TELL THEM TO attend to this matter and fix, or we will have to file yet another series of complaints against TD BANK and XXXXl XXXX of XXXX XXXX Unit with the OCC, CFPB, XXXX, FTC and XXXX. PLEASE TELL THEM TO be guided accordingly, and take a personal interest in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MO

Complaint narrative:
Dear CFPB rep, I tried to rebuild my XXXX XXXX by starting a deposit secured credit card. By using the deposit secured card i didnt know if I used more than a certain percentage of my limit it would lower my score significantly which it did. I closed a Discover account that was my own money secured credit card on XX/XX/XXXX. At that time I was fully paid with zero balance. I received a statement early XXXX that reflected my deposit was repaid when in fact it was not. I contacted them and they said the check was sent and they would call me back with info. I requested they not cancel any check sent to me and to give it time to arrive by mail. It did finally arrive on XX/XX/XXXX. I deposited the check in my bank but now my bank has rejected the deposit as the check did not clear on Discovers end. Now at a critical time of personal liquidity issues, my Bank has taken away my {$200.00} as the Discover check was bad and charged me an additional {$15.00} fee. 
It took them over 2 months for them to send me my deposit back and have stopped payment or given me a bad check. 

Please help me get my money and punish Discover as this can not be legal. 
Very disappointed as the wolves are guarding the sheep. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC-BANK '' ( Call us immediately at ( XXXX ) XXXX ) XXXX - was sent as a text message to my phone. When I called the number the automotive voice said I needed to activate my card or it will close. I unfortunately answered all the questions such as my social, birthdate, card number, pin, as well as other pertinent information regarding my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax on XX/XX/2021 to verify my XXXX credit card accounts with XXXX XXXX is closed on my credit report. 
The supervisor confirmed my account is showing closed. 
I informed the supervisor at Equifax that XXXX is reporting the accounts to as open as of XX/XX/2021. 
She informed me to contact XXXX  to correct the issue because shes showing the creditor has reported the account as closed and that equifax is also showing the accounts as closed. 

I contacted XXXX and they informed me there is nothing they can do on their end. XXXX advised I get back with Equifax or the creditor to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax on XX/XX/2021 to verify my XXXX credit card accounts with XXXX XXXX is closed on my credit report. 
The supervisor confirmed my account is showing closed. 
I informed the supervisor at Equifax that XXXX is reporting the accounts to as open as of XX/XX/2021. 
She informed me to contact XXXX to correct the issue because shes showing the creditor has reported the account as closed and that equifax is also showing the accounts as closed. 

I contacted XXXX and they informed me there is nothing they can do on their end. XXXX advised I get back with Equifax or the creditor to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Today XX/XX/XXXX I had checked my credit report through credit wise. And I had noticed that on my report was a account through Wells Fargo bank stating on a charge account with a {$3800.00} credit limit. Account opened on XX/XX/XXXX. And highest balance reached was {$840.00} and account closed was XX/XX/XXXX. Which, I have NEVER had any accounts through Wells Fargo bank. But my father has, me and my father have the same name. I am XXXX XXXX XXXX and my father is XXXX XXXX XXXX my father did NOT commit a crime, but the companies have always reported it wrong. I contacted Wells Fargo this after noon of XXXX XXXX. And they stated we have no information on you or youre fathers name so I stated I will be filing a report on this. And so here I am. This is wrongfully on my credit report and I would like it removed as this violates FCRA -fair credit reporting act-. And after 60 days I do not get this account removed from my credit report and/or a letter in the mail stated this account has been removed by Wells Fargo , I will be contacting my lawyer. Thank you 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 explanation