vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IAM A VICTIM OF IDENTITY THEFT, PLEASE INVESTIGATE AND REMOVE FROM MY REPORT. 30 DAYS HAS PASSED. 

XXXX XXXX ACCT # XXXX RECEIPTS SLIPS 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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
XXXX I saw that CHRYSLER CAPITAL was still reporting a derogatory mark on my credit report per XXXX XXXX XXXX XXXX Upon further research, this account was transferredXXXXsold and I am no longer responsible for the account, debtorXXXXcreditor did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. 

According to the FCRA XXXX collector name XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. I was a victim of identity theft and have submitted my information to the company several times in order to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: FL

Complaint narrative:
I have financed the car with XXXX XXXX XXXXXXXX XXXX. PAID IN FULL FOR THE CAR!! 
never late, it was reported to the credit agencies, WRONG, as " CHARGE OFF, ACCOUNT CLOSED. 

THIS IS INACCURATE INFORMATION, several letters was sent, to request to correct this wrong information.the last letter was sent on XX/XX/2021.

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 2021-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
LGM has repeatedly threatened legal action, and harassed us and our family members for payment of a vehicle that we have asked them to pick up for years. This vehicle was illegally approved for us as we had just filed bankruptcy when the car was purchased. We were talked into this by a reputable car dealer and only after we signed papers did we realize that we didnt buy the car from the dealer but from a third party car place. 

We have lived in the same home since XXXX and have never received any mail from them whatsoever. They claim they have sued us for the vehicle and say we are committing a crime. We have told them the vehicle is at our home and please take it. It hasnt moved from our address since we moved to this area. The car was eventually picked up and just now they are reporting to the credit bureau that we owe more than the car was purchased for. We have been denied a home because this showed on the report. And due to covid we need to relocate our family as we only have one income now. We have been given until XX/XX/XXXX to move and cant be approved because this has just now been added to our credit report. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I was scammed by a person from XXXX I tried to buy a XXXX XXXX and he told me the price and showed invalid proof that he was not a scam so I sent him the money which he ended up being a scam because he told me that I would get an email to confirm that the XXXX would be sent and once I messaged him back to tell him that I did not get the email he blocked me so I contacted cashapp to try to get my money back and they told me since it was a cash transaction that I cant get my money back but I have all the proof to show that it was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Comenity Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Comenity Bank please take leniency on my hardship and remove any XXXX  lates as a onetime goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 at XXXX I made a payment of {$1300.00} cash towards my Bank of America credit card at an ATM located in the XXXX XXXX XXXX XXXX Bank of America branch. At the time the branch manager did not allow me to pay with the teller due to COVID 19 restrictions. My payment was never processed and Bank of America did not return {$1300.00}. I contacted Bank of America on XX/XX/2021 after this incident occurred and over the next months via phone, and I also faxed a copy of the original ATM receipt to XXXX XXXX. To this day, I have not received a check of {$1300.00} or a statement credit towards my 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 monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
This compliant is filed against NewRez LLC XXXX # XXXX My husband and I applied to refinance our mortgage on Mon XX/XX/XXXX with NewRez our current lender and at this time Thur XX/XX/XXXX we are still waiting to hear on a closing date. The loan processor and the Loan officer have been unresponsive to phone calls and emails. 

There have been a number of staff requesting paperwork and with closing date being pushed from one month XXXX XXXX XXXX to the next and now there is no ETA at all. On their online customer platform XXXX ' there is still 1 open item dates back to XX/XX/XXXX asking for paperwork that have already been provided twice. 

Our loan application seem shuffled or lost in the pile. Manager should perform review of the work ; to control volume and aging populations. We also sent email and call to the Loan Manager and still no reply. There should be a special task force to drive aged applications to completion. Unprofessional work ethics. It is unacceptable to long this long, 9 months! 

I asked in my emails and calls : -what is still pending -close date -how to withdraw application Nothing. 

Loan Officer : XXXX XXXX - XXXX XXXX XXXX ) XXXX XXXX : XXXX XXXX - XXXX XXXX XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I started the refinance process with Wells Fargo on XX/XX/XXXX. The loan is currently with Wells Fargo and has been with Wells Fargo since XXXX when the home was initially purchased.. The equity in the home is about {$550000.00}. I was refinancing for a lower interest rate without any cash being taken from the equity. I submitted all W-2s, paystubs, and tax documents that were requested and required on XX/XX/XXXX and XX/XX/XXXX. Wells Fargo pulled the credit report on XX/XX/XXXX. At that time our credit scores were XXXX each. Wells Fargo informed me that an appraisal would be needed. I questioned the need for the appraisal since they had the existing loan and knew that the equity in the home was greater than the outstanding loan. However, they insisted the appraisal was required. Again the loan process started on XX/XX/XXXX and all required documents were submitted within the first two days. The appraisal which cost me {$500.00} upfront was completed on XX/XX/XXXX, and I was contacted by Wells Fargo on XX/XX/XXXX that the appraisal value had been submitted to them. The appraisal was inline with the value I had given to Wells Fargo initially when completing the loan. After the appraisal the communication with Wells Fargo was sporadic. I spoke to the loan processor in on XX/XX/XXXX and was informed that there were underwriting concerns regarding income to debt. The income to debt information was available on XX/XX/XXXX and XX/XX/XXXX when the information was submitted via the loan application process. Nothing was going to change after that. On XX/XX/XXXX. I sent an email to get the status of the loan process. I received a response that underwriting did not approve the loan. I informed the processor that I had not received any documentation or communication from Wells Fargo regarding the loan declination and requested a copy of the letter. On XX/XX/XXXX I was informed that I would receive the declination letter from Wells Fargo. As of XX/XX/XXXX, I have not received any documentation from Wells Fargo regarding the loan and why it was not approved. I have since refinanced and closed with a different company and incurred and additional {$600.00} appraisal expense.

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 2021-05-20 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have information to rectify my dispute from the creditor but Experian and XXXX XXXX has blocked my account when trying to file a dispute online. It states it has a problem accessing my credit file. Yet, I can login and review my report but when it comes to the dispute, Experian cant access my credit file and XXXX  keeps suspending my account because I have been disputing this account religiously. Im pretty sure if the shoes were on the other foot they would be doing the same for inaccurate reporting on their account over 2 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 non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I sent them several certified letters and they have not respond to any of them! To verify my account and show record that they have a right to collect. I sent them a letter not to call anymore and you can see they did start to email me and I responded in a timely fashion to them and they have not responded to me in like manner. They trying to collect for XXXX and this is clearly out of time And I've responded to every letter they've sent. Unfortunately I have already filed letters of XXXX filed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I reported to my bank that someone had gotten my bank info and I recently cancelled my debit card because of fraudulent activity going on. Everything was okay until 2 days ago. I went to the bank to withdraw from my account and I noticed that there was a preauthorized debit transaction of {$1400.00} on my account that I didnt authorize. I did not have my new debit card at the time neither. I filed a claim with the bank and they said it will take up to 10 business days to figure it out. I have had my claims rejected in the past and they seem to not take it seriously. Im not sure where this transaction came from or who may have my information but I am very concerned about not getting my money back as this is the only account I have with Citizens bank and all my funds were stolen from my account. I want to take serious action and I also filed a police report and told the bank to put the report number in my case file so that whoever may be investigating my claim, can understand that this was most definitely not me and I have no idea why that amount of money was able to be taken from my account especially when I have no active debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Based on payment of credit cards recently, XXXX and experian should update credit score to more than XXXX as XXXX did it to support middle class family and children XXXX XXXX and experian are slow to update, it can bother peopleslife

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 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have information to rectify my dispute from the creditor but XXXX and trans union has blocked my account when trying to file a dispute online. It states it has a problem accessing my credit file. Yet, I can login and review my report but when it comes to the dispute, XXXX cant access my credit file and transunion keeps suspending my account because I have been disputing this account religiously. Im pretty sure if the shoes were on the other foot they would be doing the same for inaccurate reporting on their account over 2 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 non-monetary relief
Consumer complaint received 2021-05-20 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: MO

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: United Collection Bureau, Inc.
State: FL

Complaint narrative:
United Collection Bureau ( XXXX ) XXXX is reporting a collection amount of {$310.00} Account # XXXX which they are indicating they transferred to XXXX, XXXX, and XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX and can not update my credit report. I contacted XXXX, XXXX, XXXX XXXX XXXX and paid the {$310.00} File No XXXX, but they are stating that United Collection Bureau still has my file and has to update my credit report. Soo..I called United Collection Bureau and they stated that I no longer have an account there, have no record of me paying it off, and can not update my credit. I have attached my credit report showing the collection from United Collection Bureau and the receipt from XXXX, XXXX, and XXXX. Few things 1. Why is United Collection Bureau reporting a collection amount of {$310.00} when they state they don't have an account for me? 2. Was it incorrect of me to pay XXXX, XXXX, XXXX XXXX? 3. How do I get this removed from my credit ( either completely or as paid )?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: LendingPoint Holdings LLC
State: MI

Complaint narrative:
A loan was fraudulently obtained in my name from Lending Point LLC.in the amount of {$10000.00}. The proceeds were deposited in my Business checking account. I knew the perpetrator, he was an attorney from XXXX, Africa staying in New York during the pandemic. He told me that it was his personal loan, and since he was not a USA resident he did not have a bank account. I sent the funds to a third party, after he signed a letter of explanation to me stating the funds were his and they were not illegally obtained. 
I realized the fraud when I received an automatic interest payment from my business account. I reversed the payment and declared a fraud account. Lending Point has denied my request to classify the loan as fraud. I have filed a police report detailing the fraud activity.

I have cooperated with Lending Point LLC. The loan was obtained online, also to include a telephone interview on a recorded line. Lending Point admitted they know the persons voice taking out the loan was not my voice, they were different. It was their lack of oversight and overzealous desire to make a loan that lead to this activity, they should admit their mistake and charge the perpetrator accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: MO

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX  as well as the bureaus to remove these lates however, I have not been successful.

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 2021-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
The debit card that on file was stolen and by the time i got it fixed the account went into collections. Tried to fix it but the people told me i was no longer able to do business with them anymore XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I entered a consumer credit transaction with the alledged original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. A third party IC SYSYEMS are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. IC SYSTEMS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

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