vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXXBANK/XXXX  XXXX, XXXX  XXXX BANK XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining accounts that need to be removed from my credit report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late Close XXXX  XXXX XXXX {$0.00} Charge Off XXXX XXXX {$2900.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/2021 XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$2300.00}

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 non-monetary relief
Consumer complaint received 2021-12-08 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: NJ

Complaint narrative:
I noticed multiple accounts and inquiries on my report that I do not recognize

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 2021-12-08 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: NJ

Complaint narrative:
I noticed multiple accounts and inquiries on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XXXX the XXXX I made a dispute with well Fargo well Fargo have not take my claim seriously and denied it they adamant that the claim was use with knowledge of the account but like I told them then debit card was stolen and they keep on playing around and denied I gave them dates when I was in the hospital to conclude that it wasnt me 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
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
XXXX XX/XX/2023, I sent two certified mails to Convergent Outsourcing INC requesting a debt validation in regards of Debt {$200.00} reported to XXXX, XXXX, and XXXX. Prior to this I have never spoken to a XXXX from this company. 
As of XXXX XXXX, I have yet received my debt validation letter from this company. I have disputes this account several times. XXXX removed and XXXX has remove this account off my account but XXXX stated the company provided proof I owe them debt. 

Which I find hard to believe because I have not received a debt validation letter. 

This company is reporting this debt as a loan on my credit report and I never agreed to loan. 

When I called the company from my cell phone, it automatic transfer me to department without me stating my reason for calling. I was calling to verified their address prior to sending the certified mail and the lady kept trying to get me to update my account information. Which is weird because I don't have account with this company.

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 2021-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Loan officer XXXX XXXX, XXXX # XXXX, instigated a loan application with Loan Depot on XX/XX/XXXX, loan number XXXX. We did not request a new loan. We already have a loan with Loan Depot and are satisfied with the 2.75 % rate. I did not respond to the loan application. On XX/XX/XXXX we received a notice that our application for a loan was refused. It was titled an " Adverse Action Notification ''. In the notification it said the reason that our application was turned down was because of our credit rating of XXXX. Remember that we didn't apply for a loan. Today, XX/XX/XXXX, our credit rating is XXXX. Its obvious that because of this so called loan application refusal our credit rating has been severely damaged. Also, in the future, if we find it necessary to apply for a loan we will have to answer that we have been refused a prior loan application. I believe XXXX XXXX saw a prior request from XXXX asking for information about mortgage rates. That prior interest was dropped because the cost to refi was too high. I believe he was fishing and when he received no response we received the Adverse Action Notification that has permanently damaged our credit rating and our potential for obtaining a mortgage in the future. I believe XXXX XXXX 's actions were completely un-ethical. Also the Adverse Action Notification should be removed from our financial history and our credit history should be returned to it's deserved rating. XXXX XXXX, at the least, should be reprimanded and be put on watch to be sure he doesn't scam another person. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Applied for an FHA Mortgage with Rocket Mortgage and asked multiple times for a Loan Estimate from them. Was provided with screenshots and a Loan Summary that was missing information to compare loans. 

Lender is not upfront about the origination charges =, interest rate or APR. There is no way to mortgage shop with the information given. Lender also pulled my credit. Now I have an additional Credit inquiry but no information about the loan details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CCS collections has inserted an incorrect account across all three credit bureaus. This account was closed at my request by the creditor because it was taken out by my ex-husband, XXXX XXXX, while we were going through our divorce along with a car note that I took responsibility for. At that time I was in a XXXX facility with a XXXX XXXX XXXX XXXX XXXX. This policy that they are claiming was taken out by me was not and it has caused an extreme hardship to my family as we are in the midst of a mortgage approval. I offered to pay the company to remove this collection from my credit report because I figured it was the fastest option as I am in the midst of a mortgage approval that they have now caused to be denied. If this matter is not resolved and removed from my credit report I will file an FTC report along with retaining a consumer finance attorney seeking this company to cover the cost of my mortgage approval that was denied XX/XX/XXXX because of inaccurate credit reporting that has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was contact by XXXX XXXX stating they are handling a debt owed to PAYPAL and the name on the account is XXXX XXXX. I have a PAYPAL account, but it is linked to my personal bank card as I have never applied for credit through PAYPAL. i contacted PAYPAL and they stated my account is good standing. I informed XXXX XXXX and I asked them to provide any information they have to substantiate who the debt belongs to. To date they have failed to provide any additional information regarding the debt. I have sent them XXXX emails, XXXX included an Affidavit of XXXX, I have called them twice to obtain additional information but they have not providing any documentation to substantiate the debt. I have requested they stop contacting me. I conducted a XXXX search and there are XXXX individuals in California with the same name. I believe someone with a similar name opened the account or used XXXX name to open the account. I have express this to XXXX XXXX but they do not seem to care. They are continuing to harass me everyday and have not provided any additional information. I want them to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I have written XXXX about a collection on my report. They have done nothing to resolve the issue on over a year! I AM SICK OF IT!!!! Don't know this company! Never heard of them! All the other credit agencies have done the proper investigation and have removed it, but XXXX continues to have it cause my credit to suffer!!! I have all my certified mailings in regards to this request if needed.

ALLIED COLLECTION SVCS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021, I attempted to access my Chase Mortgage account online. I was interested in refinancing and wanted to pull my last account statement and request a pay off quote. When I tried to log in, I couldn't remember my password and attempted to reset it. A message appeared that my account was locked and I must call XXXX to have it unlocked. 

On XX/XX/2021, I attempted to reset my password again. I received the same message and called the number above around XXXX XXXX.. I selected the option for a call back. After receiving a call back, I was transferred multiple times, disconnected, placed on hold, etc. I called back in several times and was unable to have someone unlock my online account. It is now XXXX XXXX, and I am still on hold to have someone unlock my account. 

It appears that Chase Mortgage is not adequately staffed to assist consumers with online account lockouts and resets. Also, I'm concerned that they are preventing access to the documents I need in order to retain my mortgage and prevent refinancing with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: GA

Complaint narrative:
I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX, to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from my 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 2021-12-08 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On XXXX occasions on XX/XX/2021 and XXXX I sent certified mail a letter to XXXX, XXXX and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section XXXX ( a ) ( XXXX ) ( A ) that you are required by federal law to verify and additionally I am to XXXX permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost 9 months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts

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 2021-12-08 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: PA

Complaint narrative:
I contacted XXXX XXXX XXXX about a pre-approval for a XXXX XXXX XXXX. My application was rejected which is OK but they listed the reason that my credit card application was denied as " XXXX XXXX : XXXX - via XXXX, XXXX, and Experian. '' I called Customer Service and they confirmed that they information that they received was from those XXXX credit agencies and that it was coming back as a XXXX. According to my credit reports and memberships- Experian is a XXXX, XXXX is a XXXX, and XXXX is a XXXX as of today XX/XX/XXXX. I'm not sure what is going on but this is potentially the reason why I've been getting denied for various housing applications for the past couple months.

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 2021-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX of XXXX I refinanced a XXXX XXXX XXXX. I was using XXXX XXXX and had gotten a better rate from Capital One so decided to make the switch. About 6 months ago the car was totaled so we started the process of getting our payout as Capitol One owed us about {$4500.00} due to the car being worth more then our loan amount. I was working with my insurance company ( XXXX ) to get the payout but the day the agent was coming by to give me the check she said there was a problem with the bank, meaning Capitol One. We had a rental but that was limited to 30 days so at the end of that I needed to empty my saving account to buy my wife a car in cash. Come to find out Capital One had never received the perfected title because they failed to submit documents. I have called them every week for these 6 months now to see if there is anything they need to make sure we can get this issue resolved. They are quite incompetent because every time I call the person says they will send and email to the back people to see what the holdup is but nothing ever comes of it and I just end up calling the week after to get the same response. They forgot basic paperwork that is needed to register a car in their name. Once they forgot the Title Application, then they forgot to get the old registration from me before submitting paperwork. They tried getting a release of lien and failed at that so I stepped up and called my old lender to get things sorted. They were able to provide a release of lien but then it was back to Capitol One. Most recently I submitted a document and have been waiting 4 weeks for them to resubmit the document 's to the XXXX but I am always told they are in " review '' even though it is simply an old registration. At this point Capitol One owes me over {$6000.00} as I have still needed to make payments on the car. I am here to try and get them moving because I could really use that money and I feel they are either ignoring my case or are just that bad at their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Made local state gov check deposit on XXXX and placing a 4 day hold, check is less than XXXX and I have been with this bank for several months. I feel like am being target due my XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XX/XX/2021 XX/XX/2021 {$2.00} INTEREST CHARGE PURCHASE XX/XX/2021 XX/XX/2021 {$40.00} LATE PAYMENT CHARGE XX/XX/2021 XX/XX/2021 {$99.00} ANNUAL FEE destiny credit card company charged me all the above fees, i never used this card after last payment i requested to close the card and now it is messing is up my credit score and when i called to close my card and to clear my charges. the company is not helping out its really a big SCAM going on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: NJ

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

Company response to consumer: Closed with explanation