vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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: DISCOVER BANK
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I XXXX XXXX, consumer, and original creditor, sent ONEMAIN FINANCIAL an affidavit of truth stating violations that where taken place by them regarding my consumer report. ONEMAIN FINANCIAL is in. violation of 15USC 1681a ( 2 ) ( A ) ( i ) for reporting transactions or experiences between the consumer and the person making the report is EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1681a ( 2 ) ( A ) ( iii ) as I was not given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. ONEMAIN FINANCIAL is also in violation of 15USC 1681 ( 2 ) ( B ) as any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is also to be EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1611 for criminal liability for willful and knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
to whom it may concern, i am writing you about my XXXX XXXX i have had since XX/XX/XXXX. Over the past 6 years I have always paid on time and build a solid reputation with XXXX A while back i got with a late free XX/XX/XXXX. I had got XXXX to agree to remove to all credit reporting agencies so that payment history should be 100 %. I will send you a picture of XXXX which was only fixed and you will see there is no late fee but for whatever odd reason transunion has still updated. I have called a few times with mixed answers. Under fair credit reporting act this should have been taken off years ago.

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 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
I keep receiving harrassing phone calls from a mortgage lender Homepoint about late payment on a mortgage they just bought of mine, no payments have ever been late, it is setup for autodraft from there own website portal. 


NMLS ID : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX C/O Licensing XXXX, IN XXXX Phone : XXXX Toll-Free Number : XXXX Fax : Not provided Website : XXXX Email : XXXX Other Trade Names More Info : Home Point Financial ; homepoint Prior Other Trade Names More Info : XXXX XXXX ; XXXX XXXX XXXX ; Maverick Funding Corp. ( legal name ) ; XXXX XXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX Names More Info : Maverick Funding Corp ; Maverick Funding Corp . 
Sponsored MLOs More Info : 150

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted extensive COVID-19 Medical Documentation and documentation of XXXX from the XXXX XXXX  XXXX XXXX XXXX XXXX, as I am a federally XXXX employee from the XXXX XXXX of XXXX XXXX. These payments were on deferral during a 2 month period. However, Experian and the credit card company refuses to recognize the documentation.

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 2021-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
You closed my account back in XXXX because you learned that I had felony convictions. I simply want to know how you learned of this info since these things are not found in credit reports. Even you say I'm credit worthy so I want to know why you would need to investigate my background. Just looking for some clarity here on how you got it and why it matters to your company. I want copies of the documents used to discover this and make this decision.. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Quicken Loans contacted me regarding a refinance. We recently ( 8 months ago ) did a refi. When they called initially I thought they were calling because we recently changed our insurance carrier. The Loan Officer did ask to verify my identity by confirming my last 4 and dob but not once did he advise or did I specifically authorize they pull me and my wifes credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: IL

Complaint narrative:
Regarding Account # XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, Experian responded regarding a previous complaint with the CFPB that there is an unauthorized third party which is false. On XX/XX/XXXX, I settled with XXXX XXXX XXXX regarding the XXXX XXXX XXXX XXXX Account for {$150.00}. 

The account is paid in full and is closed. The charge off for XXXX  XXXX XXXX XXXX was not updated when I reviewed my Experian Credit Report in XXXX of XXXX. XXXX has removed this account in its entirety and XXXX  is currently under dispute. 

I contacted Experian on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. Experian sent me an alert on XX/XX/XXXX informing me that XXXX XXXX has sent information stating that the account is a chargeoff and it will not be updated. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I spoke with a representative on XX/XX/XXXX from Experian and they stated that they are unable to update the chargeoff as Paid. Again, l have attached the XXXX XXXX Letter for payment, Settlement Letter from XXXX XXXX XXXX, and a Receipt to USPS for your review.

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 2021-07-09 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to close my Wells Fargo checking account on XX/XX/2021. I went to my local Wells Fargo branch in person and told them I wanted to close my account. I was told that I had to make an appointment with a banker to close my checking account and that a teller was unable to do it, but the teller offered to let me withdraw my funds and told me I could call the number on my card to close my account. I withdrew my funds and called the number and was told that I could not close my account because of a pending transaction, which was the transaction of me at the bank withdrawing the money from my account. They told me to call again later. I called again today, XX/XX/2021, and they have charged me a {$10.00} fee for having low funds in my account on XX/XX/XXXX because I took the money out of my account. The bank does not want to let me close my account until this is resolved. The service fee is a result of the bank not letting me close my account after 2 requests and is unacceptable. It is not the amount that is the 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 monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
XXXX is unable to resolve a money transfer that fraudulent. Having a XXXX XXXX XXXX XXXX, a securities license, and having been in banking myself, I am aware of that kind of cash transfer app is an extreme danger to the consumer as many people might have families and outstanding obligations and are taken advantage of such as myself. 

Neither XXXX or Schwab Bank has refunded my money and they seemingly release themselves from any indemnity by providing cloudy details. Has transparency and financial protection disappeared altogether?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
My account was included in bankruptcy but Comenity Bank failed to adhere to the court and sold my account to XXXX XXXX I would for Comenity Bank to update my file and delete the account off my credit report due to lack of verification on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
back in XX/XX/XXXX i looked at my credit report and saw a account that did not belong to me i sent the credit bureaus the information the the account was not mine the did not reply the account was from XXXX XXXX, XXXX XXXX in the amount of XXXX on XX/XX/XXXX i was in XXXX at the time the account was open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I have used the mail and multiple fax requests for Hyundai Motor Finance to transfer a record of my title to my new state of residence and despite following their procedure and several weeks of phone calls they are not doing so. 

I believe they have either lost my title or have some other reason to deny compliance with my request. It is preventing me from registering my car. 

I have called nearly twice per week for a month and been unable to resolve this.

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 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
Phoenix Financial service on XXXX XXXX NY, NY says that I have a derogatory account with them for {$460.00} and theyre a debt collection agency. I was told that it was for a XXXX XXXX XXXX XXXX in XXXX, GA for an ER visit XX/XX/2016. I didnt recall and called the hospital myself and the operator told me that there was no record of me in the system. This derogatory account is affecting my credit negatively. After the call to the hospital, I called Phoenix Financial Service back and no one would stay on the line and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: N26 Inc.
State: CA

Complaint narrative:
All of my funds were locked for a security validation. I have spent 2 weeks trying to submit my ID to this bank and they told me they closed my account and mailed me the check I just called and I was told my account was never closed. THEY ARE STEALING MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-09 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: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation