vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: AR

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 15. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 20. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 21. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 22. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 24. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 25. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 26. XXXX XXXX A on XX/XX/XXXX ( Reported Identity Theft ) 27. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 28. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 29. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 30. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
An erroneous collection claim showed up on my credit report. I have no knowledge of this company nor the company they represent. I never received any bill or anything of the sort and have never done business with either company. I suspect fraud and already have a fraud alert placed with the credit bureaus.This false claim lowered my credit score by 100 points and directly affects my ability to refinance debt and save money for family expenses during the recent weather disaster in my area. 

PROFESSIONAL BUREAU OF C XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEVER DONE BUSINESS WITH THIS COMPANY : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CO

Complaint narrative:
To whom it may concern, I have sent two letters to each of the bureau which have not been responded to in over 60 days. I requested incorrect information be removed from my report. I also filed a CFPB complaint and the company has still not removed the information. This company is reporting fradulent and inaccurate information. 

Under the Fair Right Reporting Act, I have the right to dispute incomplete or inaccurate information. 

After reviewing my credit report. I feel i might be susceptible to identity fraud. The bureaus are reporting addresses that have never belonged to me. 

My one and only ADDRESS IS XXXX XXXX XXXX XXXX, XXXX Co, XXXX PLEAS REMOVE ALL OTHERS. They are undeliverable or fradulent. 

My one and only name is XXXX XXXX XXXX, please remove all others. 


My date of birth is XXXX, please remove all others. 

I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE I HAVE NEVER LIVED AT XXXX XXXX XXXX PLEASE REMOVE. 
I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE. 

I AM DEMANDING ALL FRADULENT INFORMATION BE REMOVED FROM MY REPORT. 

I have attached proof that incorrect information is being reported and i have also attached my social security card and a bank statement as identification and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This card was closed by me in XX/XX/XXXX ( to avoid hefty new annual fee ). I was still using the card in XX/XX/XXXX. On XX/XX/XXXX, I was advised a merchant was issuing 3 refunds totaling {$1100.00} back to the card due to COVID cancellation of an event I paid for with the card. I called Chase customer service on XX/XX/XXXX, who confirmed the refund back to the card would be received and I could access it. On XX/XX/XXXX, Chase advised they had " purged '' my account and would not receive the refund, I could no longer access statements, and I could no longer access XXXX Spending Reports for tax purposes, which was a substantial benefit of this account. Chase advised that the {$1100.00} refund would be returned to the merchant, which could take another 30 days. Chase 's own policy is not to purge until an account has been closed for six months or longer with a zero balance. Chase has no explanation as to why I was misinformed on XX/XX/XXXX, or why my account was cherry-picked by Chase for purging only three months after it was closed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: KS

Complaint narrative:
On XX/XX/2021, I received an unsolicited letter in the mail at my home address from " MoneyLion ''. The envelope flap was sealed poorly and easily opened, it contains a MasterCard debit card in my name and a " Welcome to XXXX '' single page promo. On back of the page is a " Direct Depost Form '' with a deposit account number and routing number for an account with " XXXX XXXX XXXX Account ) '' with a signature field, that can be detached. I believe this account was opened in my name against the Law, since I have no prior business relationship with either MoneyLion or XXXX and never applied to open deposit or credit accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
The debt collector, XXXX XXXX XXXX XXXX  representing LVNV Funding XXXX XXXX XXXX XXXX XXXX has failed to offer adequate customer support for the last 6 months. I have tried repeatedly to call the office at : XXXX and XXXX, extension XXXX and no one ever answers the phone. I have attempted calling them over 10 times since XXXX, XXXX, waiting for a total of many hours for a live operator to notify them that as a result of COVID and the lockdowns my income was significantly less since XXXX, XXXX and I was unable to pay my agreed upon payment plans. I was on NJ state unemployment from XX/XX/XXXX to XXXX, XXXX. 

Over the last 2 weeks, I have received court judgements against me and threats of garnishment of wages. 

I am attaching the judgements and wage garnishment documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Was billed before I ever got the card or a bill in the mail. Paid balance in full same day. Was charged ~ {$30.00} late fee. Took two attempts and two weeks to get someone to actually reverse the charges like they said they would. Did not remove it from the billing cycle so it flagged my account as late the following month. I did not use the card that month so it was a zero balance. They " paused '' the card because we were a day late paying zero on our zero balance. That left us at the grocery counter not being able to use our back up card. There solution was to cut me off on the phone and tell me to be quiet while they read the transcripts of all our correspondence,, and them to smugly ask what they problem was and if I wanted to set up a payment for the following g month to unfreeze the card ... really??? Bottom line is they predators and should be avoided at all costs. They charge {$30.00} if you do not pay on the date specified and freeze your card, no grace period, they do not communicate, and the XXXX  supervisor is an arrogant, nasty person with no business talking to customers. We canceled our account and cut up the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: OR

Complaint narrative:
I hve disputed an unknown debt by a XXXX XXXX XXXX. It was removed three seperate times, after disputing the account. And each time they reintroduce the debt anew and it keeps lowering my credit score, all while I'm desperately and slowly making efforts to increase my score. I am even currently partnered with state vocational rehabilitation and they are working with me in all ways to improve my credit so I can become self employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
in my XXXX  report it says I opened a XXXX account on XXXX XXXX at that time I was an account holder with XXXX then later switched to XXXX. This XXXX  account has absolutely nothing to do with me. somebody clearly used my SSC or whatever to get an account. FRAUD.

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 2021-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I am distressed that I am having to file a complaint since my consumer rights have clearly been violated. Speedy Cash has been sending me collection notices in the amount of {$1200.00}, the collection has been reported as past due balance. I do not know this company. This Company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
Repeated robo calls attempting to collect a debt for someone we don't know. We haven't answered because we were told that if we did, we'd just get more calls. They identify themselves as Concord Servicing caller ID ( XXXX XXXX XXXX. 

My husband recently had a XXXX XXXX and is recovering at home. This company is calling at XXXXXX/XX/XXXXon the dot. Waking him up. 

We have started unplugging our phone, what else can we do?

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 2021-02-27 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: Allied Collection Services, Inc. (Nevada)
State: PA

Complaint narrative:
I have desputed this item with the collector multiple time and have tried to remedy this multiple times. Please provide the following information. Please send me a copy of the contract with my valid wet signature. Please send me proof of the calculation of the amount of which they say I owe as well as all payments leading up to the amount of which they state that I owe ( the XXXX which is stated that i owed on XX/XX/XXXX ). Please provide documentation of paper work that has my valid wet signature showing that I agreed to pay this amount ( XXXX ) with the debt collector. Please provid me with the license number and registered agent or agents of service. Also provide a validated signature on documentation that has the same name on the account as is my complete legal name. The collection agency is reporting many things incorrectly on my credit report and it is affecting me personally. I have documentation that many things that are being reported have been back dated, not represented correctly, reported incorectly and illegally. I am still recieveing a bill from the original creditor and the original creditor has added on new charges to the account since the amount that was due on XX/XX/XXXX and was put into collections on XX/XX/XXXX which in and of itself is wrong. Please remedy this and remove it from my credit report this is really unfair, unjust, and preditory practices.

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 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date Applied : XX/XX/XXXX Promotional Bonus : {$1000.00} cashback after {$4000.00} in 3 months ( promo was pulled back on XX/XX/XXXX ) I applied to BBVA XXXX credit card on XXXX but it took 60 days for them to tell me that BBVA made a procedural error and my application was canceled. I was initially told that it will take 5~7 business days to get the decision. I kept calling BBVA multiple times to follow up with my application status after the waiting period passed but the bank kept telling me it is pending due to heavy volume of application. In the meantime, other applicants heard back within 10 days. 4 weeks later, I called the banker that I worked with and he requested for my DL and SSN since bank had to verify my information. I sent the documents on XXXX but received no call back until I called the banker back on XXXX. He said my application was canceled not due to my credit history but because of BBVA 's procedural error. One of the departments claimed that they did not receive my DL and SSN. The banker admitted that it was BBVA 's fault so told he would contact his credit specialist to reconsider my application but no call from him for 3 weeks. The application left a hard inquiry on my credit history but BBVA has not fulfilled its part as a credit card issuer for making procedural error. 
I filed complaint through BBB but BBVA 's response was my application date is XX/XX/XXXX which I never would have applied since the promotional offer had been expired at that time. BBVA claimed it sent a letter regarding the denial but I did not receive anything. There is literally zero communication with the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: GA

Complaint narrative:
There are XXXX accounts that were opened fraudulently on all three bureau 's. XXXX XXXX. Transunion, XXXX  XXXX  XXXX XXXX, It was opened on XX/XX/XXXX reporting a $ XXXX limit, XXXX XXXX XXXX It was opened on XXXX/XXXX XXXX a {$520.00} limit loan, XXXX XXXX. It was opened on XX/XX/XXXX reporting a {$56.00} balance, I did not open these accounts, I did not sign my name on any of these accounts. I do not know who stole my identity to open these accounts, I previously disputed these accounts with all 3 bureaus, they have refused to take action to remove these XXXX accounts, nor have they provided me with any documentation verifying how they came to the conclusion that these accounts belong to me. They never said what person verified these accounts, they never presented any documents bearing my signature. Fair Credit Act Law states that they must verify, and provide evidence backing how and who verified the accounts. Once again I haven't received any such documents. I also provided a Ftc Identity Theft Report to back my claims.

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 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OR

Complaint narrative:
The closing of our refinance with Amerisave happened on Friday, XX/XX/2021. We were supposed to have received payment by Thursday, XX/XX/2021. Amerisave has not paid the " cash to borrower '' or the other bills included in the agreement including the previous bank that the house loan is with. We have called and called and finally the originator service person called us back on Tuesday, XX/XX/2021 telling us that he had called the XXXX XXXX XXXX and they should be contacting us. This originator person ( XXXX XXXX said he would call us before the end of day. 

We have not heard from anyone and I will need to pay all the bills that the mortgage institution should have paid by now so I will not be late. With the way we have been treated, I am concerned about getiting reimbursed for paying the bills. 

The amount owed in cash to us is {$41000.00}. This greatly concerns us and has caused us much emotional strain.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27 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: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Mr Cooper mortgage reported a 30 days late for XX/XX/2020 when it wasn't 30 days late. I contacted Customer Service and spoke with XXXX XXXX and he agreed it was not 30 days late and said he would file an investigation. This falls under the CARES Act of XX/XX/2020 as it relates to Covid19 and not report late payments on top of it not being 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Hello I open a account with chase bank this month of XX/XX/2021 the account was a checking the location was XXXX XXXX and XXXX XXXX somebody close the account not from the bank they said no reason was giving why it was did I will submit my checking account number to you and routing number plus my debit card to you and a index card of the person name and bank and address I had to activate the card and I did that but no pin number I was able to activate I will photo copy all that information to you by Monday XX/XX/2021 from my phone I will like to keep my account the same checking and routing along with my debit card number I just need a pin number so I can deposit my social security check in my account by atm or teller no mobile I shown the bank my check they said every thing seem ok and I am going to send you some XXXX XXXX checks I deposit and they do not want to return my money back to me I am going to submit photo copies of those check receipts to you as well because I sign the back of the check and put my account number checking and routing on the back what I will do with them at chase bank I use a address.from newyork when I open the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a mailing address po box XXXX XXXX newyork XXXX where my mail go to up their I did not use XXXX XXXX XXXX XXXX XXXX XXXX n.c. because I north carolina address expire and have not renew them yet because of the coronervirus pandemic I will photo copy my address as well in newyork and northcarolina my social security checks have the address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on the checks can you reply back to me by mail or text because I do not get your response back to me by email or XXXX that is it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
I have called several times. Sent e mails and got one call back. I missed it she left a callback number and I tried to call the person over 20 times left messages every time and never got a call back or a response.

I was going through consumer credit counseling and had paid all my debts but the last one. One of the previous three was a USAA personal loan which they settled no problem. The last was USAA credit card and on XX/XX/2018 they FORGAVE the debt and sent me a 1099 which I had to report on my taxes as income,. Now they are reporting it as a debt that was not collectable on my credit report and they are dinging me every month for a late payment when they forgave the debt.

USAA also sent me a bill three years after I had gotten an auto quote with them and said I had a policy I never paid. I never took out a policy because they were a lot higher than the company I eventually went with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I pulled a copy of my credit report and seen some account that are not mines and I need them removed and I have several accounts that are inaccurate information I have provided a Federal Trade Commission report in the documents for identity theft. These companies i have never done business with. They need to be removed please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation