vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The company, National Credit Adjusters, purchased a debt from XXXX XXXX after I was able to successfully dispute the account and had it removed because I am a victim of identity theft. The company changed the dollar amount the account number and added it back to my credit report, which are violations under the FCRA.I have contacted them on the following dates occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and have not received a response to my debt validation letter requests, which I have a right to request Fair Credit Reporting Act, Section 609. This debt is not mine, I have not applied for and loans from XXXX XXXX, the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They forced closed my account supposedly in XXXX but cant give me reason to a debit with withdrawal for XXXX from XX/XX/XXXX First they said it was the irs who took it back Now they dint know and its was a long time 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 monetary relief
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc.
State: NH

Complaint narrative:
MY NAME IS XXXX XXXX AND I OPENED AN ACCOUNT WITH BINANCE.US ( ACCOUNT # XXXX ) 6 MONTHS AGO AND HAD NO ISSUE WITH TRADING UNTIL APPROXIMATELY XX/XX/2021 I SUDDENLY WAS BLOCKED " PENDING VERIFICATION ''. I HAVE SUBMITTED FOR 2 WEEKS NOW 3-4X DAILY MY GOVERNMENT ISSUED I.D AND BANK STATEMENTS REPEATDEDLY TO NO AVAIL. 

MY ENTIRE LIFE, S SAVINGS ARE ON DEPOSIT WITH A CONCENTRATED POSITION IN DOGECOIN AND THE RISK NOW IS THAT ASHOULD THE VALUE DROP TO XXXX I RISK LOSING ALL MY SAVINGS. 

I HAVE DEMANDED THEY EITHER TERMINAATE AND REFUND MY ACCOUNT OR " VERIFY '' WHICH THEY BOTH REFUSE TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
Company opened up debt in my name without authorization, I called company to verify but they refused. It is being reported on my credit account. I was a student on campus at the time and submitted my enrollment verification to prove i lived on campus. The company has changed the location of the account multiple times and refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
Rushmore loan management are charging me an extra {$5000.00} on to my mortgage payable over 5 years because they said my payments were delinquent. I have been sending my mortgage through XXXX XXXX over a year an 6mos. because when I sent my mortgage on time they would tell me they were late and charge me late fees. when I look at my credit report they said I was late over 24 times an charge late fees an interest. They are still taking out PMI an I have own my home for 14 years and have not missed a payment.My mortgage went up an extra {$100.00} a month in the year XXXX they don't send my escrow to me I'm not sure if it's accurate.When I would call them they would not listen would tell me I was in foreclosure.I would get robo calls all day and even after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04 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: MD

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CA

Complaint narrative:
There are a couple of creditors listed on my credit report that do not belong to me. I have reached out to them and they stated that I would have to dispute the information with the credit bureaus and it will be removed as they will not give me a letter stating as such. Please remove these accounts that are not mine from my credit report. Thank you. 103 Claims true identity fraud/account fraudulently opened.

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 2021-05-04 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: CA

Complaint narrative:
There are a couple of creditors listed on my credit report that do not belong to me. I have reached out to them and they stated that I would have to dispute the information with the credit bureaus and it will be removed as they will not give me a letter stating as such. Please remove these accounts that are not mine from my credit report. Thank you. 103 Claims true identity fraud/account fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
I received a gift card from a family member for XXXX ( {$100.00} value ). When I Peeled off the sticker to reveal the gift code, it damaged the card. The code was illegible. 

I contacted XXXX XX/XX/XXXX and they referred me to XXXX XXXX ( incomm.com ), their partner company that issues the card. 

I complied with the link, leaving my contact information ( multiple times ) and did not hear back from them. 

I contacted XXXX again and was told they could do nothing and did not have a phone number for XXXX XXXX  ( incomm.com ). I followed up with an e-mail and was given the same incomm.com link on XX/XX/XXXX. 

I tried several more times to request help from incomm.com, with no response. 

I Contacted XXXX again on XX/XX/XXXX and was given a contact number XXXX to contact XXXXt XXXX I was prompted to use a credit card to be eligible for a {$100.00} credit. When I spoke with an agent and told him why I was contacting them, he hung up. 

I have the card, never used, and my family member has the receipt for the card and its purchase. It is unacceptable to have to wait this long for any response AND that a major company will not address this issue with their partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently went a few weeks ago to apply for a secured credit card for the first time at my local BBT Bank with my twin brother. A week later when we received our decision we found out that they accepted his application but denied mines. I then called my local BBT Bank and they said that when the application was sent off the company had combined us together and then they said I had to contact you all to fix this because you all think my brother and I are the same person.

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 2021-05-04 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: CA

Complaint narrative:
Many attempts made to correct inaccurate information placed on my credit report, late payment of the account is inaccurate. The payment history of the last purchased item is not available which reflects an inaccurate history of my credit account as well as the balance history of the account, please remove it from my credit history.

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 2021-05-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XXXX, I received a text message from Wells Fargo Bank alerting me to a potentially fraudulent charge on my account. I in turn logged into my online account, shut down my debit card and called my local bank to tell them I did not make the {$730.00} in charges. I was told the local branch could not help and to call the toll-free number. I did that and was severely questioned by the customer service representative, regarding my debit card purchases. Then I was given a claim number, and the representative hung up on me. I had to call back and speak to a claim representative, who assured me the bank would contact XXXX, to let the business know the charges made were fraudulent, and then, I was told that since the charges were not made by me, the charges would be reversed. That did not happen. 
On XXXX, when I called Wells Fargo back I was told that it was up to XXXX to choose to refund my money, and if they do not then, Wells Fargo would not refund the charges. I was made to feel like I was criminal by the way I was treated. 
I ended up contacting XXXX myself, and the business confirmed it appeared there was fraud, but they needed the bank 's confirmation. The XXXX representative asked me to have Wells Fargo contact them. 
I called the claim department again, and I was basically called a liar, and I was told it was not Wells Fargo 's job to let the business know about fraud. They admitted they did not contact XXXX and said they would leave it up to XXXX, even though it was a debit card. I asked why I was told different information on XXXX, and the woman named XXXX said the information from the other claim representative was just wrong, and the bank could not do anything to help me. It would be up to XXXX. 
At this point, I feel like I have been treated like a criminal and the bank has failed to protect my rights and my money.

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 2021-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: NC

Complaint narrative:
I filed a complaint with the XXXX XXXX XXXX concerning XXXX XXXX XXXX in XX/XX/XXXX. I was summoned to court by XXXX XXXX  concerning possession of the property during the COVID-19 pandemic in XXXX & XX/XX/XXXX. And, all both times I was given a continuance until I provided XXXX XXXX with their keys in XX/XX/XXXX. So, prior to this I obtained a new lease with XXXX XXXX XXXX XXXX after XXXX XXXX  mailed me a notice in XX/XX/XXXX for {$6000.00}?! I looked at the notice it said the property had a screens on the windows that had to be replaced. They said the property had furniture left in the home that they would have to remove ( glass artificial flower pot, four XXXX tires, and a water hose in the garage ), therefore I was incapable of receiving my security deposit. I insisted on doing all I could to make regular payments even though were late because I assumed they were willing to work with me because of the COVID-19 pandemic, and the emails they gave me in reference to financial assistance! So, I mailed them bank personal checks, and they mailed them back stating they do not except personal checks! I was almost ready to call them when I received court papers about other reasons unrelated to the pandemic that I was getting evicted. So, basically I was getting evicted because I got married in the home due to the pandemic which was strange. To make a long story short along the month of XX/XX/XXXX to XX/XX/XXXX I received phone calls from Hunter Warfield impersonating XXXX XXXX, then telling me that I still have debt owed to a personal owner of the property under XXXX XXXX. Im still continuing to get harassed over the amount XXXX XXXX wants me to pay them, prior to only wanting possession of there property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have received a copy of my credit report and it shows company PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$230.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo accepted a delivery receipt with my signature on it that was fraudulent ... .my signature is on file at the bank and they know it was not my signature. This is the 4th complaint and they have yet to address the issue why fraud is acceptable at Wells Fargo. As I have stated before, this will not stop until the question is answered. FRAUD AT A BANK IS NOT O.K. Complaints will keep racking up against Wells Fargo until they deal with this situation.

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 2021-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Hello, I currently went through a divorce and needed to refiance my house to take my ex off the loan/house. I went with current morgage compnay ( PHH ) because they offered a steamline and I thought that would be quick and easy, that was XX/XX/XXXX in XXXX they informed me that there wasnt enough history that I was paying the morgage myself after writing a letter and proving that it was I that had always paid the mortgage. 
So then they offered another route so we did that and I was denied. PHH Mortgage called me In XX/XX/XXXX offering me a FHA Loan that pretty much was a sure thing and after numerious request of info ( that was provided multiple times, but always requested cause it was always changing hands ) it is now XX/XX/XXXX and my refiancing is still up in limbo and now they are requesting more info that was answered and provided previously. 
I purchase a few houses and refianced in my time and even in todays world with COVID everyone tells me 30days to close but 45days worse case.I can go on and on with Apprasal XXXX up to Supervsor not calling after requesting to speak to one numerious times All I can say is Im not sure what they are doing but I never expeianced anything like this before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CA

Complaint narrative:
There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 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 2021-05-04 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: CA

Complaint narrative:
There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CA

Complaint narrative:
There are three accounts on my Equifax report that are not mine they were never signed used or opened by me and I have disputed these accounts on XX/XX/2021 well I have not received anything back from the bureaus or the furnisher regarding this identity theft matter and I need help with this please. 


XXXX XXXX - Acct # XXXX Amt {$16000.00} XXXX XXXX - Acct # XXXX XXXXmt {$2900.00} XXXX XXXX - Acct # XXXX Amt {$12000.00}

Company response to consumer: Closed with explanation