vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Love Beal & Nixon not only filed suit against me for a fictitious debt that I do not owe but also failed to properly notify me and properly serve me, Love Beal & Nixon are attempting to collect a debt I do not owe. Love Beal & Nixon also failed to send written debt validation. Furthermore, Love Beal & Nixon recently furnished redacted information to the District Court of XXXX County State of Oklahoma. It is evident that this Love Beal & Nixon have furnished falsified statements and documents in attempt to collect I debt I do not owe. After careful research I have discovered that Love Beal & Nixon are debt buyers and have a history of purchasing debts from various creditors for nominal amounts and or creating fictitious debts with consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I reported an alleged XXXX XXXX credit card account to Transunion credit reporting bureau for investigation. 
After the merchant, XXXX XXXX XXXX, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any XXXX or Validate said debt pursuant to the FDCPA. 
Charge offs become the consumers income after being charged off and Said merchant refused to provide XXXX and Transunion credit reporting bureau did not properly investigate this issue.

The Transunion credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. 

The XXXX XXXX account reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. 

Transactions subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. 

Further, Transunion has confirmed receipt of my dispute demand for removal of fraudulent and unauthorized inquiries affidavit statement which they refuse to remove. 

Further, Said credit bureau continues to report late payments allegedly pursuant to my student loans on closed accounts. 

Further, said credit bureau refused to remove a fraudulent collection account from " XXXX XXXX XXXX XXXX '' / '' XXXX '' in the amount of {$24000.00}. Said credit bureau is in receipt of fraud affidavit et.al. ( See attached ) All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. Transunion Credit Reporting Bureau is damaging my credit worthiness.

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 2021-11-01 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2021, I received a call from Barclay 's Fraud Department regarding charges billed to me. I verified I did not make any of the charges and verified that I had both credit cards associated to my account. All transactions were credited and was to be investigated by their fraud department. One charge was rebilled to me on XX/XX/2021 in the amount of {$1200.00} because I used this vendor in the past and had to prove that it wasn't my charge. On XX/XX/2021, I faxed all information to XXXX. Fraud team was to review and call me back on XX/XX/2021 and so far no one has. Just recently received my credit card statement and the charge is still there. I constantly call the Investigation Unit at XXXX and no one picks up. Average time I spend waiting is 1 hour. I receive letters in the mail advising I am not responsible for charges I did not make, however, Barclays is holding me responsible for this charge. I called the regular JetBlue number and they found and emailed me a copy of the transaction and advised me transaction is consistent with fraud. My credit card was used to purchase roundtrip tickets and was canceled within one hour and instead of being refunded, it was refunded to a XXXX XXXX that it not associated with my account. Investigation unit continues to hold me responsible for the charge.

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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I've been attempting to resolve issue of two missing payments, amounts of {$3700.00} and {$500.00} plus estimated IRS taxes, for several months with no resolution. Complaints filed with CFPB prior were replied to by either referring back to prior replies which state checks cashed and or address sent to verified or attempt to state the same, address verified and or checks cashed..The checks were sent to my old address after I moved which was in XXXX of XXXX, it appears the person ( s ) now residing at address possibly intercepted, signed and cashed in my name, which I detailed in prior complaints ... Wells Fargo reps claim to have addressed this issue as well, however, have not, prior replies were reviewed and fraud issue not addressed or issue of missing payments. There is mention of a letter signed, agreeing to {$500.00} payment which again, was sent to old address after I moved and was not signed by myself.. Needless to say, reps are unable to refer to signature forged document. Further, the payment amounts totaling {$4200.00} do not cover damages caused by Wells Fargo reps opening accounts I did not need or want, which was also detailed in prior complaints, issue not addressed. I requested a reasonable settlement offer for sustained damages including two missing payments, no offer made to me to date... Still, Wells Fargo reps continually refer back to prior replies which do not address any of above issues... I've called Wells Fargo executive phone bank numerous times at XXXX, given various numbers to remediation dept, all incorrect. In order to locate correct number, I had to call the company whom issues payments on behalf of Wells Fargo, XXXX, given correct number which I've also been calling numerous times, spoken with several supervisors including a XXXX and XXXX, no resolution to date.. Both reps have put in requests to locate payments as well as reasonable settlement offer, nothing done to date. In closing, the CFPB should avoid sending this complaint to a XXXX, XXXX, XXXX XXXX, XXXX XXXX whom appears to be attempting to avoid further contact by refusing to reply ... Also, Wells Fargo should be investigated by CFPB with respect to their handling of this matter and their remediation dept as a whole, they seem to low-ball offers in attempt to avoid paying adequate amounts. The purpose of these complaints is to afford Wells Fargo opportunity to resolve issues directly, apposed to legal action.

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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Dear Sir or Madam Under XXXX Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX XXXX XXXX.. 
I am disputing the validity of the corporate advance debt you claim that is owed for property preservation. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed. Also I would like copies of all work orders and documentation of all inspections. The inspection report should be detailed and reflect what services were performed or what was observed. 
I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether there was actual fraud or work was performed. I need to ensure that the charges and monies disbursed to XXXX XXXX XXXX for approximately {$51000.00} was based on work performed. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 

I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request. 

/s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX FL XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: AZ

Complaint narrative:
4 items being reported exceed 7 years and do not qualify as reportable beyond this time frame.

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
During the years 2020. I went on XXXX and XXXX and promoted myself as a XXXX XXXX trying to inspire, motivate, and encourage anyone who watches the information and entertainment of my videos, to wear masks and social distance during the peak of covid-19. 

When I utilized XXXX, the most controversial thing was to be bold enough to run in the president election as XXXX. During that year, I was on the least amount of funds such as many other people. I had a smart phone and tripod and alot of courage to present myself as transparent. 

I had alot of negative criticism, from many I know and some I didn't, yet the perseverance of trying to make my mark as well as a difference. Lead to ; much good in my community. 

My identity theft level went sky rocketing and from a highest fico score of XXXX In one year dropped to XXXX. I am in dire need of a consideration from the credit bureau of the United States, ask how even with late fees? How can it drop so low? Is it a average adjustment due to the lack of employment. 

I worked so hard to keep XXXX XXXX score in a ok or good place. 

Please help me, by looking into my fico score as see the major issues as serious. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: ERC
State: CT

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I was served with foreclosure papers the week of XX/XX/XXXX. I was currently in a loan modification and they denied it after I'd been paying 6 months through the website. They say it was denied due to missing paperwork. Now, they've locked me out my account online. They won't accept payment unless I pay them {$20000.00} to reinstate my mortgage. I don't know what to do. I've asked for copies of the documents they've claimed to have mailed but I'm currently waiting 7 to 10 business days to get them. They haven't set a foreclosure sale date. I can provide the documents they need if they send them to me. I don't want to lose my home. I feel like I'm in a foreclosure scam with this company. They expedited foreclosure on the account in less than 30 days while receiving payments for the last 6 months during trial modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
None of the credit cards show up when I try to make a transaction even after waiting for 72 hours per instructions given by the company. 

So far, I tried contacting : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
4 items being reported exceed 7 years and do not qualify as reportable beyond this time frame.

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 2021-11-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
4 items being reported exceed 7 years and do not qualify as reportable beyond this time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Granite Edvance Corporation
State: WA

Complaint narrative:
Granite State Management and Resources spontaneously stopped processing electronic payments for approximately a 4 mo period between XXXX XXXX and XXXX XXXX ( after 13+ years of not missing a payment ). They then spontaneously started working again. During this timeperiod I made multiple attempts to pay my loans ( above the minimum payment, an adjustment that started the issue ), received confirmation that the payments when through ( there were sufficient funds during this timeperiod ) and then 10-15 days later they failed to process them, didn't communicate directly with me ( as they had when they worked ). They used 3 different electronic communication methods during this time, one of which was a secured notice via an email notification that expired and was deleted from the history page on line within 4 days of being sent. GSMR failed to respond to my queries and then reported my account to the credit agencies as 90 days late. This came in as a duplicated delinquency as it was a consolidated loan, noting here there was no way to separately pay these accounts through GSMR. GSMR has been unwilling to address the issue and customer service has led to the same individual who is incredulous and rejected my request for review before receiving any of the supportive information where I had detailed this issue chronologically. If you had similar issues during this timeperiod please report it to your state attorney general and on this forum. Prior to this issue I had a perfect payment history and a credit score in the mid 800s.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
Needed to get an approval for a mortgage before making a offer to purchase a new home. After submitting irs 1040 's, bank stmts 1099 's and ssi they said we were approved for the loan. The DTI was 48 %. went from XXXX  to XXXX to purchase a new home. The appraisal was in line and accepted. An offer was made on a property and accepted. 
Paid for an inspection report, Lawyer & appraisal. The major complaint is why did they issue an approval and then denied the loan at the end. Spent thousands because of their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Verisk Analytics Inc
State: CA

Complaint narrative:
The company is stating that they are verifying/researching information about a bankruptcy to XXXX services ( please see attached where XXXX shows verified as accurate ). It is impossible to verify the information as the bankruptcy court does not verify the information ( see attached letter from bankruptcy court ). They are pulling there " verified '' from public records which have errors and can not be verified in this situation ( please see the attached letter from LCI ). Per the fair credit reporting act all information has to be able to be verified or needs to be removed from there system. Since they provide the information to XXXX and are certifying that it is correct, this is a breach of the reporting act and a blatant lie. This is not the first time they have been caught. Refer to cases : Legrand v. IntelliCorp Records , Inc., No. 15-cv-2091 ( N.D. Ohio ) - an FCRA class action Roe v. IntelliCorp Records , Inc. , 12-cv-2288 ( N.D. Ohio ) - an action alleging violations of FCRA sections 1681k and 1681 ( e ) ( b ) Also please see attached from XXXX XXXX that they removed said bankruptcy as they are unable to verify that it is correct on the public records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I regularly bank at the Bank of America, XXXX XXXX XXXX, XXXX, NJ XXXX. These are my observations : One, signatures are not checked against bank records. Signatures are thus easily forged! 

Two, no identification is requested. I am reacquired to use my debit card and place it into a filthy dirty device that is never cleaned after each customer 's use. We do have the novel coronavirus but apparently BAC either doesn't know or could care less! 

Three, but identification cards cab stolen and with it the pin whatever it is called! The teller never asks for identification when the customer uses that device or whatever it is called! 

Four, there are security guards at all anywhere in the bank! 

In short, the tellers act like automatons. That is, they demand use of that device and that's that! Period! 

Very sloppy and incompetent banking by BAC! 

I know the customer relations people at the BAC will come up with some folderol about just how great and brilliant BAC is! And they'll take their good time, after consulting BAC 's armies of lawyers, before they answer me! 

Most untrustworthy!

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