vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I entered a consumer credit Transactions with this company with my open ended credit plan. Wells Fargo alleged that I've had alleged unpaid obligation to them, then they processed to charge off and close the credit account. There are no law under the Truth in Lending or FCRA Statutes that stated anything about Late Payments in connection to an open ended credit plan. 
However, 15 USC 1602 states that an account can not be closed without the original creditors written consent. It further states that a natural person can not assume any debt, and pursuant to 18 USC 8 the United States assumes all obligations. Yet, Wells Fargo is attempting to collect an alleged debt from me while harming my consumer reports and my reputation which is a clear violation of 15 USC 1692d ( 1 ). 

To make matters worst, they continue to report the account charged off to the credit reporting agencies every single month for the past 5 years

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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was looking my credit report an inaccurate info that i did authorize or consent to. I sent out letters to the company over 30 days ago and still havent got nothing. These accounts are hindering. it are keeping from gettin any type of loan. remove these items from my credit

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 2021-07-27 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: NY

Complaint narrative:
I was looking my credit report an inaccurate info that i did authorize or consent to. I sent out letters to the company over 30 days ago and still havent got nothing. These accounts are hindering. it are keeping from gettin any type of loan. remove these items from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc.
State: MA

Complaint narrative:
HI PROFESSIONAL CREDIT ANALYTS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called a few times to American Express I had scheduled a payment for XX/XX/2021 and I called in on XX/XX/2021 to cancel the payment because there Would be no funds to cover it. I lost my job die to COVID and explained to American Express I applied for unemployment and the got the response back Im approved however there is a delay with the processing of it. In short they enrolled me in a financial relief program for all my cards and they have token out all necessary payments via auto pay which I have proof I am up to date and there was an error in there system I would like them to fix with my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
On XX/XX/2021, my COINBASE account got hacked i lost {$2300.00} from coinbase investment and {$1500.00} from my bank account that was linked to my coinbase account ... all i got left from my portfolio was {$0.00}. i never get help form coinbase, they even end up locked my account ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have submitted a loss mitigation package to Select Portfolio Servicing, Inc., numerous times and I believe they don't even take the time to review my full package. I have many attempts to advised them that my income has changed as I am renting part of the house so I can have enough income to make monthly mortgage payments. I always get the same response that the loan does not qualify for any type of retention options ; I do not get anything in writing explaining the specific reasons for the denials. I do not want to lose my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NJ

Complaint narrative:
In 2020 I sent XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX, a letter to validate the debt and ask them to have the collections account removed due to it being inaccurate. The amount of alleged debt owed is {$190.00} for XXXX XXXX. They responded with a letter on XX/XX/2020 stating that they have closed the account and will have it deleted from all the consumer credit reporting agencies. The Collections account is still being reported on my Equifax credit report. They are violating many of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This was a checking acct that I rarely used, with the exception of a couple auto-drafts that I cancelled and reassigned to a different account. An auto-draft that I had cancelled was presented to XXXX and was paid by them, along with OD fees ( even though I opted out of OD protection ) and overdrew the account. XXXX failed to notify me of the OD. I logged into the account to close it and saw the OD, so I attempted to make a transfer, but my transfer access was closed. I called them and was advised that I had to make a deposit at a branch. Since I was living out of state and there are no branches in my state, I had to deposit the amount to a family member and have them go to the branch for me. This was done the same day within hours of seeing the OD. 

I immediately called XXXX to let them know and the branch supervisor that I spoke with stated everything was alright and the acct was going to be closed as requested. Shortly after that I found this acct had been reported to XXXX XXXX XXXX and Experian as a Paid Charge-off. I work very hard to maintain good credit and banking relations and believe this reporting to be inconsistent, filed in error and unjust. I have disputed the info with XXXX, the credit bureaus, XXXX and XXXX with zero resolve. It remains on my credit reports as a Paid Charge-off, which caused my FICO scores to drop by XXXX points. 

I discovered the overdraft and made the deposit on XX/XX/XXXX. The only notice that I received from XXXX was on XX/XX/XXXX, dated XX/XX/XXXX. The bottom line is that even though XXXX did not alert me that the account was overdrawn, I did discover it and made the deposit within one day of their backdated closing letter. XXXX is acting extremely petty with zero regard of the hardship that they are causing me. 

My next step will be to file suit against XXXX. I have consulted with a consumer banking attorney and he has counselled me to give this one last shot with CFPB before filing suit. Once we file the suit, there will be costs associated and it will no longer be a simple issue of XXXX removing the account from my credit reports, as we will be seeking all costs and damages.

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 2021-07-27 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: NY

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Hello, Bank of America is preventing me from disputing a charge on my credit card and I need CFPB 's help. 

On XX/XX/2021, I made a {$250.00} purchase for a product that was defective. The company did not tell me at the payment that the product was not refundable. Only when I realized that the item doesnt work and took it back to the store that I was notified. The customer service did take the item back and promised to call me back. They called me back on XX/XX/2021, when I was driving. I promised to call back for safety reasons and I did. After two attempts, I left a voicemail and received no call back. Since then, I have been trying to reach Bank of America to dispute the charge. Surprisingly, BOA does not allow for an online filing. A phone number is provided for call. Not only that no one responds to the call, I have to wait indefinitely without any idea of how long. 
I found this suspicious and stressful especially at the time when my family and I are facing scarcity of resources.

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 2021-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a loan with Sun Trust Bank, now called Truist Bank. I started working with XXXX XXXX XXXX. I was told to stop paying and they would negotiate with Truist Bank on the loan. After a couple of years of default, I never received anything in the mail from them. I assumed they were working with XXXX XXXX XXXX. The next thing I knew, I had a received some paperwork from the courthouse in the mail. They had supposedly sued me and when I didn't respond in 30 days, they tried to get a judgement from the court. I was never served. Thankfully, the court dismissed the case. I'm working with the lawyers that contract with XXXX on a resolution but because it got so far they are asking for a ridiculous amount of money they know I cant pay. I'm upset with XXXX XXXX XXXX for allowing it to get to this point. I was under the impression they were negotiating with them. Furthermore, when I asked if I can try to settle on my own, they advised against it. And second, I believe Truist Bank is being unethical. They know they did not serve me and still tried to get a settlement from the court since I didn't appear even though I was never served. The attorney on this case are XXXX XXXX in XXXX, Arizona. I'm frustrated because I feel I'm being taken advantage of in this matter. I believe the law firm is trying to see if they can get away with it even though I was never served. XXXX XXXX is trying to wash their hands of it 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 2021-07-27 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: OH

Complaint narrative:
I have contacted Experian in the past explaining that some someone has been attempting to open accounts in my name but they told me that I needed to have documentation on file with them before they would be able to help me. I sent the information several times in the past only for them to say they did not get it. I have attached the identity theft report to this complaint in hopes of getting this information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: LA

Complaint narrative:
On XX/XX/2021, I submitted a fraud dispute with the FTC report attached for fraud to Equifax. They told me with a valid FTC report it would take 4 days to remove. They were not removed. Equifax opened p another dispute on XX/XX/XXXX. They once again said it would take 4 days. Those fraudulent items still were not removed in a timely manner. On XX/XX/2021 the dispute was completed and I received a confirmation and letter confirming that those items were removed from my report. They have not been. It has been almost been 75 days and those items still remain on my Equifax Credit Report after I received notification that they were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be 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 Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$470.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: FL

Complaint narrative:
Hi, I would like to report about fraud items in my credit report. I do not recognize these accounts and my personal data was used by someone. please delete asap

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 2021-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N.A.

Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I accepted a loan from Altas Credit Co. , Inc. for {$500.00}. In XX/XX/XXXX, I checked my credit report and saw that there was another account opened by Atlas Credit Co., Inc. in XX/XX/XXXX for {$730.00} without my knowledge or consent. When I called the XXXX, TX Office, I was told that I was sent a refinance offer on my loan in the mail and even though I never responded to the offer or came in to sign a contract and pick up the money, the account was opened. At that time, I was told that they would close the account, but they would try to get it off my credit report and I should also dispute the account with the credit bureaus to get it removed. After checking my credit report today, I noticed that this account is still on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be 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 Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation