vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: OR

Complaint narrative:
On XX/XX/XXXX, I discovered that a collection account was posted by Southwest Credit Systems ( SCS ) to my XXXX, XXXX, and XXXX consumer credit reports. The reports indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from SCS regarding this collection account. However, based on the information provided by SCS to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation Enclosures 4, 5, and 6 ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation Enclosures 1, 2, and 3 ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I am submitting this complaint directly to CFPB to address potential violations of the Fair Credit Reporting Act, and am refraining from submitting any communication to the collector ( Southwest Credit Systems ) independently out of concerns for my privacy. 

As a XXXX  supporting the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: MoneyLion Inc.
State: TX

Complaint narrative:
I have membership with XXXX so I check my credit activity quite often and noticed a new account on my credit report for which I did not apply for and have no idea how the account was opened without me knowing. I called the company and they confirmed it was fraud, they asked me for my email to send me the findings of the investigation and on the same day I also started a dispute with XXXX. The dispute for the account with MONEYLION INC was not changed as a result of the processing of the dispute. 

XXXX stated that the company that reported the information has certified that the information is accurate. I do recall seeing my bank account debited in the amount of {$4.00} in XXXX for a membership with MONEYLION for which I immediately contacted my bank to investigate and reverse the unauthorized transaction and they did right away on XX/XX/XXXX, XXXX the account showed up on my XXXX credit report almost 3 months later. I have no knowledge of the company, never received any mail or email and I have a balance as of XX/XX/2021 that needs to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
placed order on XX/XX/2021 using my citi bank credit care on XXXX company hilarious.top. order was set for three large items. Total charge was {$82.00}. Items stated they would take about 21 business days. XXXX after not receiving any updates. I reached out to the seller. I was not able to find working phone number and emailed the seller asking for update on the item. I received a tracking number and due to Covid was advised could take longer to receive from my postal serviceman. On XX/XX/XXXX I finally filed a dispute with Citi Bank credit services. In which a credit was issued back to my card during the investigation. On XX/XX/XXXX I received a letter regarding the credit being reversed. I was told to contact XXXX who in term directed me back to Citi bank. I explained I never received the package took off time to go to postal office requesting a print out of the tracking number. I also was advised by the postal service this was a light weight small package which goes to prove my point the seller did not ship the items I purchased. No ideal what became of the small package but the three items that was ordered would not have needed to be delivered to my unit or picked up in the post office. Neither of these where done. I requested Citi bank provide me validation information for the investigation which was completed and spoke with managers on more than one occasion but have not received.

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 2021-10-14 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: VA

Complaint narrative:
On XX/XX/2021 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. I 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a savings account with Capital One through my company. I would like to withdraw my money. I can not. Whenever I try to, I get the error, " Looks like we need to fix something, so we're working on it. Try again in a bit, or give us a call at XXXX, and we'll help you sort it out. '' I suspect that this error is related to the fact that I already made one large withdrawal over a week ago, but that's not what the error says, and the funds are mine to move as I see fit. When I tried calling the telephone number in a similar situation in the past, the agent was unhelpful and could not explain what was actually wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: WA

Complaint narrative:
I was a victim of a scam between XX/XX/XXXX-XX/XX/XXXX. The scam was by impersonating a job ( XXXX XXXX which is based in XXXX not in the United States ) that seemed to good to be true. Sadly since there werent any red flags, they had my social security number which led access to my bank account. Around XXXX I started realizing things were getting fishy when things went south There are charges that I did not approve- XX/XX/XXXX {$210.00} XX/XX/XXXX- {$7600.00} XX/XX/XXXX- {$1600.00} XX/XX/XXXX- {$5000.00} The bank was notified and I called about the fraud transaction. There were multiple transactions which they got resolved. the four listed above were not. 
I recieved a letter that " they were requested through a secure online banking session using your username and password. After reviewing all the information available to us regarding the transactions you are disputing we have determined that the transactions were made by you, or someone who had your authorization ''.

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 2021-10-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Our mortgage was sold to phh mortgage a division of ocwen financial corporation in early XX/XX/XXXX effective XX/XX/XXXX. We have several complaints : 1 ) No loan documentation or loan servicing information about transfer was sent until we called multiple times. They said they sent it and provided a copy ( see attached ) but you will notice that the date on their letter is XX/XX/XXXX and it was sent via standard mail not first class so it would not arrive until far too late. We paid our XXXX mortgage payment on XX/XX/XXXX because we didnt have the letter to know that autopay would also be done. 

2 ) The letter provided says no autopay will be done until XX/XX/XXXX. However, the funds were taken from our account on XX/XX/XXXX ( see attached screenshot as proof ). PHH didnt even follow the terms provided in their own letter that was sent standard mail the day before they took the money from our account! 

3 ) we have been attempting to obtain back the extra mortgage payment since XX/XX/XXXX. We have called over 40 times, no one calls us back, they say theyve sent checks, they cant send the funds back electronically, and the issue is still not resolved. We cant go without {$3000.00} for month after month!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: NC

Complaint narrative:
Hello, Ive wasted a lot of time trying to get this matter resolved, they are a few items on my credit report that I do not recognize with incorrect information. I tried to get in touch with the Credit Bureaus several times and got no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX  XXXX XXXX # XXXX 30 DAY XX/XX/2021 XXXX  XXXX  # XXXX XX/XX/2021. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
I have an unverified account from a company I do not recognize the looks like a medical bill account that was paid in full to the service providers.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had a account with chime in 2019 I opened the account to receive my small business loan I never did business with the account I just used it to receive my loan well chime decided to abruptly close my account and give me the run around about retrieving my funds. Its 2 years later and I have no clue where my remaining XXXX dollars is. Chime basically stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TX

Complaint narrative:
XXXX, EQUIFAX AND XXXX HAS VIOLATED MY RIGHT OF THE FCRA 611 ( a ) ( 6 ) ( B ( iii ).

THESE AFOREMENTIONED COMPANY HAS REFUSED TO COMPLY WITH MY RIGHTFUL REQUEST FOR METHOD OF VERIFICATION ON ALL MY DISPUTED ITEMS WITH THEM.

I REQUESTED THE AFOREMENTIONED CREDIT BUREAU TO PROVIDE ME RELEAVANT DOCUMENTS THAT CLEARLY SHOWS EVIDENCE THAT THEY INVESTIGATED MY CREDIT DISPUTES.

I REQUESTED FOR SUFFICIENT PROOF THAT FCRA PROCEDURES WERE FOLLOWED AND PROPER STEPS WERE TAKEN TO VERIFY THE DISPUTES AS ACCURATE.

I HAVE REQUESTED FOR THESE METHOD OF VERIFICATION SINCE XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TX

Complaint narrative:
EXPERIAN, XXXX AND XXXX HAS VIOLATED MY RIGHT OF THE FCRA 611 ( a ) ( 6 ) ( B ( iii ).

THESE AFOREMENTIONED COMPANY HAS REFUSED TO COMPLY WITH MY RIGHTFUL REQUEST FOR METHOD OF VERIFICATION ON ALL MY DISPUTED ITEMS WITH THEM.

I REQUESTED THE AFOREMENTIONED CREDIT BUREAU TO PROVIDE ME RELEAVANT DOCUMENTS THAT CLEARLY SHOWS EVIDENCE THAT THEY INVESTIGATED MY CREDIT DISPUTES.

I REQUESTED FOR SUFFICIENT PROOF THAT FCRA PROCEDURES WERE FOLLOWED AND PROPER STEPS WERE TAKEN TO VERIFY THE DISPUTES AS ACCURATE. 

I HAVE REQUESTED FOR THESE METHOD OF VERIFICATION SINCE XX/XX/2021.

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 2021-10-14 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: CT

Complaint narrative:
I, XXXX XXXX, entered into a consumer credit transaction with XXXX XXXX XXXX which the account number is XXXX went into default and the debt was sold to a 3rd party debt collector. At the time, I didn't have an understanding of the laws under the FDCPA, TILA, and FCRA. As a consumer under these federal statues I am protected. Under FCRA 15 USC 1681 ( a ) " Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have sent in multiple disputes to the 3 major " credit Bureaus '' ( XXXX XXXX, XXXX, and Experian ) who congress has defined as a elaborate mechanism trying to get this situation resolved and this information removed and they response was ... ( see attached file ). In that letter you will see that i attempted to get this information removed and i quote " Our records reflect that you submitted the same dispute to us one or more times. '' XXXX XXXX XXXX said they investigated the situation but have not provided any proof of that investigation. I DEMAND that this information be removed IMMEDIATELY under 15 USC 1692e ( 8 ) " communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' I never gave XXXX XXXX XXXX or the elaborate mechanisms ( XXXX XXXX, XXXX, Experian ) permission or consent to furnish this deceptive information on my consumer 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 explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST CREDIT FINANCE
State: CA

Complaint narrative:
Since XX/XX/XXXX I have been trying to get my Full Account History, Including Interest and Late Fees. According to my records, my vehicle should be paid off. 

XX/XX/XXXX - Faxed request to First Credit Finance for Full Account History Including Interest and Late Fees XXXX - Faxed second request to First Credit Finance for Full Account History Including Interest and Late Fees XX/XX/XXXX - Received Payment History ( Not Full Account History as requested ) XX/XX/XXXX - Emailed Customer Care that I had Received Payment History ( Not Full Account History as requested ). 

XX/XX/XXXX - Response from First Credit Finance that Payment History was sent on XXXX. 

XX/XX/XXXX - Emailed Customer Care again that I had Received Payment History ( Not Full Account History as requested ). 

XX/XX/XXXX - Spoke to XXXX at XXXX ext. XXXX. After leaving me on hold for over 20 minutes XXXX comes back to the phone and says the office is now closed and she will call me back tomorrow, which she never does. 

XXXX - Attempted to call XXXX, I was told that she was unavailable and my call was sent to XXXX XXXX.. XXXX said He will send my Full Account History including interest and late fees out in the mail today. 

XX/XX/XXXX - Emailed XXXX XXXX that I had not received my Full Account History, which he says he mailed on XX/XX/XXXX. 

XX/XX/XXXX - I received a call from First Credit Finance regarding a late payment. I informed the representative that according to my records, my vehicle should be paid off and that I have made several attempts to get my Full Account History since XXXX and I have not received it. The representative said she would get a message to that department to return my call, as of XX/XX/XXXX no one has called me back. 

XXXX - Second Email to XXXX XXXX, that I had not received my Full Account History, which he says he mailed on XX/XX/XXXX. 

XX/XX/XXXX - Called XXXX XXXX He now says, That he submitted a request to have my Full Account History mailed out, he is not sure why that has not been sent out. At XXXX XXXX, when he tried to get a supervisor on the phone, they were at lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: MO

Complaint narrative:
My loan start date was XXXX, in XXXX I applied for and was granted a deferment at which time first inventors told me they would waive the late fees on my account to help me get back on track as this is a very high interest loan at 15.18 % Maturity date was ( contract expired on XXXX ) I paid my last payment on XXXX, this business online portal shows I don't owe anything that my principle balance is XXXX, however they are report to the credit bureau that I am 47 days past due. I have continued to follow up with the business and keep getting different information and given the run around as to why this hasn't been corrected.

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 2021-10-14 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: GA

Complaint narrative:
Equifax is falsely stating that they have verified a bankruptcy # XXXX with the furnisher who is a third party company that they are reporting on the dispute response, XXXX. I have disputed this account with Equifax on XXXX, XXXX, XXXX, and XXXX of XXXX. They asked me to dispute the information with the furnisher and I then provided proof which I have provided to them several times and yet they still state they have verified the information despite having the documentation provided from XXXX that this account was deleted because they could not verify the accuracy of the account. They have also falsely stated that XXXX has verified the information on XX/XX/XXXX, when the attached documents show XXXX deleted this account from their system on XX/XX/XXXX. So did Equifax truly verify this with XXXX? I have also contacted the clerk of courts on XX/XX/XXXX and they also verified that they do not verify any personal records for any individuals or sources and that they do not have control over misuse and misrepresentation that is being reported in error by third parties. I am asking Equifax to please provide documentation of this account that they are clearly erroneous and falsely reporting. I asked that they investigate this account accurately and fairly and to provide supporting documentation. How can Equifax take advantage of a consumer by not providing the requested documents to verify the accuracy of this account. Equifax is clearly breaking the law. Per the Fair Credit Reporting Act the account must be thoroughly investigated and documentation must be provided. Per the FCRA it is Equifax duty to update and correct information and to provide valid documentation of the disputed account. It is against the law to report third party information without truly verifying the source for accuracy. It is detrimental to the consumer to have this inaccurate account reported and is very timely.

Company response to consumer: Closed with explanation