vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, Equifax dropped my credit score by 23 points because I disputed the remarks on accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I pay my bills all on time and disputed remarks on account and my score dropped 23 points. How is this possible. This is even though one my credit cards balanced decreased by {$1300.00}. This is not right and totally unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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 5 accounts on my credit report that are not mine they have not been approved signed used by me this is a case of identity theft and I have been trying to get thru to the bureaus regarding this but after multiple letters that have been going out since XXXX of this year nothing is being done about this. I need some assistance Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 2019

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 2021-05-07 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 5 accounts on my credit report that are not mine they have not been approved signed used by me this is a case of identity theft and I have been trying to get thru to the bureaus regarding this but after multiple letters that have been going out since XXXX of this year nothing is being done about this. I need some assistance Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX  XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Reporting duplicate accounts on my credit with XXXX  which is a violation and I didn't receive any information about this bill which I am not claiming because I don't know what it is which is also a FDCPA violation.

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 2021-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
i did not approve of this credit inquiry never applied for anything with this company ever

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 2021-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CIG FINANCIAL LLC
State: NC

Complaint narrative:
My loan for my vehicle is with CIG Financial. This lender has continuously harassed not only me but my family members who have nothing to do with the car loan. They have repeatedly called my older daughter and my ex husband. My younger son and I had Covid and CIG reluctantly offered a forbearance and then after signing the forbearance agreement they repossessed the vehicle. I had to pay {$2600.00} to retrieve my vehicle. Upon getting my vehicle back, the calls and threats started again. I have been informed that this company currently has multiple class action lawsuits against them for unscrupulous acts against the consumers who do business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
I am trying to save my home. My husband passed away and I am just trying to assume the loan. The lender has refused to help me and I can't pay what is due until they offer a loan modification. 

I have no where to go and I am afraid that the lender is going to place a foreclosure sale date soon. I have submitted everything they needed for a proper review.

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 2021-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased the property located at XXXX XXXX XXXX XXXX XXXX Nc XXXX. The title of the property is not clear because there is no recorded pay-off for the Deed of Trust filed in Book 7105, Page 396. 

Im unable to sell the house. 

First Horizon bank failed to record the lien release letter. I called them and they will not help me because I'm a third party. They want the seller to reach out to them and the seller has no incentive to help. I'm the one who is suffering damage now because i can't sell. The buyer is not in need of this letter so he is not helping. 

My property title is still encumbered by the Deed of Trust executed by XXXX XXXX & XXXX XXXX in favor of XXXX XXXX XXXX  XXXX XXXX, dated XX/XX/XXXX, and recorded in Book 7105, Page 396, XXXX XXXX XXXX, securing the principal sum of {$40000.00} and subsequent Assignment of Rents filed in Book 7684, Page 3059. 


XXXX XXXX XXXX XXXX  XXXX is now First Horizon. Can you get a lien release letter from First Horizon, please? 


I can send the settlement statement to you to show you that it has been paid off. 

The Uniform Residential Mortgage Satisfaction Act requires lenders to record the lien release within 90 days from the date of pay off. It has been more than 90 days already. According to the Act, the penalty on the lender ( First Horizon ) now is {$1500.00} for failure to record the lien.

I wasn't able to sell the house because of their negligence and I suffered financial damage from the failure to sell the house. 


I called First Horizon Bank ( Formerly : Capital Bank / XXXX XXXX XXXX  XXXX  XXXX ) They cant release information about this loan pay-off to me because Im a third party. 
The loan number is XXXX. 
And the prior owner of the house has no incentive to help. 

Thanks. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Company calls between 4-5 times every day and hangs up once they get my voice mail. Today alone I've had to block 3 different numbers showing as " PortfolioRecov. '' Every call comes from a different phone number from every state in the US. Many times it shows as a local number and alternates between landlines and wireless. Recent numbers include ( XXXX ) XXXX, XXXX XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I have reported each and every one to Call Filter through my provider XXXX XXXX but nothing changes. 

I have repeatedly responded via text and email to delete me from their call list since I have no outstanding debts and haven't for more than a decade. I have received no confirmation from the company and the calls every time I report them. 

I spend about 20 minutes a day reporting each number and then blocking to no avail. I am considering legal action against this company for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today I was. Overdrawn XXXX dollars someone used my. Debit account number. And they charged me draft fees and tried to send me a new wells Fargo card to same address where my account number was used and don't want to give me a temporary card. I have to cash out at bank and makeshift weapons outside bank in XXXX XXXX XXXX way and XXXX XXXX XXXX XXXXto many issues at same time. And the bank workers hovering around me all day.

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 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
they have called and left messages with myself and my sister and have my social security number. I spoke with them today XX/XX/2021 and they are saying I owe money on a Best Buy account. I didn't have an account on the dates they said it was opened and closed. They said if I do not pay they are going to file paperwork to take me to court and I better have the full amount because I will loose the judgement. I have been hung up on every time they don't like one of my answers. I am scared that they have personal information and worry they will be making up a false lawsuit. the company they say they are calling from is XXXX XXXX XXXX and the number is XXXX XXXX XXXX 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 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX is not & hasn't been our loan holder for years. They are sending us TIME SENSITIVE, FINAL ATTEMPT, IMMEDIATE RESPONSE letters on pink paper claiming our home owners insurance has expired. WE know its XXXX & a scam but my wife cares for the elderly and they get frightened by these scams! The NOTICEs are very predatory in nature. Their intention is to scare people into calling. We haven't called XXXX  & honestly, it shouldn't be us calling some hourly employee. This needs a throat punch to the CEOS. Sincerely, The XXXX 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 2021-05-07 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: GA

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
Paypal closed my account and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be.I have not been able to get help from them for over 6 months but I just remembered I could file a report on here as I feel they are not doing there job properly and its effecting me a great deal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: RI

Complaint narrative:
On XX/XX/XXXX I made a U {$5000.00} transfer with Wise XXXX transaction # XXXX XXXX. The money was wired from my bank account to Wise account on XX/XX/XXXX, Up to date XX/XX/XXXX the money has not been transferred. Worse than that, I have been contacting wise daily through chats, emails, and complaints, and have already sent them the transaction receipt along with print screen of my bank account showing the transaction went through. They apologized for the delay and told me this would be solved. Now they are simply not answering

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 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:
I am showing 6 accounts on my credit report on three bureaus that are not mine they do not belong to me I have tried calling and disputing these accounts as well as sending letters to the bureaus and the furnishers and nothing is being done about this it is identity theft I have not applied or used or even know what these accounts are in my credit I need them off my credit report this is false showing of my credit account. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2020

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 2021-05-07 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:
I am showing 6 accounts on my credit report on three bureaus that are not mine they do not belong to me I have tried calling and disputing these accounts as well as sending letters to the bureaus and the furnishers and nothing is being done about this it is identity theft I have not applied or used or even know what these accounts are in my credit I need them off my credit report this is false showing of my credit account. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have disputed this debts numerous times because it is not mine, the creditor never reply to any of my mails or disputes, I am tired of trying to resolve this, and tired of telling this creditor that this account is not mine. I would love for this creditor to provide me with signature proof that this account belongs to me, or remove it, I have been disputing this account since 2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing one account that is on my credit report for Experian and XXXX and I have been getting nothing back regarding this. This one account is not mine!!!!! I have not even owned a card like this used or signed for any cards like this I need help I have filed FTC I have called the furnisher and the bureaus but to no avail please help this is ridiculous. 

XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$17000.00}

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 2021-05-07 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:
On XX/XX/XXXX the XXXX XXXX account was settled for me through National Debt Relief, yet XXXX XXXX continued to tell the credit bureau that I owed {$5900.00} + when they know that they settled this account on XXXX I asked Experian way back in XX/XX/XXXX and forward as far as today to fix my credit because I sent them proof that XXXX XXXX settled the account the credit bureau refused to fix it stating that XXXX XXXX would have to fix it. I sent XXXX XXXX all the information showing that the account was settled yet they said they didn't receive the signed document they needed to close out the account. I forwarded them the document and they then said it was blurry and they wanted me to directly sign the document they were sending to me through document signing through my email. I opened the document but they had filled in the date showing it as if it was just being done today. I asked XXXX XXXX to change it to the original date that the transaction happened they told me I could change the date but it was not allowing me to change the date. I immediately contacted them again and stated I could not sign it because it makes it appear that we just agreed on today. XXXX XXXX said no because the paperwork has XX/XX/XXXX on it. I refused to sign it because it is showing that even though its shows last year the date of signing shows today. I forwarded them the document I signed with the correct date on it and now they are saying that it is blurry and they can not see it. I should allow them 72 hours to make a decision on the situation. I sent another copy to XXXX XXXX XXXX XXXX who stated that she already forwarded the document to where it needs to go. I am frustrated because XXXX XXXX knows they settled that account and continued to fraudulently report on my credit that I still owed them money. That account should show settled as of XX/XX/XXXX. Please help

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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
got in touch with them and made arrangements to pay off old account. never discussed XXXX XXXX XXXX because i dont owe it and made it clear i wasnt going to pay it. someone used my name for the account. since im paying on these other accounts they are lying and saying im 1 month delinquent with XXXX XXXX XXXX. this never happened!! trying to do whats right my credit score was XXXX now it has dropped 72 points because they added this old account that i have disputed a million times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I had two medical bills, first time in 2016 i didn't have health insurance but i had mentioned that and some social worker came and told me that you don't worry, you will have to pay not a single dime and they coming after me, i had called the hospital several time and i talked to collection agency 4-5 times and they said i have to contact hospital in order to remove from my credit history now this is not right because i was told by social worker name XXXX or XXXX something and still the collection agency, name XXXX i believe says they can't remove this thing fron my credit record their name is Phoenix Financial Phone Number is ( XXXX ) XXXX they have told me that they can't contact hospital when i asked them to provide me the date of service, they said i have to contact hospital but anyway i was told by social worker that i won't have to pay any thing other wise i would have not gone to that hospital. And this is in 2016 and after all this years it didn't go to collection, i had called hospital several times like 2 years ago and they didn't tell me any thing.i had explained them about social worker too every time i called them. The amount they ( collection Agency ) billing me is {$1800.00}

Company response to consumer: Closed with explanation