vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 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: GA

Complaint narrative:
I was checkiung my credit yesterday because I am rearing to purchase a home and I noticed fraudulent and unauthorized accounts that are currently reporting to my credit profile. I do not know who accessed my credit without authorization, and I didnt give authorization to any of the listed creditors to pull a credit report on me. The accounts are as followed : Account Name : Auto Credit Account Number : XXXX Amount Owed : {$12000.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 Account Name : Capital One BAnk USA Account Number : XXXX Amount Owed : {$400.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Date Discovered : XX/XX/2021 Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Amount Owed : {$800.00} Date Discovered : XX/XX/2021 Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Date Discovered : XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I filed a smalls claims against XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX  ga XXXX. They countered with a wrongful eviction and missed there own first court date. They then filed again, the judge issued no money judgment/ its court records. Ive attempted several times to have this removed from my credit and they have not, they also listed multiple address, and incorrect spelling of my name and the dollar collectors is demanding once again was ordered by the courts over county no money judgement owed to XXXXXXXX XXXX XXXX XXXX by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 : {$820.00} ACCOUNT NAME : XXXX  XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$310.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$350.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am a senior and XXXX XXXX XXXX at Texas XXXX XXXX XXXX University and I received a solicitation in the mail with a specific invitation number for me to apply for a Discover STUDENT credit card. Discover promoted the card to me as an entry level credit card designed for students. Regarding student credit cards, Discover 's website states ; " Students, build your credit history here. '' However, when I applied for this card, I was told on the phone that my roughly XXXX XXXX dollar income was not sufficient and I was promptly denied. This denial may have a negative impact on my credit score and if I had not been specifically solicited to apply, I would not have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After recently reviewing my credit report I noticed several inconsistencies regarding Bankruptcy - XXXX. In the reference number section, XXXX  is reporting the reference number as XXXX and court US BKPT CT NJ XXXX. XXXX  is reporting reference number XXXX and court US DIST CT, with no latest status date. And Transunion is reporting XXXX and court U.S. Bankruptcy Court. Now all three of these Bankruptcies can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.

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 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am a XXXX United States citizen and this financial institution Wells Fargo bank has taken advantage of me and money in which this financial institution has not only taken advantage of me but also other consumers opening up fake accounts and forging the names on not me but to others consumers as well with out arthorization from the consumers not knowing not knowing what is going on with not only my account is being attract but others consumers as well. and that is the main reason of why Wells Fargo bank has been sued before about these same these same issues and these practices are still going on. And all of these hidden fees that I was not informed about didn't tell me about now I was charged {$10.00} fee for service fee and with out my permission after going on three years and I get {$300.00} to pay my utilities for where I reside at. If I had to pay a fee they should have told me all of these hidden fees. And like I said before after going on three years at getting the money. Now this institution wants me to pay {$290.00} for over draft fees and like I said before XXXX Never used online banking and never authorized to sign up for online banking and over draft protection none of those things. This financial institution has taken advantage of not only me but other consumers 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 monetary relief
Consumer complaint received 2021-07-22 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

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

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: IL

Complaint narrative:
Since XX/XX/2021 I've been trying to get investigations done on several accounts and sending validation letters and have not received any response back. Also the bureaus are not conducting their investigation into the problems which shows me as the consumer they have no regard for the FCRA guidelines and the Collection agencies have no regard for the FDCPA. This will be my final attempt for the bureaus as well as the collection agencies to send proof of the requested information attached below and verify these accounts on their accuracy. I am keeping really good record of all this. I will file a report with the FTC as well if this does not come to a resolution. It is baffling how I'm sending this information to the bureaus, creditors and collection agencies and NO ONE RESPONSES. You are at this point violating my consumer rights and have PAST YOUR INVESTIGATION TIME FRAME BY 90 DAYS I DEMAND DELETION AT THIS POINT. XXXX  Please DO NOT respond with your stall tactic saying authorization is required or I will file FTC COMPLAINT FOR NON-COMPLIANCE. Please consider this my written authorization with my proof of my identity attached. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have reached out to Wells Fargo on several occasions each time I was denied a hardship application due to fact Wells Fargo refuses to provide consumer with written confirmation of their offer, then refuses to due business with any consumer that exercises their right to complaint with CFPB or seek class actions. 

I have made several attempts to seek financial assistance through Wells Fargo hardship program due to XXXX, each time during discussion if I raise any concerns or ask for written confirmation my call is transfer to their escalation department, I then placed on permeant hold, then call is disconnected and I have to repeated this process now going on ( 3 ) months. 

Wells Fargo is engaging in discriminatory business practices against XXXX XXXX selectively declining hardship application and telling consumer if we exercise our right to file complaint or seek legal assistance they will not refused to provide assistance. I spoke with a representative by the XXXX and XXXX XXXX XXXX refused to allow me to complete a financial hardship application, both threaten to terminate call if I filed a consumer complaint.

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 2021-07-22 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2021 I reached out to U.S. BANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by her supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by U.S. BANK. Shortly after completing the transaction, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to U.S. BANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that U.S. BANK has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.

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 2021-07-22 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: TX

Complaint narrative:
Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back.

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 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
To whom it may concern, Pursuant to 15 USC 1692h. Multiple debts.If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. As a Federal protected Consumer I am demanding all past payments made on this account referencing the account number below, be sent back to me in a check by mail to the address provided below, as it is a violation of my rights as a federal Protected Consumer under Title 15 Chapter 41 and pursuant to 15 USC 1692h. 

Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Account number : 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 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I filed a complaint with CFPB back in XX/XX/XXXX Against my current mortgage lender. The company in question New Rez LLC. has rejected my application for a refinance once again. My original complaint # is XXXX. Please help me get out of my adjustable Rate mortgage and into a fixed rate mortgage with this company so I don't lose my home. They are my current mortgager and are not working with me to keep my home. I've been trying to get a fixed rate mortgage with them since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I have contacted the companies below via US Mail to first validate the date and then to offer a settlement amount so that I can be rid of these derogatory marks. After disputing with the three major credit bureaus, the debt comes back verified by their standards each time, however the collection agencies have not provided any documentation of the debt validation to me. In addition, I have mailed a letter requesting a settlement of the debt and they will not respond. The collection agency must respond within a certain timeframe in order to validate the debt and it appears that they can just continue to ignore my efforts to confirm what these debts are for and to come to an agreement on satisfying them. The most recent letters were mailed on XX/XX/XXXX. Previous letters were mailed XXXX, XXXX and XX/XX/XXXX. XXXX and XXXX has reported under several different names, including XXXX XXXX, XXXX and XXXX XXXX. This agency also continues to add additional amounts to the debt every few weeks, when is it obvious that I do not owe this company a dime and have never had any contracts or communication with them. 

XXXX and XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is what Equifax is claiming validates the debt between me and XXXX XXXX XXXX. XXXX XXXX capital. See file named XXXX  debt. I made the same thing up on my computer and I put Equifaxes name on it so this proves Equifax owes me money. If they are claiming that what XXXX submitted as proof of debt then what I am submitting prove Equifax owes me money. XXXX has not produced the credit card contract. They have not produced a receipt with my signature on it or anything else expect for a spread sheet that alleges I owe this debt. If Equifax allows XXXX to present that as debt validation then what I presented here proves Equifax owes me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Fraudulent account was open without my permission or consent. My phone number and other personal information was used to attend an account through a company called a Acima credit. 
Prior to contacting this credit company I had contacted the authorities, created a police report and a federal trade commission report of identity theft as well as provide it all supporting documents to all three major credit reporting agencies about the fridge in the intrusion an incident. 

The account was investigated as fraud through the credit report agencies and deleted as a fraudulent account. On the same day, this company reported this fraudulent account causing punitive damages and making it impossible for me to complete my mortgage transaction. From that I have lost my money due to these companies in ability to read a police report which defines all the information necessary to delete this fraudulent account. This company has done so and then has turned around and reverse the action the same day. This reversal from my understanding based upon the phone number that was used fraudulently to obtain many things including cars, credit cards and this account here. 

I feel that my rights have been violated I requested them to remove this fraudulent account based on the fact that they did not provide any information to me and they do not have an address where that information couldve been sent to where I could have received notice of this fraudulent account therefore preventing it from hitting my credit report and working through the fraud processes of clearing this account. Instead they proceeded to place the account on my report without any notification be sent to me that there is a debt with their company that requires attention or clarification. Furthermore, upon receiving The police report I didnt need that for four and supporting documents proving that a fraudulent transactions taken place, they still did nothing. 

I believe this companys practices are of a fraudulent nature to the fact that they are collecting on accounts even after the fact that they are deemed fraudulent accounts and they refuse to abide by federal and state laws that govern them and actions pertaining to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/21 my husband and I went to Kohls to purchase shoes for a wedding that we traveled 4 hours to go to. At checkout the associate asked if I wanted to apply for kohls rewards that would give us 30 % off, I said yes. She instructed me to follow the prompts on the credit card pin pad. Once I finished entering my information, she got on the phone which was strange to my husband and I so I asked why she was on the phone. She then said she was talking to the back office about my credit card application. 

I immediately told her that is not what she told me I was applying for and that I do no want a kohls credit card. She told me I would not receive the 30 % off then, I told her that was fine and I did not want a credit card so she hung up the phone. 

I was recently notified that Kohls is reporting a credit card to the credit bureaus. That kohls associate needs to be reprimanded for falsely leading me to sign up for a credit card and calling it " rewards ''. So I didn't get the 30 % off my purchase AND STILL received the credit card.

Company response to consumer: Closed with non-monetary relief