vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mobiloans, LLC
State: AL

Complaint narrative:
On Tuesday XX/XX/2021 at XXXX from XXXX calling me regarding proceeding office said a complaint had been filed against me. I told her I was unaware of what she was talking about. A few minutes later my wife called me and said someone had called asking for our daughter ( XXXX XXXX XXXX said they had a complaint against her and then they ask for me ( XXXX XXXX ) to make the long story short this cause a a big family mess because my called my daughter which is in school got her very upset my wife was thinking she had to sneaked and took out a loan which was not the case. I then called the number XXXX gave them the # XXXX and spoke with a XXXX XXXX and asked him why was they calling asking for my daughter he told me that sometimes they will even reach out to neighbors and other family to reach a person this is a violation and he would not give me the address of the place he was calling from, he said he couldnt give out that information. Also he stated that this under the ( FDCPA ) can not threaten leal actions and at the end he said legal actions will be taken. This phone call was made on XX/XX/2021 at XXXX a.m. from XXXX. Please follow up with this and let me know the outcome thanks so much

Company response to consumer: Untimely response
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$95.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Personal Loans made an on-line loan in the amount of {$20000.00} to a person using my identity. Reviewing my credit report, I see that they are showing it delinquent and dadding on additional charges. I did not file this application, I did not authorize this loan and I have been notifying them since the end of XXXX that it is not me. 
Discover has indicated that they are investigating, but in the mean time their negative references are affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NC

Complaint narrative:
The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. It's important to recognize when the FCRA has been violated and it has so in my case account under the name open sky also known has capital bank has violated against me. Number one they have been reporting late payments on an account thats was closed on XX/XX/2021. They have Been reporting late payment from XX/XX/2021to present day XX/XX/2021. 2 they have been reporting inaccuracies payment reporting to all three credit bureaus I have disputed the information and it has not been updated to correct these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NC

Complaint narrative:
The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. It's important to recognize when the FCRA has been violated and it has so in my case account under the name XXXX XXXX also known has XXXX XXXX has violated against me. Number one they have been reporting late payments on an account thats was closed on XX/XX/2021. They have Been reporting late payment from XX/XX/2021to present day XX/XX/2021. 2 they have been reporting inaccuracies payment reporting to all three credit bureaus I have disputed the information and it has not been updated to correct these violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX, this home was sold on XX/XX/XXXX. XXXX XXXX and Equifax are still reporting this closed account as being delinquent. The account was paid in full and fully satisfied on XX/XX/XXXX. Attached please find a copy of the Deed of Release, letter from XXXX XXXX and the credit report screen shot showing the issue. 
I am unable to obtain a mortgage due to this inaccurate reporting when XXXX XXXX  pulled my credit report Equifax was showing this incorrect information. I have contracted Equifax and XXXX XXXX myself and to date this issue is still not correct. I have filed prior disputes with Equifax and to date this issue has not been resolved. This is causing an undue hardship to my livelihood. 
The attached shows XXXX days late and with last delinquent date XX/XX/XXXX. 
I would like all derogatory remarks removed from this account to show it was paid in full and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I filed a dispute with Capital One Bank regarding account # XXXX. The results came back they sold the account to XXXX XXXX XXXX XX/XX/2018. I contacted XXXX XXXX XXXX and XXXX ( the representative from XXXX XXXX XXXX ) stated that there is no account under my name or social security number or my phone number. This is being reported inaccurately and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NV

Complaint narrative:
I filed Bankruptcy in 2017 and my three XXXX accounts were all included and written off. XXXX XXXX and XXXX are reporting correctly however Equifax on all three XXXX accounts are reporting balances in error. This is causing a 80 point drop in my Equifax score and I need the balances updated to show {$0.00} owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I received a debt collection Letter from Credit Collection Services stating I owe them {$110.00} XXXX formally dispute that amount because is not a valid debt. 
I'm attaching my formal dispute Letter in this inquire along with the letter I received from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NE

Complaint narrative:
An account was opened in my name, but I have never heard of the address or the name of the company that some one opened an account with. 
PennCredit corporation is the collection agency trying to collect the debt. 
The company is suppose to be XXXX XXXX, may be in Texas, it does not say. 
The address they have for me is XXXX XXXX  XXXX XXXX. 
When I called XXXX energy they can not find an account for me. 
XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX there phone # is XXXX Creditor XXXX XXXX no address XXXX XXXX I just received a phone call from XXXX They are asking for a report from The FTC and a police report. 
I do have a police report Thank you for your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have lived in XXXX XXXX. since I got out of the XXXX in 1970.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/01. They are attempting to collect a debt on behalf of PayPal. XXXX XXXX phone number is XXXX. Their reference number is XXXX. They provided the last XXXX digits of the PayPal account number as XXXX. The amount they are attempting to collect is {$38.00}. 

I called XXXX XXXX to inquire about this. I have never had a PayPal account. The letter had my name XXXX XXXX and my address XXXX XXXX XXXX XXXX GA XXXX on the letter. When I called they informed me that the email address attached to this account was XXXX. I informed them that this email address was not mine but my ex-wife 's. They told me I still had to pay or it would report on my credit report. They offered to settle for {$20.00}. I declined the offer because it isn't mine. 

I called PayPal and they have no record of the account. They have no accounts for me based on my name, email or SSN. I requested a letter from both XXXX XXXX and PayPal clearing this matter and both said there was nothing they could do. 

This is not mine and there is no evidence to the contrary. I do not want anything reported against me to the credit bureaus and I would like a letter from the creditors assuring me this has been cleared up and will not be an issue going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a Chase XXXX XXXX card on XX/XX/2021. The financial institution, Chase Bank, N.A. , INC denied my application after already entering into the consumer credit transaction. By placing my social security number on an application, creating a debt ( defined under 12 CFR 313.3 ) owed to the United States pursuant to 20 CFR 422.402, giving a security, this creates a financial asset. Pursuant to 12 CFR 360.6, Chase Bank N.A., INC is an investor ( defined under 12 CFR 360.6 ) in this financial asset. Chase Bank N.A. , INC has also accessed my credit report 4 times. This constitutes as unauthorized use pursuant to 15 US Code 1602p because everyone benefited from this transaction but me. After speaking to one of their customer service reps, he advised me that when I submit the application, I am giving them permission to access the account however many times they need to. After the information conveyed through this call, I went back to their application portal to find the terms and conditions, and no where in those terms and conditions does it state that by submitting the application, I give those permissions. This is fraud and 4 receipts from Chase Bank N.A. , INC are reflecting my consumer report. This is inaccurate information being reported and as a consumer my credit history is being impacted negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX, this home was sold on XX/XX/XXXX. XXXX XXXX and Equifax are still reporting this closed account as being delinquent. The account was paid in full and fully satisfied on XX/XX/XXXX. Attached please find a copy of the XXXX settlement statement, Deed of Release, letter from XXXX XXXX and the credit report screen shot showing the issue. 
I am unable to obtain a mortgage due to this inaccurate reporting when XXXX Mortgage pulled my credit report Equifax was showing this incorrect information. I have contracted Equifax and XXXX XXXX myself and to date this issue is still not correct. I have filed prior disputes with Equifax and to date this issue has not been resolved. This is causing an undue hardship to my livelihood. 
The attached shows 90 days late and with last delinquent date XX/XX/XXXX. 
I would like all derogatory remarks removed from this account to show it was paid in full and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
I contacted Equifax credit bureau in regards to a repossession account with XXXX XXXX XXXX XXXX XXXX. I cited - XXXX. EFFECT OF ERRORS OR OMISSIONS. I have older credit reports that I can provide to prove that this account has been reporting incorrectly. I have submitted them to Equifax on more than one occasion. Which lead to Equifax updating the tradelines but now with changing the original date of deficiency, causing this tradeline to remain on my credit reports for longer than it should. It is the responsibility of Equifax to report factual, and actual instances on my credit reports. Therefore they are in violation of my rights. This is not my first complaint with the CFPB, the last one did not merit any results. It only repeated what I said about having incorrect reporting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased my home XX/XX/XXXX and financed through XXXX XXXX  with a conventional loan. 30 yr fixed loan with 2.75 interest rate. Over the last yr they have been converted to Truist Bank. In XX/XX/XXXX I called in to get some advice and assistance with my mortgage payments because I was behind 2 payments around XXXX and had heard about banks helping with covid relief. I explain that my husband and I where still working however my husband was working more hours and making less money and where having a hardship. We had all our XXXX children living with us at the time. XXXX  over the age of XXXX and XXXX  under. And to please advise what programs where we eligible for. We talked about several different options. Forbearance, Which would put the owed amount to the end of the loan and loan modification which I stated I did not want a modification are the two I remember. Go back and forth talking with several different reps all telling something different which are noted in their notes the whole thing was very confusion. I also don't think that the reps where knowledgeable about there products and services. Right after that I excepted a 6 mo. forbearance and at the end, I paid the 6mo owed in full around the amount of XXXX. In XX/XX/XXXX I entered in to another forbearance that ends in XX/XX/XXXX. I called in to review my forbearance and pay off options. the Rep began to review my loan and informed me that in XX/XX/XXXX I accepted a modification that saved me XXXX a mo. bringing my payment from XXXX to XXXX mo. by extending my maturity date to XXXX and increased my interest rate to XXXX. I'm completely at loss, I would never accepted those terms had I completely understood. to save an immediate payment for XXXX in exchange for adding over XXXX dollars to my loan at least and doubling my interest rate. As a Financial institution they are required to not only do what is in the best interest for the company but also the customer. I believe with this being a conventional loan they did what was in the best interest of the company and there is no one they have to get approve with or answer to but the bank. This is an unfair practice and unethical and unfair to me the consumer. If this was a FHA loan they would have to adhere by so type of Federal guidelines. They have validated the unfair trade practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Home Equity # XXXX, this home was sold on XX/XX/XXXX. Wells Fargo and XXXX are still reporting this closed account as being delinquent. The account was paid in full and fully satisfied on XX/XX/XXXX. Attached please find a copy of the Deed of Release, letter from Wells Fargo and the credit report screen shot showing the issue. 
I am unable to obtain a mortgage due to this inaccurate reporting when XXXX XXXX pulled my credit report XXXX was showing this incorrect information. I have contracted XXXX and Wells Fargo myself and to date this issue is still not correct. I have filed prior disputes with XXXX and to date this issue has not been resolved. This is causing an undue hardship to my livelihood. 
The attached shows 90 days late and with last delinquent date XX/XX/XXXX. 
I would like all derogatory remarks removed from this account to show it was paid in full and closed on XX/XX/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 2021-11-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fein, Such, Kahn & Shepard, P.C.
State: PA

Complaint narrative:
Hello I opened a HELOC in XXXX. Paid on time every month. In XXXX the bank decided to sell our loan to another company. Before we knew this we were not late. 
We tried to make the payment and the account was close. No one had any info for me. 
Since that time I've opened other accounts and this issue never came up. 
In XX/XX/XXXX, I decided to try to put our home on the market, so I had a title search done, it was then that I found out that this other company had our loan. 
I called to confirm who they were after a couple hours and a call back I was informed that this company purchased my loan in XXXX from XXXX XXXX  now known as XXXX. 
It was Purchased for {$58000.00} and they are saying we now owe {$87000.00} They issued a complaint for foreclosure. I never received a Act 91, I never received any info or documents on who to pay how much to pay, and when to pay. 
I feel this is predatory because they allowed the interest to accrue without the options to pay. Keep in mind when they sold the loan I wasn't on any payments because I had to options to pay, One was going into the account to pay directly the other was drifted from the bank that I was opened with the bank. 
I am soliciting you help in this matter so this dose not happen to anyone else. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANDY SPRING BANCORP, INC.
State: VA

Complaint narrative:
Wife was victim of a phone scam. She sent money via our banking app, but we immediately identified it as a scam and tried to contact the local branch of Sandy Spring Bank. They refused to assist in the cancellation of the illicit fund transfer or assist in any sort of fraud reporting. We have lost {$500.00} to a scammer and the bank has done nothing to assist despite being notified immediately and having the ability to halt the transfer.

Company response to consumer: Closed with monetary relief