vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 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: PA

Complaint narrative:
On XX/XX/22 I sent a certified letter to EQUIFAX disputing the accuracy of account XXXX XXXXXXXX # XXXX due to inaccurate dates and payment information. EQUIFAX stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate payment history listed on the account. This is a violation of the FCRA since I never received credit or services from this company ( XXXX XXXX ) and thus a payment was never made. Also, the " Date of Last Activity '' is innacurate ( please see attached pictures of the XXXX credit bureaus showing different dates. These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. 

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have XXXX days to notify me they have received my dispute- they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: CO

Complaint narrative:
I have been disputing an account with Experian for a YEAR now. I have included all the letters that started back in XXXX of XXXX. 

I most recently sent them creditor verification for removal of this account on XX/XX/XXXX. 
I also included a copy of my credit report From XX/XX/XXXX and XXXX of XXXX. As you can see Experian deleted it ( I got notification on my Experian app that it had been removed ) and without any communication to me they XXXX it back on to my credit report, but changed the name of the creditor. You can see in the XXXX report its listed as XXXX ( which it has been this whole time ), On the XXXX report its listed as XXXX XXXXXXXX. 

They have violated MORE than XXXX FCRA regulations. As you can see both of the other bureaus have removed this account. This account was originally disputed because my information had been in a XXXX XXXX breach and this was XXXX of the accounts that was fraud. So after I sent in my police report, FTC Identity theft confirmation number, and dispute, Experian still refused to remove this account. And has yet to provide me with any documentation from the so called investigation they did. So a year of disputing this with them led me to again contact citi, to which they verified that the account was indeed fraudulent and I sent the letter to all three bureaus. 
Now this account should've been removed a year ago, but even at that this account is reporting PAID with outdated and unverified XXXX year negative history. which Ive also asked Experian to prove to me and they haven't. 

So, needless to say If this account is not immediately removed for good off of my credit report, I have a file of every single letter that Ive sent, all documentation from the police reports I filed, and every certified receipt copy of each letter I sent to experian, I will seek legal counsel and exercise every legal right I have against them for their blatant disregard for the law and carelessness on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
FRAUD ON MY WELLS FARGO DEBIT CARD. UNAUTHORIZED ATM WITHDRAWALS XXXX is still pending and the other happened XX/XX/2022 I have no idea how this happened but the total stolen was over {$1900.00}. 

exercising my rights to use Electronic Fund Transfer Act as i have notified my bank within 3 days of the transaction happening. 

Filing this complaint through CFPB because XXXX transaction is pending and i cant file a claim on them through the online banking yet.

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 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was selling a dress on facebook market on Monday XX/XX/XXXX to a person named XXXX XXXX and the person who bought my dress asked for my name and phone number under my account to zelle me the money and i provided them my email but then i got emails from a fake zelle email saying to follow procedures to receive the money and the first one was to send the tracking number of the package for verification.I did that.Then the next said to send {$600.00} for verification but will be refunded back to me and another email said that the person sent an extra {$600.00} to me so i had to refund it back and thats what and the last email said to zelle {$770.00} to finally receive the money fully to verify and the total of {$1900.00} will be refunded back to me. I then realized that the zelle email was fake and the person hasnt been answering me ever since. I ended up giving away what i was selling for free and lost {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

XX/XX/XXXX XXXX XXXX XXXX This account was in XXXX. It was closed out and reopened. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX  ( Keeps opening and closing the account as well as the dates continue to change, I have disputed this account multiple times. Spoke with XXXX XXXX, XXXX and XXXX. It is still on my account. )

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 2022-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to the credit bureaus and never heard a response back. The information on my credit report is inaccurate and affecting me getting housing. I do not know what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of XXXX, my home and I were the victim of Hurricane Irma. My family was displaced for 7 months and 5 days, not returning home until XXXX of XXXX. Under the federal government rule, SunTrust Mortgage was required to afford me a forbearance, due to the natural disaster. They honored this requirement. Once it became time to start making the payments again, I did so. Each time I mailed the mortgage payment, it was mailed back to me in the form of a SunTrust Mortgage check. I kept those checks thinking it was a glitch and would work itself out. In the meantime, I received paperwork that was a loan modification, for which I did not request. It was not made clear to me that I would need to modify my mortgage based on a natural disaster and therefore, the paperwork was set aside until I could understand it and reach out to ask questions. In the meantime, SunTrust Mortgage began foreclosure proceedings- for no apparent reason. Upon receiving notification of this, I immediately inquired what in the world was going on. I had never even been late on a payment. I was told the loan modification was to have been signed and that I had missed the deadline. I explained to them my dismay and their lack of communication regarding something so important, and I begged to be able to sign and send it back immediately, they refused. I brought to their attention the payments that I had made and that had been returned to me, they didn't want to hear it. Ultimately, they demanded that I pay {$50000.00}, in a very unreasonable amount of time, or lose my home. This set off another catastrophic series of events as the only way I could get my hands on that money was to take it out of my XXXX. XXXX. They adversely impacted my XXXX account balance. XXXX. They adversely affected my retirement timeline. XXXX. They adversely impacted my tax liability to the extreme. XXXX. You can imagine the mental anguish, as this entire process unfolded. 
As a part of the negotiation I requested that this not adversely impact my credit report as well, and they assured me that it wouldn't. I paid the {$50000.00} on time, immediately reinstating what I THOUGHT was my good payment history with SunTrust Mortgage. The relationship will NEVER be repaired. 
At XXXX of the most difficult times in my life, I believe SunTrust Mortgage took advantage of me and tried to steal my home. My home is worth substantially more than I owe and I believe this was an unethical play to take it from me. 
I hope the Consumer Financial Protection Bureau will protect me and my hard earned credit and require SunTrust Mortgage to remove this blemish from my credit report immediately. 
I believe they deserve their own consequences, but I'll leave that to the experts to decide.

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 2022-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

I then sent a second letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

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 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022 I stopped by the XXXX Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX to open a checking account. 

I believe I was discriminated against by Regions Bank because I am an XXXX American XXXX. 

I was interviewed by a female bank representative. During the interview she gave me the impression that I was approved for a checking account. I listened to all of the prospects and opportunities I would have as a Regions Bank customer. 

I previously had a good relationship and banking history with Regions Bank. I did experience some financial hardships while my account was opened but I resolved all balances with the bank. 

I was denied the opportunity to open a checking account. Regions Bank moved to deny me the opportunity to bank with them again. I believe this was done because of erroneous information in the XXXX XXXX reporting system. I also believe that Regions Bank - just like other banks have discretion to take XXXX XXXX and XXXX XXXX information at face value - banks also understand that the United States is still recovering from an international pandemic and not every person has a pristine banking history. Based on my previous history with Regions Bank - I believe the bank should have considered this information as well. 

I know banks have discretion because I was able to open a checking account at XXXX XXXX XXXXXXXX XXXX on XX/XX/2022. XXXX XXXX XXXXXXXX XXXX also received a notice from XXXX XXXX but based their decision to open the checking account on my previous banking relationship. They offered me a second chance checking account that actually exceeds my needs. Perhaps Regions Bank should consider other product offerings including but not limited to second chance checking.

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 2022-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This company is a horrible collection agency, they wont quit calling while I am at work. They keep sending me medical bills that have already been paid through another agency in XXXX, XXXX XXXX years ago. This collection agency keeps threatening me to sue me. I wrote them in XX/XX/2021 to get dates of service, what the debt was for and they will NOT respond. I wrote them a XXXX notice letter which is attached. Medical bills are not suppose to be on your credit report under the federal trade act so they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There was over XXXX dollars take out my account due to frauds and scams this monthly paystub this happened recently this week

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 2022-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA. XXXX work : 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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN IS COMMITTING PREJUDICE AGAINST ME NOT WANTING A CREDIT CARD. THEY KEEP TRYING TO SELL ME CREDIT CARDS TO BUILD UP MY CREDIT PROFILE. EXPERIAN IS SCORING A PAID ACCT AS POTENTIALLY NEGATIVE AND WILL NOT ALLOW ME TO DISPUTE DUE TO PREVIOUS DISPUTES OF ACCOUNT BEING FROM OVER 6yrs AGO. THEY WILL NOT UPDATE MY CAR LOAN FROM XXXX WHEN I MISSED PAYMENTS DUE TO COVID-19 PANDEMIC. THEY WILL NOT ALLOW ME TO DISPUTE DUE TO A PREVIOUS DISPUTE THEY DID NOT VALUE NOR CHANGE. I AM BEING CRIMINALIZED BY A CONGLOMERATE RAN BY XXXX XXXX LABELING ME AS A CREDIT RISK DUE TO REFUSING TO PURCHASE CREDIT CARDS, DISMISSING DEBT FROM OVER XXXX AND MARKING PAID IN FULL ACCTS AS POTENTIALLY NEGATIVE WHILE TELLING ME POTENTIAL CREDITORS WILL NOT LOAN TO ME DUE TO A THIN PROFILE MAKING ME A CREDIT RISK UNLESS I PURCHASE A HIGH XXXX CREDIT CARD FROM THEIR LISTED PARTNERS!!! I AM BEING VICTIMIZED BY EXPERIAN HOLDING MY FICO SCORE TO POOR ON ACCTS FROM XXXX THAT ARE CLOSED BUT THEY LIST IN RED POTENTIALLY NEGATIVE!!! EXPERIAN IS VIOLATING MY FREEDOM TO NOT CHOSE TO USE CREDIT CARDS AND REFUSING TO TAKE OFF DEBT FROM OVER 5-7 YRS DUE TO KEEPING PARTNERSHIPS WITH DEBT BUYING COMPANIES SOLD AFTER COMPANIES FILED BANKRUPTCY!!! EXPERIAN IS CRIMINALLY DEFRAUDING MY CREDIT REPUTATION WITH AN INACCURATE FICO SCORE THAT DOES NOT INCLUDE MY RENTAL NOR BILL HISTORY. I HAVE NO EVICTIONS, BANKRUPTCIES AND PAY ALL MY BILLS ON TIME. EXPERIAN HAS LABELED ME AS A POOR CREDIT RISK WITH A FICO SCORE OF XXXX USING XXXX CLOSED STUDENT LOANS DATED XXXX, AN OUTDATED PAYMENT HISTORY ON XXXX XXXX, XXXX BOUGHT DEBT OF {$610.00} DATED XXXXDISPUTE IGNORED, XXXX PAID BOUGHT DEBT FROM XXXX ALL LABELED POTENTIALLY NEGATIVE!!! I HAVE CLOSED MY XXXX XXXX XXXXXXXX CREDIT CARD ONCE IT WAS PAID IN FULL AND THEY REDUCED MY CREDIT SCORE BY XXXX XXXX KEEPING ME AT A POOR CREDIT RISK. EXPERIAN IS FORCING ME INTO PREDATORY CREDIT VULTURES WITH THEIR CRIMINAL TACTICS WITH THEIR DEBT BUYING PARTNERS AND VICTIMIZING ME BECAUSE I REFUSE TO PUT MYSELF INTO DEBT BY PURCHASING CREDIT CARDS!!!

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 2022-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My husband and I were struggling to pay the mortgage ; I was out of work and I had XXXX  and my spouse was a new attorney looking for a job. I contacted Wells Fargo and they offered me and my spouse a modification plan. My refuse to sign the paperwork and filed for divorce. He would not help me with the payments. I had to borrow money from family members to obtain an attorney in addition recover from XXXX. I obtained employment and I was told that XXXX couldnt help me unless my spouse signed a quick sale to me the home. He refused. I couldnt afford the back pay and they put my house on the foreclosure list. I had to file bankruptcy to keep my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting Act, the following companies below has violated my rights. 
XXXX. BEST BUY/CBNA Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. THD/CBNA Account # : XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX. Portfolio Recovery Associates , LLC has placed an account on my credit report that i'm not familiar with. I've filed a an identity theft police report, the case number is XXXX. The account number is XXXX the supposed balance is XXXX. The original creditor is XXXXXXXX XXXX XXXX & the Current Creditor is Portfolio Recovery Associates , LLC. 
I want this account deleted off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo continued to contact me by email regarding a credit card application ( that I did not make ) and subsequent credit card approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
This desperate company on the verge of bankruptcy is attempting to communicate with me from my original communication from over XXXX years ago! No, I am not interested in a mortgage from your company from XXXX years ago! However, this sham company is XXXX calling me numerous times and also via email. Immediately, cease and desist all communications! Remove all communications though e-mail, phone and US Mail. Phone number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CARS Acquisition, LLC
State: IL

Complaint narrative:
XXXX XXXX sold my contract with out me knowing and they didn't fix my car. And I'm paying XXXX a month I feel like XXXX XXXX scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX I was notified about {$9200.00} needs to be paid to National Credit system. XXXX inform me that debt was due to XXXX XXXX at XXXX XXXX XXXX, I called XXXX XXXX and was told someone used my ID to rent and did not pay some times between XXXX XXXX to XXXX XXXX.

Company response to consumer: Closed with explanation