vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 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: U.S. BANCORP
State: PA

Complaint narrative:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/ treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Elan Financial such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Elan financial and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Elan Financial XXXX, XX/XX/XXXX Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.

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 2022-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
In XX/XX/XXXX, I noted charges in an updated credit report that I did not make or authorize. After contacting Affirm directly, I was notified that there were XXXX active loans in my name. On XX/XX/XXXX I opened a complaint notifying Affirm of the fraudulent activity. On XX/XX/XXXX, the account information was updated to my phone number and email to prevent further access and loans. The same day, Affirm sent loan verification documents that indicated XXXX prior loans that were either paid off or cancelled. Again, I have never authorized ANY loans through Affirm. On XX/XX/XXXX, I communicated with XXXX and XXXX XXXX, the XXXX companies that provided merchandise for these loans but was told that I could not get information on the items purchased as the accounts were not in my name ( through those companies ). On XX/XX/XXXX I filed an XXXX Complaint. On XX/XX/XXXX, I was notified that XXXX of the loans with XXXX was written off on the amount of {$3200.00}. During this time, I also disputed the charges with all of the credit agencies. On XX/XX/XXXX, Affirm requested additional information which was provided. This same information was requested again on XXXX and was provided the same day. On XXXX, Affirm validated the debt and I called them again to report this as fraud. I was asked again for additional information which was provided. On XXXX, I received communication that the case was being escalated. On XX/XX/XXXX I was asked to completed an affidavit, which I did. The same day, I received a response that I was still responsible for the loans I did not take or authorize. This is despite showing that the last loan was taken out for XXXX Guitars and the items were not even shipped to my address. On XX/XX/XXXX I received notice that the second loan in the amount of {$700.00} was charged off. In consultation with my XXXX XXXX, I subpoenaed the account history including signature page for any and all loans, date of Affirm account being opened, name ( XXXX ) on account, phone number/email/address/any other contact information on account, payment information and any other account details on account. On XX/XX/XXXX I received a message from Affirm indicating they would not release information to a third party ( would not comply with my subpoena for records ). My estranged husband opened these account without my knowledge or permission and I am trying to prove that in court. As a creditor claiming I owe a debt, they are legally required to provide me this documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
My first card was mailed XX/XX/2022 and I never received it. On XX/XX/2022 at XXXX I requested a replacement card be expedited and was told I would receive the card in the mail by XX/XX/2022. The website stated my card would come in XXXX days but customer service had no definitive information regarding the card at all. I do not have access to my funds and it has become a burden to live without income. I can not pay my bills, or buy groceries. This is unfair to me and anyone else experiencing this. Card holder services US Bank Reliacard not having answers or solutions is unacceptable.

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 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax will not release my credit info to XXXX and XXXX XXXX. I pay a monthly fee to XXXX and Equifax is causing me an issue from being able to get all 3 scores. My Equifax credit score and report hasn't been updated since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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:
I have fraudulent inquiries appearing on my credit report that I would like to have remove. I have sent several letters out to this bureau and asked that they proof of my signature and authorization. They failed to do so I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union is reporting XXXX late XX/XX/2021 for XXXX XXXX XXXX XXXX This is incorrect.

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 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I am trying to get the mortgage company to end my enrollment in their bimonthly auto pay program wherein they charge me an additional XXXX XXXXXXXX. I've submitted XXXX written requests and received a generic reply that they will get back with me in XXXX to XXXX business days but the request never goes any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi bank closed my account out the blue after I got my tax refund! Before I got my refund I was using the bank just fine! Now they are saying they can't talk to me about my own money as if I don't have kids & bills! I want my money back! I should not have to wait 60 days to get my money back!!!!!!!!! That is not fair to me & my kids!

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 2022-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: FL

Complaint narrative:
This company AVANTE was placed on my credit report and i was miffed to see that they just showed up on my consumer report recently. I have never heard of this company nor have I done any contractual business in any way shape or form. I've sent two certifed letters requesting a true and accurate investigation to verify this alleged debt was furnished legitimately that i supposedly owe and to no avail was left with no response.

I never received a letter within 5 days of me disputing the validity of this alleged debt. I want this account closed in your office and permanently removed from my transunion consumer profile and not sold per my cosumer rights and fcra guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: Possible Financial Inc
State: IN

Complaint narrative:
On XX/XX/2022 I paid Possible {$330.00} to clear up my past due account. Prior to this, they reported to all three credit bureaus the amount of {$250.00}. I received the standard your loan has been paid off email and offer to reapply. Now, on my XXXX report it states the status of paid. Closed. {$250.00} Charged off and then again stating the balance of {$430.00}. It shows incorrectly on XXXX and XXXX as well! After emailing to request the account officially be closed ( email is the only way to speak with these people ), I was first informed that it would be processed but then was told that Id have to wait XXXX months!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: IN

Complaint narrative:
On XX/XX/2022 I paid XXXX  {$330.00} to clear up my past due account. Prior to this, they reported to all three credit bureaus the amount of {$250.00}. I received the standard your loan has been paid off email and offer to reapply. Now, on my Experian report it states the status of paid. Closed. {$250.00} Charged off and then again stating the balance of {$430.00}. It shows incorrectly on XXXX and XXXX as well! After emailing to request the account officially be closed ( email is the only way to speak with these people ), I was first informed that it would be processed but then was told that Id have to wait 6 months!

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 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
XXXX sent my account to collections. After failing to reach a live agent with them, I reached out to the new creditor, XXXX. I was told that in order to get XXXX removed from my account Id have to pay them ( XXXX ). Since XXXX was the newest debt between the XXXX, I decided to pay XXXX and disputed XXXX. Now XXXX has been removed from my all my credit reports and XXXX is still showing as a delinquent account even though I attempted to pay through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Camelot Financial Services, Inc.
State: FL

Complaint narrative:
I applied for a payday loan a while back. I am receiving threats about a warrant for my arrest. Ive told these people I can not afford to make the payment amount the company is asking for. The company is Ace loan online. I can not afford to make payments because I live paycheck to paycheck. I even asked to set up a payment plan of XXXX dollars until the full amount of the dept is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
They first reported XXXX different balances on my credit report and my online account. I disputed this with XXXX, and it was removed ( page XXXX of attached file ), but its still showing with the other XXXX with differing balances. The car was totaled and paid via insurance and what was suppose to be gap insurance through the lender. The debt does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage Capital, Inc.
State: TX

Complaint narrative:
FRAUD, FRAUD, FRAUD I am the property owner of XXXX XXXX XXXX XXXX. XXXX, TX. XXXX. The home was rented to XXXX and XXXX XXXX in XXXX. In XXXX we completed a warranty deed transfer so the XXXX 's could purchase the home on XX/XX/XXXX. They were unable to obtain a mortgage so I verbally extended the agreement to XX/XX/XXXX in which they were again, unable to obtain lending. I hired an attorney to draft a Deed in Lieu document to have the deed transferred back into our name. The XXXX were asked to sign and return the documents on XX/XX/XXXX with an anticipated move out date of XX/XX/XXXX. Since XX/XX/XXXX the XXXX have been unresponsive. On XX/XX/XXXX a notice to vacate was sent via certified mail to the home. On XX/XX/XXXX I receive a payoff request from XXXX XXXX. On XX/XX/XXXX I receive an email from XXXX XXXX stating they are attempting to obtain lending on the home and expect to be funded by XX/XX/XXXX. XXXX. Upon review of the document I notice strange issues and begin contacting entities and parties denoted on the loan documents. I find that no one listed on the document is aware of the loan origination. I personally spoke to the loan officer XXXX XXXX and sent an email but was informed that his email is not XXXX XXXX XXXX Instead, the email belonged to his son XXXX XXXX. I will be filing an eviction on Monday XX/XX/XXXX and am very concerned there's fraudulent activity occurring. I've notified all parties involved and am not sure what the next step is to protect my family and assets. 

Not attached, but I do have proof of above information if required. 

Attached is the loan paperwork received from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: AZ

Complaint narrative:
To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement. 

This issue was submitted to the CFPB with no action or direct response to my issue. A general statement was your companies response which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/2022 I have contacted XXXX, XXXX and XXXX several times about the inaccuracies on the Dept of ED/ Navient and Navient that are being reported. Also there is a problem with the days being reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was not able to pay my debt to Discover Bank Credit Card. I tried to work with them to get the interest rate reduced and a payment plan that I could afford but they were not reasonable. On XX/XX/2021 I recieved form 1099C cancelling and forgiving my debt to Discover Bank. Since this form is reported to the IRS as income, I do not owe the debt of. {$6300.00} to Discover Bank anymore and they need to report to all three credit reporting agencies that I no longer owe this debt and the status should change from charge off to cancelled with XXXX owed. This debt forgiveness substantially reduces my overall debts and aids me in repairing my credit. NOTE : I did NOT declare bankrupcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: NY

Complaint narrative:
In XXXX of 2021, I verified with XXXX, the amount needed to pay off my balance. Proceeds from a XXXX debt consolidation loan were directly paid ( by XXXX ) to XXXX XXXX on behalf of my consumer account. In XXXX of 2021, I made an additional payment in the amount of " {$10.00} '' to cover the remaining interest due so as to alleviate my debt obligation to this creditor. I had no intention of making any new purchases on this account as my income is now limited due to a visual impairment and a host of other serious medical conditions which have rendered me " XXXX XXXX XXXX XXXXXXXX '' as recently designated by the Social Security Administration. I did not make any additional purchases nor did I authorize any additional charges to my XXXX credit account beyond the date of my final interest payment. Unbeknownst to me, in XXXX of 2021, XXXX, billed some type of fee in the amount of " {$21.00} '' to my " zero-balance/inactive account. Again, I had satisfied my total debt obligation to this creditor as of XX/XX/ 2021, and though I did not close out my account, I had absolutely no reason to believe that further charges and/or late fees would appear. Debt consolidation was done for the purpose of better managing my personal health, familial and financial obligations by limiting my consumer debt burden. Never once did I have any late-payment credit bureau reporting while carrying a balance with XXXX. I should not be penalized for choosing to pay off my account debt. As a person with XXXX  and other XXXX, this situation makes me feel especially vulnerable and thoroughly violated.

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 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022, I became a victim of a scam attempt that used Wells Fargo ( WF ) XXXX 's service to obtain money from my bank account. The perpetrators used a caller ID that matched the Banks customer service line identically. I was instructed by the " bank rep '' to pay myself a grand total of {$3500.00} via XXXX to cancel out a hackers attempt who was trying to steal my money. I called Wells Fargo to confirm if this action reflected on their end, unfortunately it did not which resulted in my funds being stolen. I filed a fraud claim with WF and later found out that the claim was filed with the non-fraud department who denied my claim which resulted in a total loss. I later found out that XXXX XXXX XXXX ( XXXX  ) customers had also become victims of the exact same scam attempt I had been experienced. However, XXXX  obliged with their members request for protection under the federal Electronic Fund Transfer Act : regulation E, established by the Consumer Financial Protection Bureau. I attempted to file a new claim with the fraud department ( correcting WF initial mistake of filing with the wrong dept. from my first claim ) given the new intel on XXXX 's policies. After further review, WF pleaded that since I authorized the " transaction '' it is not considered fraud and they decided not to compensate me in any manner. I am filing this complaint to reveal that WF does not follow the federal law to protect its members and I hope the consumer financial protection bureau will follow up on this issue.

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 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with fair credit reporting Act XXXX XXXX XXXX with account number XXXX has violated my right.

15 USC 1681 Section 602A. State I have a right to privacy.

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

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 2022-02-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr Cooper is charging me like XXXX XXXX ( I have to look at my last statement ) because I was in a forbearance do to COVID. Are they allowed to charge me? Now I have additional money to pay on gop of my 50 year mortgage

Company response to consumer: Closed with explanation