vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: WELLS FARGO & COMPANY
State: NH

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 XXXX Account Number : XXXX This is not mine. 

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

3. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

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

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 2021-11-11 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: DISCOVER BANK
State: NH

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 XXXX Account Number : XXXX This is not mine. 

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

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
On XX/XX/21 I called Amsher Collection Services to make a payment on a medical debt I owed. I have 8 accounts in collection with them since the medical facility seperated them all out. I called XX/XX/21 to make a payment on 2 of the accounts. One for {$96.00} and one for {$140.00} for a total of {$240.00} with the processing fee. I gave them my debit card infomation to process the payments for those 2 specific accounts. This would in turn close those 2 specific accounts and therefore reflect them closed on my credit report. I explained I would be calling in to make payments every Thursday from there on out. I told the representative I would physically be calling in to make the payments and not to post date anything. On XX/XX/21 I saw Amsher Collections had debited my bank account for {$240.00} without my consent and authorization. They did so which caused my checking account to overdraft and made my bank pull from my savings account which caused them to charge me an overdraft fee. I then checked my credit report and noticed my payments from XX/XX/21 were missapplied. The missapplied payments only closed 1 account instead of 2 which then caused a credit hit on the still remaining account. I called in to Amsher on XX/XX/21 to speak with a manager. I explained the situation to the manager XXXX, and told them of the multitude of errors they had caused. Missapplied payments causing a credit hit, drafting {$240.00} from my bank account without authorization. I told him to go listen to the call recordings and that each FDCPA violation could be hit with a penalty up to {$1000.00} not including legal fees. I explained I worked in collection complaince and if Amsher didnt want to reach a settlement on the phone I would be contacting the CFPB, XXXX, FTC . No resolution was attempted and XXXX ended the call. I am seeking a satisfactory resolution to the violations which not only caused my checking account to overdraft, but missapplied payments that caused an extra credit hit on an account that shouldve been closed if the payments had been applied correctly. If no resolution can be reached ill be contacting my attorney to subpoena the call records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
already lodged a complain but nothing is done Need my answers on breakdown of of principal of XXXX, deffered interest of XXXX, deffered principal XXXX and others XXXX.Need complete history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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:
XXXX XXXX informed me I do an excellent chance of receiving a credit card from Discover with a deposit. A credit card to improve my credit. My credit history very good. The evidence is I was late to pay Discover, but I paid every debt to Discover I owed to discover. The evidence is Discover will earn money by giving me a line of credit. Discover will be paid. Discover denied me a line of credit inappropriately. My credit score was negatively effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitalone sent me an invite to determine if I was pre approved or not, Capitalone pre-approved me and told me I was eligible to use many credit cards. I applied to receive a line of credit and I was denied. The evidence is I was late to pay during the past to Capitalone but I did pay every debt owed to Capitalone. The evidence is I will pay any debt owed to Capitalone as I have paid every debt I owed during the past. My credit score was negatively effected. The government is actively lying about me and I suspect Capitalone is cooperative of corrupt investigators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: DISCOVER BANK
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 DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been getting in touch with Experian and XXXX by phone and letters about the wrong address that is showing on my credit report several times since XX/XX/2021 I sent out several letters to Experian and XXXX with a copy of my SS # and driver 's license with the correct address so it would be easier for them to remove the wrong addresses that appear on my credit report. 
When I contacted Experian by mail starting in XXXX XXXX XX/XX/2021, I never received a letter in return explaining or verifying the wrong address on my report. 
I then started to call Experian to dispute the address and the employee insured me that they would fix the problem and now we are in XXXX and the wrong address is still appearing on my credit report. 
I would really appreciate if we could get this resolved

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 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine. 

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXX  showing on Transunion and XXXX 2. XXXX XXXX - XXXX that is showing on XXXX and XXXX 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; Transunion, XXXX, and XXXX is XXXX inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; Transunion, XXXX, and XXXX is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; XXXX is reporting inaccurate lates 4XXXX XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; Transunion , XXXX XXXX and XXXX is reporting inaccurate lates 5. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; Transunion, XXXX, and XXXX is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: UT

Complaint narrative:
I've been working to unfreeze my credit report since XX/XX/XXXX. I've talked to customer service multiple times, I've faxed in my information 5 times, mailed in my information 4 times, and Equifax refuses to help me. Every time they say my credit report does not exist, and that I need to send in my information, which I do, then I get the same response. 

On XX/XX/XXXX I filed a complaint with CFPB, XXXX, and Equifax told me to send in my ID, pay stubs, social security card, bank statements, and anything else to verify my identity. I sent the following to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX : - Copy of Driver 's License - Copy of Social Security Card - Two pay stubs - Bank Statement - Utility bill at my current address - XXXX Statement for my current address Upon sending those statements as well as copies of my credit scores with XXXX and XXXX, I got the same response from Equifax- my credit file does not exist. I have an open line of credit via a credit card at my bank. I verified with them that they are sending the credit info to Equifax, so they should have my file. 

I have been working with Equifax since XX/XX/XXXX and they have blatantly refused to help me. Even after I filed a complaint here at CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
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 XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AUTOMOTIVE CREDIT CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased - or I thought I purchased - a XXXX XXXX from XXXX XXXX. I was given a temporary tag even though I had a valid tag from a previous vehicle. After 30 days, I was given another temporary tag. I attempted to have someone in XXXX transfer my valid tag to no avail ; the vehicle was registered to someone in Indiana. I went back to the dealership and ... ... .surprise! They were shut down for fraud. I continued to pay the monthly payments to AUTOMOTIVE CREDIT CORP. XXXX is theis headquarters number in Michigan. As of XXXX of XXXX, they still were not sure of the ownership at which time they sent me a verification of VIN paperwork, which I provided to the Florida XXXX University police dept ( I believe ) i subsequently forwarded to ACC. Along with the vehicle giving me issues and the confusion regarding lien holder or title, I requested they come and get the vehicle, I'm not sure of the date possibly a month or so after. On time payments were reported until XXXX of XXXX. I was informed by ACC that I did not give them enough time to research and they've decided not only to butcher my credit but also to sue me. XXXX XXXX XXXX XXXX XXXX at XXXX. Apparently there is a judgment? I no longer live in the state of Florida. It's been extremely frustrating, why would I be responsible for a loan that was tied into this dealership? This financing was set up by the dealership, not me. I believe they should go after the dealership as another 100 customers did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX ( Auto ) XX/XX/2021 XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX  XXXX ( Miscellaneous ) XX/XX/2021XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: KS

Complaint narrative:
On XXXX I emailed the company FAYE SERVICING ( XXXX ) This email bounced On XXXX I faxed the payoff request to XXXX Per the instructions on their IVRU ( XXXX ) On XXXX I called in to see where the payoff letter was in the process of being sent and was told that it was scheduled to be sent to me no later than XX/XX/XXXX. I advised that the house was scheduled to be sold on Friday XX/XX/XXXX so it was imperative that I receive it as quickly as possible so the representative said he would put in a RUSH. 
On XX/XX/XXXX I contacted them again and was dismayed that the representative had no notes of a rush and said that they would deliver the payoff by XX/XX/XXXX. 

I asked that they send me the payoff immediately and they said the department that handles those is off and that they would again send a notice that they would RUSH it but would have no way of guaranteeing that the payoff would be sent by Friday. 

Their IVRU issues a Stern Warning that by calling them we acknowledge this is " An Attempt to Collect a Debt '' and yet when a consumer is making an effort to payoff the loan they do not comply with providing the Payoff Letter in a timely fashion. They can not hold my loan XXXX to milk additional interest out of me. They need to provide the payoff letter asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: DE

Complaint narrative:
On XX/XX/21, I received an email that an account had been opened in my name at Chime. I did not set up this account. I have since received several emails that changes have been made to my account, including the fact that direct deposit had been set up for this account but I did not do any of that. 
I have tried several times to reach Chime to let them know this is fraudulent and to ask them to close the account immediately, but nothing has happened. In fact, I cant get a person on the phone and no one responds to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer, natural person an Original Creditor of an open-end credit plan was denied my right of credit by Capital One was notified of the transgression of my rights specifically 15 usc 1601 The Truth In Lending Act by Capital One On XX/XX/XXXX via US mail according to 15 usc 1602 definitions of the Truth In Lending Act I as a natural person possessing an open end credit plan was harmed by Capital One adverse action taken against me denying my rights. And in Capital Ones Response to my consumer credit application Capital One also discriminated and discouraged me an applicant from applying for an extension of credit by noting in there letter that they are taking adverse action on the grounds of a consumer report that was provided to them by a consumer reporting agency called Early Warning Services which is a direct violation of 15 usc 1681m ( C ) ( i ) ( I ), ( ii ) which states that grounds for an adverse action can not include or be on the grounds of information in a consumer report, and can not be based off of information solely as to transactions or experiences between the consumer and the person furnishing the information. 

Capital one is now civilly liable for discrimination and discouraging me the consumer pursuant to 15 usc 1691e ( a ), ( b ) ; and Capital one is criminally liable pursuant to 15 usc 1611 for failure to disclose the cost of consumer credit pursuant to 15 usc 1611 and owes {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My lender RUSHMORE, had violated almost every right in the home owners bill of rights. I submitted a modification package they XXXX XXXX  service. Transferred me to RUSHMORE, not once have I spoke to my rep, in loan mods. They said the package wasn't received in time, they have a filter on the amount of data they can receive, I sent the package in 2 sections, they say it's incomplete, throughout they have dual tracked my loan, my daughter was hit by a car I missed court but had a PhD medical excuse, I had to refile my XXXX they sold my house without checking the XXXX filing after I told them I filed, i owe XXXX XXXX they say I owe XXXX because of their fees. 
I'm a 30 day period the changed my payment 5 times, the attorney without authorization raised my interest to XXXX when the cap on my modification is 4 %. 
During the pandemic they refused to grant me me a forbearance, for over a year the have applied undue influence upon my family causing such duress my daughter has been placed 3 separate times for 2 week periods of XXXX in the last 3 months, she still suffers daily from psychotic episodes. For a year they have tried anything to make our home unaffordable. All my escrows are caught up I'm behind {$8000.00} in XXXX. But they are penalizing me {$23000.00}. For year they have objected to my XXXX  while I paid {$700.00} extra to catch up. They use multiple servicers to act in a predatory manner behind the veil if their Servicers XXXX XXXX  pulled my mortgage out of the XXXX XXXX pool and privatized it to allow them to skirt forbearance and actively forclose my equity all while I'm waiting delays in Soc Sec XXXX review. They act in a usury fashion all the while their henchmen over at RUSHMORE sit on their UNPAID TARP ASSETS IN THE TUNE OF XXXX XXXX dollars of unpaid loans to he AMERICAN TAX PAYER. They should be shut down for there predatory actions and be forced to pay restitution to all the homeowners they have illegally foreclosed. Thank you for your time and consideration in this matter, anticipating your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation