vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I have these items that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/WESTLAKE FINANC Account Number : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: MD

Complaint narrative:
I have sent certified letters to each bureau and they have not responded to show the account verified. Here are the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-08 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: MD

Complaint narrative:
I have sent certified letters to each bureau and they have not responded to show the account verified. Here are the following items : XXXX XXXX/ XXXX  # XXXX, XXXX XXXX/ XXXX XXXX, XXXX/ XXXX  # XXXX, XXXX XXXX/ XXXX  XXXX XXXX ,  XXXX XXXX  # XXXX ,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied to Citi mortgage on XX/XX/21 to refinance my existing loan. Since then, I am getting regular requests to provide monthly statements and other documents that keep expiring as Citi is unable to close the loan. 

My loan has been in the C & I Approval Final stage since XX/XX/21 and Citi keeps moving the date back to actually close the loan. The process has been tremendously frustrating. I have asked multiple times to provide me clear instructions on what's needed and when the loan will close, but there is no clarity on this matter. All the documents that I originally provided are expiring as they are usually valid for 4-6 months at most.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
TD Auto Finance- Inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company already about this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This just proves that 3 Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, and the balance is XXXX. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was already paid. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise correct or update this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: AL

Complaint narrative:
Collection is not from original creditor, Ive already tried to fix this problem with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
There incorrect information on my credit report that I have repeatedly tried to correct, and the reporting agencies and auto loan companies continue to give me the run around. Spoke to a representative from TD Autofinance named XXXX XXXX on XX/XX/2021 at XXXX and that was the last straw.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: IL

Complaint narrative:
I written a letter to Experian and XXXX disputing a bankruptcy on my credit report. They replied to be that they contacted the bankruptcy court and the court verify that they reported it. which is false. Experian and XXXX violated the FCRA. I contacted the United States Bankruptcy Court of XXXX XXXX of Illinois. They told me that the court do not report any bankruptcies to credit bureaus, That a third party reports to credit bureaus. And a third party can not report. They also sent me a letter stating they don't report to any credit bureaus. This is what Experian wrote to me : The dispute for the bankruptcy named US BKPT CT IL XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 
Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Court Name : US BKPT CT IL XXXX Address : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX Type of Record : Bankruptcy Reference Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.

Complaint narrative:
On Friday, XX/XX/XXXX at XXXX in the XXXX, I sent, according to the bank 's instructions, a transfer form for XXXXusd to my investment account in XXXX XXXX ( broker 's account ) After all day Friday with no response, I contacted the bank 's customer service to get a response. At the end of the same day, they tell me that the bank does not want to make the transfer because the money had entered less than 10 days ago and the amount was very high. 
Accessing what the bank indicated to me, on Tuesday, XX/XX/XXXX, I again request the bank transfer for XXXXusd via email and the bank does not respond to me again. 
Being today, XX/XX/XXXX, I keep trying to receive a response from the bank and I still can not use my money. Nobody responds. 
I understand that it is my right as a user to have my money. At the time of opening the account, the bank did not specify that it could not receive and send transfers. Nor did they tell me that at some point I would not be able to have 100 % of my capital

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: LA

Complaint narrative:
There incorrect information on my credit report that I have repeatedly tried to correct, and the reporting agencies and auto loan companies continue to give me the run around. Spoke to a representative from XXXX XXXX named XXXX XXXX on XX/XX/2021 at XXXX and that was the last straw.

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 2021-09-08 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: LA

Complaint narrative:
There incorrect information on my credit report that I have repeatedly tried to correct, and the reporting agencies and auto loan companies continue to give me the run around. Spoke to a representative from XXXX XXXX named XXXX XXXX on XX/XX/2021 at XXXX and that was the last straw.

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 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with Account Number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Someone got a phone and service in my name without my authorization and I have been trying to fight this on and off for several years and it keeps coming back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: MS

Complaint narrative:
XXXX XXXX XXXX Loan Amount {$27000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX  XXXX XXXX Loan Amount {$500.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$250.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$40.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX Loan Amount {$15000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX  Loan Amount {$83.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX Loan Amount {$27000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX XXXX XXXX Loan Amount {$500.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$250.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$40.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX Loan Amount {$15000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX Loan Amount {$83.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this 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 non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -with Account Number XXXX that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 Credit Bureaus and found that this XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) was reporting to be negative on XXXX and XXXX Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian received an Identity Theft Report in according with FCRA requirements on XX/XX/2021. Pursuant to FCRA, Experian is required to block the information provided as a result of identity theft. Instead, Experian added a fraud-alert and opened a dispute. Upon re-investigation by Experian, they concluded the accounts I stated were identity theft, were verified and accurate. There are several problems I'd like to point out. First, Experian does not have the proper tools in place to ensure fair and accurate credit reporting, this is evidenced by receipt of my complete identity theft report required by the FCRA and the consumer reports I have on record of the alleged information still being reported on in my file. Experian chose to follow the guidelines for implementing the fraud alert and requiring my direct consent prior to opening any accounts, even though I did not direct then too as required under 15 usc 1681c-1. Experian received my Identity Theft report and demand to block, followed a few of the federal rules and then violated many others. Is Experian is not required to follow the FCRA laws? Additionally I have contacted Experian after they did follow federal rules, in good faith, to address their failure. They continue to run the automated program that disputes the information and fails to conduct a reasonable investigation which allows for the continuation of abuse and harassment through my consumer report. Consumer laws were written to protect me from this kind of behavior. Congress has stated several times that it is your grave responsibility to report accurately. I am prepared to sue Experian for their failure to follow federal laws which have now harmed my reputation and are harassing and oppressing me and my family.

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 2021-09-08 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: Complete Credit Solutions, Inc.
State: DE

Complaint narrative:
Complete Credit Solutions is attempting to collect an alleged debt in which I have informed them that I do not owe. I have requested validation of this alleged debt several times ; Copies of documents bearing my signature that clearly state that I have a legally binding and contractual obligation to pay them, the full names, address and direct telephone numbers for each individual they contacted in the course of their investigation to validate this debt. I have been asking for validation for over 60 days and they have failed to provide it but continue to report negative activity on my credit reports. This should be ceased immediately and I demand that this account is removed from my credit reports immediately upon receipt of this complaint. 

Furthermore, this morning I was made aware that Complete Credit Solutions INC attempted to obtain a copy of my credit report from XXXX under false pretenses and knowingly without a permissible purpose. I did not apply for credit with Complete Credit Solutions INC, they are a collection agency. For this violation alone, they are liable for {$1000.00} in damages as per 15 USC 1681n ( b ) Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I have attached the picture of the alert I received from XXXX displaying their company 's name, address and today 's date when they attempted the credit inquiry. 

Please be advised, the mere fact that you have my name, address and social security number does not suffice as proof of validation. Please be aware that I am maintaining an ongoing documented record of my communications with you for the purposes of filing a complaint with the FTC, Civil Court and the state of Delaware Attorney General 's office if the matter is not satisfactorily resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Continuation of XXXX : Good afternoon CFPB, Continuation of the prior complaint. 

1. The current review by XXXX XXXX is insuffiencient. Mr. XXXX XXXX works for WF and I provided all the information to XXXX. He worked in the XXXX  XXXX office as a mortgage initiation office and was part of the team. The loan to value for the property was upside down, I tried to not close, discussed the matter with Mr XXXX. I was threatened with litigation by the XXXX  XXXX Team including Mr XXXX. The loan had no merit and put me in a uncomfortable position. The bank, Wells Fargo, was complicit and an active player in this freudulance process. 
2. The loan was reevaluated in 2017 a year after the judgement against WF and no mention was made to that judgement during a very arduous process with WF. As a feduciary, they have an obligation to their customers to disclose such items. That is fraudulent, and unethical.

3. Please explain why I received a check with an appology letter from Wells Fargo for their fraudulent activity regarding my loan. Please have WF provide a written document elaborating their fraudulent activity regarding the loan in question.

4. Please provide contact for legal representation with an appropraite legal office to deal with Wells Fargo. And the legal department at Wells Fargo to advance this issue professionally. 

Thank you, 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 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
May 0f 2021 I received a 0 % balance transfer offer from Barclay's/Frontier Mastercard . On XX/XX/2021, I used one of the promotional checks and made it out myself to deposit in my bank account. The check was returned NSF. Barclay's/Frontier charged me a return check fee of {$26.00}. I am disputing this fee. I contacted Barclay's/Frontier several times concerning this issue. I was informed by reps from Barclay's/Frontier that the promo check that i deposited was from a " closed account '' and that the return check fee I was issued is a valid charge. My account is open, in good standing with an available credit line of {$23000.00}. The check that was deposited was for {$18000.00}.

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