vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit called a number they have on file for me that was unlawfully furnished and obtained by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had never paid attention to my credit report since I am living overseas. A couple of years ago, I received a collection letter to and old address used in the US and filled and issue with the FBI on a possible Identity Fraud Alert case number XXXX. I have recently notices I have two negative reports on these accounts XXXX  XXXX ACCT # XXXX BarclaysBK ACCT # XXXX Neither of these two accouts was opened or authorized to open by me. I suspect someone who worked for my sonsa and had access to the mail coud heve impersonated me and use my name to obtain these accounts.

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 2021-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I am working toward Public Service Loan Forgiveness and have FedLoan as my servicer. Four payments ( each applied to 2 loans ) from XXXX and XXXX are incorrectly listed in my account as ineligible for PSLF, and in XXXX I requested that these payments be reviewed again for PSLF eligibility as soon as possible. My loans were serviced by XXXX and FedLoan respectively during these periods. I have been employed since XX/XX/XXXX at an eligible 501 ( c ) ( 3 ) employer and, since I began repayment on my qualifying loans in early XXXX - after federal loan consolidation - I have been on income-based repayment and have only ever made on-time monthly payments on my qualifying loans. 

On XX/XX/XXXX I received a message in my account that FedLoan reviewed my account. It states that their records are correct and that they consider the matter closed. Although my payment due dates changed slightly over the years that I have been making payments, I have always made one qualifying payment per month. I am truly am at a loss as to why these wouldnt be eligible toward PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-19 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX A on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United PanAm Financial Corp.
State: LA

Complaint narrative:
UNITED AUTO CREDIT XXXX number from a lawyer keeps calling me with threating messages ; everytime that I try to call back the person can not verify me. this debt has been discharged since XXXX - my uncle took over this car loan in XXXX and has been deceased for over a year. I would like for this company to stop reporting this old debt on my credit report as it is hurting my credit score. 
XX/XX/XXXX, XXXX Contact Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX has previously reported to XXXX through 2 other debt collectors, a {$590.00} debt that they claim I owe. As a customer of XXXX I called their customer service multiple times complaining about my cable and Internet frequently being out of service. Being a visiting nurse, having Internet access so that I can document and get paid was detrimental to my job in livelihood. After multiple attempts with my requesting assistance or remedy, I was treated rudely I XXXX even my bill was not adjusted. After continued unavailable access to the Internet and then ability to do my job, I was forced to go with a different provider. When I canceled XXXX tried to charge me {$590.00} fee, for canceling services yet they were not providing me with the service that I needed and or paid for. I successfully disputed their claim of this debt with XXXX debt XXXX twice before with XXXX, and successfully won my dispute and it was removed from my credit at that time. I.C. systems recently called and threatened to damage my credit and to continue to report to the credit bureaus every 90 days the {$590.00} debt. I.C Systems reported to XXXX and XXXX again last week and again refused to resolve the matter when I called them, with continued threats of harassment by reporting me to the credit bureaus. XXXX did not recognize the XXXX debt collector as being a previously disputed debt that was removed previously when I was reported on XX/XX/2021, and it is now being reported on my credit report with a 34 point drop in my score. I contacted XXXX again today regarding this issue and they said that they would be opening my dispute again and connecting this debt collector with the previously disputed XXXX debt. Debt collector such as IC systems should not be allowed to continue to harass people like myself, and Im requesting that they be investigated.

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Regional Management Corporation
State: SC

Complaint narrative:
A collection agent from Regional Finance has been repeatedly and frequently calling and texting my phone attempting to collect on an alleged debt. They are also calling and harassing my sister about this debt and that's has been very embarrassing to me and my sister has told everyone in our family that I don't pay my bills and my debt collectors are harassing her. This is a serious invasion of my right to privacy and has been really stressful to me and causing me to have anxiety attacks. I am a XXXX XXXX XXXX XXXX woman with XXXX XXXX XXXX and regional finance has been violating Federal law FDCPA. I never gave them consent to contact me or my sister, they also sent me a letter stating I owed a debt along with other accusations. i have attached the threatening letter and date sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was informed by my bank that someone had opened an online bill pay banking account and opened credit cards under my name in different states with my persona profile such as social, DOB and other personal information. I have also been denied credit card due to this identity fraud and I need all the credit bureaus to please be informed of this occurrence so that I can be better protected. I am an elderly and they have even taken my social security money and need help protecting myself against these thief 's. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My loan was originally serviced by XXXX XXXX XXXX. After the coronavirus forbearance concluded, I applied for a loan modification with them and submitted a facially complete application and was approved for a loan modification on XXXX XX/XX/2021. Three trial payments were to be made by XXXX XX/XX/2021, XXXX XX/XX/2021, and XXXX XX/XX/2021. I submitted timely payments to XXXX XXXX XXXX on XXXX XX/XX/2021 and XXXX XX/XX/2021. My loan servicing was transferred to Freedom Mortgage on XXXX XX/XX/2021. I then made the final trial payment on XXXX XX/XX/2021 to Freedom Mortgage, completing the requirements of the loan modification agreement. However Freedom Mortgage has refused to honor the loan modification agreement, and on XXXX XX/XX/2021 started a new loss mitigation process and is requiring that I start the process over. This is in direct violation of 1024.41 which states : An application that was facially complete under 1024.41 ( c ) ( 2 ) ( iv ) with respect to the transferor servicer remains facially complete under 1024.41 ( c ) ( 2 ) ( iv ) with respect to the transferee servicer as of the date it was facially complete with respect to the transferor servicer. If an application was complete with respect to the transferor servicer, but is not complete with respect to the transferee servicer, the transferee servicer must treat the application as facially complete under 1024.41 ( c ) ( 2 ) ( iv ) as of the date the application was complete with respect to the transferor servicer. 

I called Freedom Mortgage on XXXX XX/XX/2021 XXXX Central Time to discuss this matter, and after 83 minutes, was advised I would need to complete their loss mitigation packet. These deceptive and predatory practices are intended to harm the consumer, and I am sure that I am not the only affected consumer and fear many others will be adversely affected by Freedom Mortgage.

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have contacted XXXX, Equifax and XXXX regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: MI

Complaint narrative:
I have contacted XXXX, XXXX and Experian regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-19 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: NY

Complaint narrative:
On the date of XX/XX/XXXX I contacted Transunion about the unverifiable accounts addresses and inquires pertaining to invalid and unauthorized information being reported by information being reported on my credit report. it has been over 30days since I have submitted my dispute and I have heard or seen any progress in an investigation

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 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened a Premier checking account with BMO Harris on XX/XX/2021 through a promotional campaign BMO had on their website. The promotion was for a {$400.00} account opening bonus if the consumer completed the following conditions : a ) setup a direct deposit with BMO, b ) deposit {$7500.00} or more within 90 days. 

Despite meeting these conditions, I never received my account opening bonus. This XXXX, I called BMO Harris several times at XXXX to follow up. Each time I called, there was a 20 min wait to even get to a customer service rep. Even after getting to the rep, I was bounced around to various departments - everything from sales to servicing. After the third call, I finally got to an agent who could look into my file.

BMO claimed that when I went through their online application, the " promo code '' was not filled in. I explained to them that I applied through a promotion they ran directly on their website. I did not see any promo code requirement nor did I see a place to enter a promo code on their online application. Furthermore, I asked them even if there was a promo code, why wasn't it pre-populated on the form for the consumer especially when I applied through BMO 's promotion advertisement directly?

Finally, since this was their " Premier '' account, BMO charges a monthly service fee if the account balance is not at least {$25000.00}. I was actually charged these fees for several months because my balance was under {$25000.00}. 

I am filing this compliant because I feel BMO ran a very deceptive ad campaign. Given how messy this whole experience was, I suspect other consumers have also incurred financial loss.

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 2021-10-19 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: MI

Complaint narrative:
I have contacted Transunion, XXXX and XXXX regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing

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 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I deposited a check in my business account with wells fargo. They put a hold on the check claiming that the signature did not match. the check was written from a customer that uses XXXX XXXX. Both bank accounts are located in the state of Maryland,. Called my customer to ask him to cancel the check, customer stated his check has already cleared his bank. I have called and stayed on hold with wells fargo for hours and hours with no resolution. They have directed me back to the other bank several times and XXXX XXXX  has stated several times they do not share signature cards nor customers phone numbers. One Wells Fargo customer service person even went as far to tell me that the federal reserve has my money and they are refusing to release it. I am a small business owner and this may not be a lot of money to some but this cost me 2 employees I now can not pay, they have bounced my business insurances twice now and have the nerve to charge me XXXX dollars everytime. Wells Fargo bank is killing my business with their unethical and unlawful business practices. They are virtually stealing from me and I want my money. I have two more checks from customers I am afraid to deposit for fear of never seeing my money. this bank is horrible, I want my money and monies lost from time spent dealing with them. 
I am now on hold waiting to find out a name and number I can use to file a lawsuit but they cant even give me that. This bank is just bad!!!

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 2021-10-19 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: IL

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

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 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I Filed a CFPB Complaint # XXXX in XXXX against TD bank in their response which is on record they stated that they run my credit to obtain my credit report during the investigation without my consent this is a violation and identity theft. They proceeded by saying i was disputing another account and obtained my alleged place of employment they infringed on my consumer right to privacy, They then had their logo displayed in the response letter which is a violation 15 USC 1692F ( 8 ). TD BANK IS CIVILLY AND CRIMININALLY LIABLE FOR A {$1000.00} PER EACH VIOLATION. 

I am sending this cease and desist as my warning before i proceed to getting ready for litigation and when that happens i will be seeking remedy for all the violations and emotional distress this has caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is 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 have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance {$7500.00} XXXX XXXX XXXX-XXXX-Balance {$21000.00} XXXXBalance {$0.00}

Company response to consumer: Closed with explanation