vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Capio partners reported a debt on my credit report in the amount of XXXX XXXX XXXX XXXX XXXX. For one, I have never received a notice from Capio Partners in the mail that I had the right to dispute the debt or any validation from them regarding this debt. This was reported on my credit report without notifying me or sending me anything in the mail. If I would have received anything, I would have been able to contact them and let them know that I had I insurance to cover this bill and XXXX XXXX had a billing issue. 
They violated the Fair Debt Collection Practices Act by not notifying me that I had the right to dispute this alleged account nor did they validate this account as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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: MI

Complaint narrative:
On XX/XX/2021, I received an email from XXXX XXXX XXXX XXXX. with the subject line " Important XXXX XXXX XXXX XXXX Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. 

After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation.

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 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I contacted Loan Depot on the week of XX/XX/XXXX to turn off ACH/Autodraft because I'm selling my home. They confirmed that day that it was turned off and that I would not have to pay my mortgage because the owed amount would come out of closing. I also was contacted by my title company and loandepot on XX/XX/XXXX for a payoff confirmation and during the call I had them confirm that autodraft was off, which they stated it was. On XXXX, they withdrew XXXX from my bank account causing me financial distress. I spoke with them the same day around XXXX and they told me it would be 48 hours before I saw the money back in my account. I spoke to them almost 48 hours later because I saw no pending transaction in my bank account. They stated that it was completed today and I would see the money later today or tomorrow deeming the previous statement a lie. I'm very concerned that I might not see this money back. Are they allowed to take money out of my account even after I have explicitly denied them authorization on multiple occasions?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
Ive noticed multiple reporting every week for the same account from Credit Collections USA. I called to inquire debt on XX/XX/2021 and asked them to remove the reporting errors since they reported the same debt multiple times. They refused to remove the errors and I advised I would seek consultation. I attempted to contact again the same day in attempts to speak to someone else to resolve, and an agent hung up on me when I asked if their calls were recorded. I called again and they advised they could not speak to me, even though I have no legal representation. I again asked if their calls are recorded and they told me no. 

My issue is the reporting multiple times within the same month for a debt totaling {$160.00}. They are within violation of FDCPA in reporting the same debt multiple times on a weekly basis. 

I request intervention to investigate this issue and seek resolution in their error and for all reporting to be removed. It is a small debt I was unaware of and will certainly pay. However, it has hit my credit EVERY week causing far more damage. 

Kindly investigate this issue with Credit Collections USA. # 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 2021-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
A representative called my house, my cell, and texted me in a matter of 20 at least 3-4 times, and then they proceeded to call my employer and misrepresent themselves as an employer for the XXXX Sherriff Department , they talked to three different people about a past debt, to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX now my employment is up for review, and I look like a criminal to my employers. In a time where we are dealing with a pandemic, I suffered a XXXX XXXX, which cause me to visit the E.R. and my character was defamed and defiled, by a debt collector who was abrasive, and lying about his/her position, and what they were doing. This debt is old, and should be charged off, but keep being resold for the purpose of embarrassing and harassing past clients. This is unwarranted and unlawful behavior, and will my attorney has been called and will also be reaching out out, no case numbers were left, only to say they are coming either to my house or my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, around XXXX XXXX, I noticed emails that informed me I had sent a wire transfer of {$4500.00} to an unknown recipient and a XXXX transfer for {$990.00} to another unknown recipient. I rushed down to my bank to have them reverse the transfers, as I never authorized them, I'm guessing my computer was hacked and somehow the hackers got into my online banking. Instead of immediately freezing my account and calling the banks where the transfers went to, the banker told me it didn't work that way and proceeded to call the Wells Fargo fraud team who assured me they would look into the fraud. They were fairly indifferent about how serious this was to me and took 8 days to complete their investigation, and finally sent me letters indicating that the wire transfers were not fraud, that I myself or someone I authorized, made the transfers and there was no way I was getting my money back. Talk about a slap in the face, all this from a bank that has been accused of fraud itself the past few years for opening fraudulent accounts under their customers names! Please see the attachments I have uploaded to you for all the details. Thanks

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 2021-11-03 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my Credit Report : XXXX XXXXBalance {$0.00} XXXX XXXX-XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from XXXX XXXX XXXX XXXX I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries.

I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

I have made an attempt to dispute this fraudulent inquiry with Equifax on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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:
This investigation has been a on going matter. Transunion, XXXX and XXXX sent me a credit report XX/XX/2021 stated XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has add a derogatory mark on my credit report per XXXX XXXX Upon further research this account, Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact or written signature this does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( Transunion, XXXX and XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately. please provide

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 2021-11-03 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:
This investigation has been a on going matter. XXXX, XXXX and Equifax sent me a credit report XX/XX/2021 stated XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has add a derogatory mark on my credit report per XXXX XXXX Upon further research this account, Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact or written signature this does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX, XXXX and Equifax has violated my rights as a consumer and im requesting legal action to remove this account immediately. please provide

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2021, Arvest Central Mortgage withdrew our mortgage payment in an amount that exceeded my normal payment by nearly {$1400.00}. I contacted them and the first response I received was " your county must have raised your taxes, resulting in an increase in your escrow. '' Knowing there was no way my taxes increased by that amount, I checked the XXXX County, Ohio website to see what taxes were paid on our 6 parcels and requested a copy of the recent escrow analysis.

It turns out that Arvest was paying on parcels that we did not own, paying incorrectly on the parcels we do own, and calculating our current and estimated future escrow account incorrectly. I contacted them again and they requested that I send them screen shots of the parcels we own, which I did. I am not sure why I had to be the one to tell them what parcels I own. I requested an accounting of where our escrow money was going, which I never received. Arvest stated that they contacted the county auditor to receive a refund of {$4200.00} for payment on a parcel of land of which we do not own. This was back in XX/XX/2021. It is now XX/XX/2021 and such refund has yet to show up on my account. 

Arvest stated they did have the parcel numbers incorrect. I then started receiving delinquent tax bills on 2 of our parcels. I reached out to Arvest again in XXXX and they stated they would pay it. I received another delinquent tax notice in late XXXX XXXX and reached out yet again requesting they pay the {$13.00} that was delinquent on 2 parcels. It appears they finally did. 

I also requested an updated escrow analysis that includes the correct parcels and taxes owed/estimated in the future in XX/XX/2021 and again in XX/XX/2021 and have never received it. In the meantime, I am still paying hundreds of dollars more a month because my account has yet to be adjusted for the overpayment of taxes and recalculation of future taxes. 

I have reached out to them via messaging and telephone calls multiple times asking they get this sorted and send me an accounting of just how they are using my money. This is mishandling of my funds and they continue to withdraw more money than they should each month. 

I can not get a straight answer from Arvest Central Mortgage and am extremely frustrated with this mishandling. I was on XXXX XXXX this summer and was not getting paid, so it was even more frustrating that they were charging way more than they should and mishandling the payments I was making.

It has been months since I requested this be taken care of and it has yet to come to resolution. I was told it could take 90 days for the refund from the county. It has been over 90 days and they did not adjust my account in the meantime. This was Arvest 's fault, yet I am still paying the price of their misuse/mishandling of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: DC

Complaint narrative:
Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice, congress said ANY card. My SSN Card is the credit card that was used to originate every consumer credit transaction on my consumer report. Every credit transaction involving the consumer was originated by the consumer using their social security card. Pursuant to 18 USC 8, all debts are the obligation of the United States due to the fact that the United States has been bankrupt since 1933 according to House Joint Resolution 192.

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 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Statebridge Company
State: NJ

Complaint narrative:
Dear Statebridge, Re : Attached XX/XX/XXXX Response Letter to the CFPB Thank you for the attached XX/XX/XXXX Response Letter to the CFPB. 
In the attached response you are advising account number for XXXX XXXX XXXX. 
How do you have access to XXXX XXXX XXXX records? Are you the same company? On what document were you relying to provide what you allege is the XXXX XXXX XXXX account number. Please provide a copy of the document ( s ) for our records. 

The payment history you enclosed with your XX/XX/XXXX Letter posts late charges and hazard insurance. 

Please note that the homeowner 's insurance was in place at all times and never elapsed and your payment history is incorrect and requires immediate correction in compliance to Federal law.

Please provide the applicable law that allows Servicers to charge late fees on deflated loans. Or in the alternative, take immediate corrective action. 

As per the attached XXXX XXXX XXXX XXXX Loan Schedule, the XXXX account number posted is neither of the account numbers for Statebridge or XXXX XXXX XXXX you provided in your letter. 

Your letter states : Statebridge Loan Number : XXXX XXXX XXXX Loan Number : XXXX As per the attached XXXXXXXX XXXX XXXX XXXX  Loan Schedule the allocated purchase price for XXXX account # XXXX is posted as {$330000.00}. As per the attached XXXX IRS FORM 1099-A, XXXX XXXX XXXX posted {$530000.00}. We demand a corrected and/or Void notice for this XXXX IRS FORM 1099A.

Provide the identity of the party and their authorization for you to act as their authorized represenative. 

We dispute and deny this debt and proof thereof as per all applicable law including but not limited to FDCPA and RESPA. 

Thank you very much for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
I am a victim of identity theft. Current banking app. Not once. Not twice. But three times allowed unauthorized individuals to take thousands of dollars of my money and left me stranded stuck out and not giving me provisional credit of which they informed me that I was entitled to. 

This most recent event XXXXcurrent Every transaction made on the account after that date was fraudulent due to the fact that I had lost/it was stolen, my phone ( the case is a wallet ) I am assumsing ( pure speculation ) by someone who knows me or presumably watched me pay for gas at the pump before. 

I disputing almost XXXX worth of transactions, as well as fraudulent XXXX XXXX transactions, uploaded to them proof of my identity theft affidavit with the irs as well as my ftc identity theft report. Signed affidavits, etc and nothing. They denied absolutely everything. When I asked for an appeal they said sorry, the results of the investigation are final they dont do appeals. Offered to file/submit police reports on ALL occasions. Their were three teen accounts with random names for which my account was being charged for. They denied this and removed the accounts, said they added XXXX login ( not true ) and charged me another XXXX to ship me a card. The last dispute in question is still under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
After receiving this paper bill through the mail, I called my dental office to verify. My dental office said I was all paid up and had a XXXX balance. The office XXXX confirmed that the bill was fraudulent, which is why I decided not to contact them but report them instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation