vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
my mother while I was in the military starting from XX/XX/18 took out 2 credit cards in my name using my social security number. I was unaware of these cards until the banks said that the accounts were closed due to inactivity and no payments were being made on the cards. the amounts were around XXXX on each card which but I am unable to look at the amounts since both accounts are closed now and the debt is still in my name. And now is on my credit report. the company were bank of America and XXXX card.

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 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is a fraud, and I will publish a new complaint everyday until my problem is actually handled. I had {$2000.00} stolen from my account and they dont care. They didnt bother to do any investigation. They continually tell me the same thing. Contact us to see what we used to research the claim. But they cant send anything because no one did any research. No one reached out to me to provide more information or to ask me about the charges so how could they testify that they completed a thorough investigation. And who completes a thorough investigation in two days? The company is just a fraud, and no one is of any help at the bank. Probably because Im an XXXX-American woman, had I been XXXX, my case would have been solved in my favor and Im sure of it. No one treated me with any kindness or regard to my money being stolen. Dont ever bank with this XXXX, company. I will be complaining everyday on CC, and social media platforms until I have my money back. I mean every single day. This is ridiculous.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I attempted to use a balance transfer to another Credit Card while i'm in an accelerated graduate school program for one year working part time. Instead of Bank of America processing the amount I requested, they processed a repeating payment of an amount I did not agree to my XXXX XXXX resulting in repeated cash advance fees. The repeating transfers were fraudulent and incorrect amount and I lost my promotional APR balance transfer on my new XXXX XXXX. Bank of America also closed my credit card account, negatively impacting my credit score. I tried to call and correct this with them and they hung up on me and did not return my call and proceeded to close my credit card 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 explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I had a payday loan due around XXXX/ XXXX of 2021. I was out of work and unemployed due to a XXXX XXXX until XX/XX/2021. I received numerous emails from an attorney claiming to be a representative of speedy cash. She warned me that I would be in a lawsuit with the company and if I wanted to settle this matter outside of the courthouse, I would need to make a payment or several payments. I was scared to be prosecuted and I knew that I had a late loan to pay so I didn't think anything of it. I sent them 2 payments of {$290.00}, 1 payment of {$250.00} and 1 payment of {$590.00}. I sent these payments through XXXX XXXX around XX/XX/2021. Today on XX/XX/2021, I noticed a withdrawal of the original amount due for the company through the company. I called the company explaining my situation and they confirmed that it was a fraud account. The email I was in contact with was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I talked to Capital One and the lawyers for Captial One and told them of the excessive late fees on my account during Covid. I also disputed the amount and they can't prove to me my purchases just late fees on my account. I ask them to take off the inaccurate amounts until they work it out.. They refused and I gave them 10 days to take off the charges or go to litigation. I have 3 accounts with Capital one and they have over XXXX in fees since covid. The hardship in paying my rent or credit cards and the excessive fees are not right. We are in a pandemic and you charge late fees or you don't negoitate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I WANT TO FILE A COMPLIANT AGAINST THIS COLLECTION AGENCY REGARDING AN ACCOUNT THATS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper a mortgage provider recently took over my mortgage from another company. I got a letter recently that they did not pay the insurance on my house even though the money has been in escrow. Ive tried calling them a few times and either keep getting put on hold or they let me speak to someone who is working from home who clearly isnt qualified to handle anything related to mortgages. The couple people I did speak to tell me that they cant get anyone on the phone from my home owner insurance company. I find that hard to believe that is the case. While i was on the phone with them they were magically able to get a hold of someone. After that the call got disconnected and the agent from Mr. Cooper said he would call me back or send me an email stating it was taken care of ... ..none of this has been taken care of. I did not ask nor did I have in any say in having Mr. Cooper service my loan. They are extremely hard to get anyone on the phone to help talk to and haven't fixed my issue. When they finally offered to help with a resolution I asked for an email confirming the issue was resolved they offered to send a fax ... ..its 2021 and they cant send an email? This company has very bad business practices and seems to be ran from someones garage. I did not ask to do business with them and its unfair how they treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
I rented a car from XXXX on XX/XX/XXXX XXXX, someone came and hit the car on on XX/XX/XXXX in XXXX XXXX XXXX There was a little damage to the driver side of the mirror. I reported the incident to XXXX, my insurance and XXXX XXXX XXXX. Since this was the fault of other driver XXXX dealt the incident with other party driver insurance. Now XXXX and collection agency is coming to me and saying i owe them money ( {$360.00} ). XXXX and collection agency is harassing me by making calls and sending letters. I made an attempt and explained to XXXX and collection agency on the situation. If there is anything they need to work with other party 's insurance and my insurance not me. I provided them the insurance information of both the parties. Please kindly look into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: WA

Complaint narrative:
I am filing the complaint against EQUIFAX, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastpoint Recovery Group, Inc
State: OH

Complaint narrative:
This lady XXXX XXXX has called numerous times not just me but my family members my brothers and my elderly father claiming that him and my mother are responsible for my debt if I don't pay now they're calling XXXX knows who else XXXX is claiming that she is a lawyer claiming that there will be criminal action against me if I don't pay a debt it's beyond ridiculous and it's very abusive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Receivables Performance Management , LLC is trying to collect for a debt that they are saying is owed. I spoke on the phone with them for XXXX minutes on XX/XX/2021. The companies representative said they can not provide me proof of verification of the debt I owe. I informed the representative that is a violation of fair debt collection act. The end result the representative never provided me with any validation of the debt.

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 2021-11-09 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: FL

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 involve in the process. This debt was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. Change the balance and status for legal accuracy. Otherwise, remove ASAP. 
CAPITAL ONE BANK USA ***** Opened XXXX. XXXX, XXXX XXXX {$460.00} XXXX Charge Off CAPITAL ONE ***** Opened XXXX. XXXX, XXXX Balance {$460.00} // Charge Off CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, XXXX Balance {$670.00} // Charge Off CAPITAL ONE ***** Opened XXXX XXXX, XXXX Balance {$670.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I just recieved a new credit card today (XX/XX/2021 ) from Bank of America. I did NOT apply for a credit card and I have no banking relationship with this bank. I tried calling, but it is near impossible to get a person that can help. ( no problem if you want to make a payment ) This is upsetting in that my credit score can be affected by another credit card with a credit line of {$16000.00}. 

Again, I did not apply for this card.

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 2021-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. Ive also never given this company permission to contact me and not only did this company contact me but this company contacted and harassed my family members as well which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me and my family. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XX/XX/2021 I received an email from Freedom Mortgage Company ( my current mortgagee ) that my loan application is complete. I NEVER APPLIED FOR A LOAN. On XX/XX/2021 I received an email requesting that I click on the above link to start the process & sign application. I called Freedom Mortgage and advised them that I had never applied for a re-fi. To which I was told that I had applied on XX/XX/2021. She indicated that " XXXX '' was my loan office and she would connect me with him. She then put me on hold only to return to advise that " XXXX '' was not available and would call me back to which he never did. Then on XX/XX/2021 I received another email stating that my loan application was being mailed to me via XXXX. I did receive the package, that I NEVER REQUESTED I NEVER initiated a loan re-fi with this company.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MI

Complaint narrative:
I purchased a Netspend Prepaid Gift card & loaded {$100.00} on it! I could use it immediately when I purchase it because I could not activate it online and had to wait till Net Spend open up. 

I was tall but thats better now I activate the card and will take 21 business days to return to be my hundred dollars.

I offered to pay for the money they took an overnight return since they have interest of my money and they refused. 

Ive never been notified by Net Spend I could not use their services if I had known about in the car in the car

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 2021-11-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX XXXX XXXX XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and hospitalized with XXXX  XXXX severe complications including XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX XXXX XXXX XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and hospitalized with XXXX  XXXX XXXX XXXX including 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 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have constantly tried explained that these account were open fraudulently. I have awaited a letter in the mail to dispute this and I have not received that. Every call I get from this company, I have explained that I am waiting on a letter to complete the next steps in disputing these accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Capital one did not disclose that they will be needing the original title had they disclosed that I would not have opted in to getting my credit pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
You are reporting the below accounts with a past due balance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletions have been removed. 

- XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: WA

Complaint narrative:
I am filing the complaint against XXXX, XXXX, TRANSUNION because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

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 2021-11-09 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: VA

Complaint narrative:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: GA

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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. The inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation