vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a phone call on XX/XX/2021, stated this Fraud dept for Wells Fargo Bank, saying there was a fraud on my checking account charges of {$1200.00} with XXXX  XXXX  and two more transactions of {$250.00} each then ask if someone by the XXXX XXXX ask twice if knew this person. I replied to him do not know this individual by the name of XXXX XXXX. At the time I was at home on my computer. I went to my email there was an email to me with Wells Fargo wire transferReciecipent add to My account which I didn't authorize person on the phone told me he was moving all my monies. One account and locking at That time money was the move from 8 accounts. One of my accounts wire transfer to a person by the name XXXX XXXX to XXXX XXXX in my XXXX there was an email added to my account Email address : XXXX. Wells Fargo ha has denied me 9 times. I also have a XXXX XXXX XXXX account Document that was submitted on XX/XX/2021, received on XX/XX/2021 cert # XXXX. 
Wells Fargo Claim # XXXX. It has been over 45 days since XXXX XXXX XXXX has not received the 609E process document

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 2021-05-05 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:
This company I C systems is trying is saying I owe them {$800.00} for a XXXX bill. I never had XXXX. My credit score dropped tremendously because of this.

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 2021-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. 01 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I filed a Chapter XXXX bankruptcy ( BK  ) inXX/XX/XXXX. My vehicle financed by Capital One Auto finance was not included in the BK ; I directly paid Capital One for the vehicle and paid off the vehicle inXX/XX/XXXX as the attached payment statements and other supporting documents will show. 

The BK was discharged inXX/XX/XXXX. ( Please see attached file ) Capital One is wrongly reporting to XXXX  that the debt was discharged in the BK. 

I have been disputing this issue with XXXX  since XXXX ; I have also reached out to Capital One Auto finance to correct the issue. Both Capital One Auto failed to report the account correctly. 

Please note I am denied credit for an account reported in a BK that was never in the BK and paid in full. ( Please see recent denial by XXXX attached ) Initially when I disputed the account in XXXX, XXXX  stated the BK will be removed in XXXX. Now XXXX  is saying the negative reporting will stay on my Credit Report until XXXX ; although the account was not paid / satisfied in the BK ; and the BK was filed in XXXX. This is 9 years ago. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX/XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
When I opened my credit card account back in XXXX. I was promised XXXX miles. I only received XXXX miles. I just traveled to XXXX last month and I heard the flight attendants advertising the same promotion of XXXX miles for opening up the same credit card. So I took the same application I filled out in XXXX. I have it here in front of me. Sure enough in the fine print, it says I am to receive XXXX miles after a net purchase is made within the first 90 days of your card account open date. My husband and I both opened our own accounts and should have got XXXX miles total. Barclays just called him today and said they were giving him the extra XXXX miles they promised. See attached photos.

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Plastiq Inc.
State: DC

Complaint narrative:
I setup an online account under my company with Plastiq through their online site. I never used their services. I attempted to close the account and deactivate but there is no option to do so through their online system. On XX/XX/21, I notified the company through their customer service email XXXX to cancel my account. I provided the email address in which I was still receiving notifications of account status. On XX/XX/21, I received a response from their support stating that the account had been deactivated. I continued to receive notifications. To this day ( XX/XX/21 ), I am still receiving notifications about my account from their system. I have contacted them about six times concerning these notifications and to delete any accounts associated. The company has responded twice stating that they are escalating the issue but I have had no resolution and no follow up communications. 

I believe this company has no intention to removing my information from their system as requested.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX to potentially buy a used car, a XXXX XXXX. I was approached by a salesman ( XXXX XXXX ) and gave me more information on the vehicle. I advised the XXXX XXXX that I have pre-approval from XXXX XXXX XXXX. XXXX XXXX advised me that XXXX is one of the lenders they typically use and the can view my pre-approval. I advised him that I did NOT want to have my credit pulled, because I don't want any other hard inquiries on my credit report. He then stated that with my pre-approval, that wouldn't be necessary. I then filled out some information about me and my wife to move further in the process. After the paperwork was complete the XXXX XXXX advised the business manager / finance ( XXXX XXXX ) to review and submit paperwork to blucurrent for finance approval for the car. XXXX denied the submission, I was then advised to go to XXXX to see why and if the denial could be changed. I went to XXXX and was advised by my loan officer that the asking price exceeded the value of the vehicle and they would be unable to finance that vehicle. On my way home I contacted XXXX XXXX  XXXX  and advised my XXXX XXXX that I would be unable to buy the car. A week later I receive a new loan application denial from XXXX XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX submitted an unauthorized loan application, I gave specific instructions NOT to run my credit or submit a credit application. The information I gave was specifically to look up my pre-approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
A collection was added to my credit report for the amount of {$200.00}. The collection was added to my report by Portfolio Recovery. The debt was with XXXX XXXX to which I was contracted to pay the credit card bill. The account was a secured account, to which my line of credit matched my deposit. I deposited {$300.00} to the account, which would cover the account if charged off. I have disputed this debt with Portfolio on several occasions, due to the fact I do not have an agreement with their company to pay any funds to them. They have refused to send any signed contracts and only provide a bill that does not list the full details of the account. A representative was contacted onXX/XX/XXXX, to which I was advised an amount lesser than the full deposit amount was applied back in XXXX. I have requested this information multiple times as I may pursue legal action against the company. To date, no signed contracts or a complete breakdown of how this balance originated has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Managed Recovery Systems, Inc.
State: SC

Complaint narrative:
I have attempted to contact this company due to me not knowing what this debt is for and, I have not received any proof of me owing a debt to Managed recovery system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: AL

Complaint narrative:
On XX/XX/XXXX I gave my son XXXX XXXX XXXX permission to drive my XXXX XXXX XXXX and on this day he was involved in a car accident which totaled out my car. My problem with this is the report has my information tied the accident along with his but it show my license number along with my Social security number. I need for this to be corrected because its affecting my car insurance rating. I need help with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
My husband got sick last year and ended up in the hospital all of our income went to pay for his care, he is on XXXX, he was making the house notes out of his XXXX, the bank did a return of the note and had to access to make a payment on line, nor view our account. do to the medical bills and working from home to take care of him full time my pay decreased for a little while. we are desperate to keep our home as we have no place to go if we lose our home.

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 2021-05-05 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
These companies all have fraudulently accessed my credit report without my signed consent.

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 2021-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
These companies all have fraudulently accessed my credit report without my signed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: OH

Complaint narrative:
I'm having trouble with dates because now I'm stuck living in a van pay pal - netspend my wife deposited money to the card for unemployment its been 6 weeks she has been paid back by me the funds were for getting my car from impound deposit went through used card for a small purchase to make sure it worked the next day went to get car didn't work called they froze it because I was primary she was secondarily on the card I'd verification I sent the socuments and called multiple times transferred to multiple departments supervisor fraud department asked for legal department feel like they are just putting someone else on the phone but caused me to lose my car job and place in 6 or 7 weeks wont accept documents after being told in the beginning that they would close the acc and mail me a check waited 14 days called card still active called they said sorry couldnt do it. And the are still taking their fees out but I cant touch it and I have called like 13 or more time 's sent documents 4 or 5 times I'm at a los they already ruined my life I feel like and instead of being able to fix it I'm stuck on a phone on hold with no real benefit card had XXXX dollars on it so I pay for the card the fee 30 days still held hostage except the exception I owe a monthly fee snatch ok were even but who are you again I'm at a loss and don't know what to do

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 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Office of the attorney general child support division, mailed a copy of a letter to my x wife that included my current employer. This is a violation of my privacy. the office of the attorney general has no right to tell my x wife my place of employment. 

Attached is a copy of the letter sent that verifies that they violated my rights. I circled the paragraph that shows the violation. Please block them from further collection attempts including but not limited to reporting to the credit bureau.

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 2021-05-05 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:
XXXX consistently does not report accurate information. The current balance is {$11000.00}. this needs to be updated and I will continue to complain until they do what is promised in the contract and consistently update paid status. This company is not a listed company on the credit union complaint site. Their information is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
OnXX/XX/2021 BB & T processed check numberXXXX for the amount of {$1000.00} and onXX/XX/2021 they processed check number XXXX for the amount of {$2300.00}. The checks in question were stolen. They were cashed by XXXX XXXX and XXXX in XXXX AL. I filed a police report for the theft of the checks with the XXXX, AL Police Department on XX/XX/XXXX and another report in XXXX Al on XX/XX/XXXX for check fruad. I also filed a report with BB & T. On XX/XX/2021 I received a letter from Centralized Fruad Claims denying my claim because of negligence in safeguarding access to account information and/or financial documents.

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 2021-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX Account Number : XXXX 1. XXXX XXXX Account Number : XXXX 3. XXXX/XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: ID

Complaint narrative:
I received a mailed account statement to an old address for a checking account that I did not open. I have contacted SunTrust ( Truist ) customer service to attempt to resolve the issue, and they are investigating. It is not clear to me how a banking account could have been opened with my information as a Social Security number would have needed to be supplied. This is extremely concerning

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 2021-05-05 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: NJ

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
American Honda Finance is still showing a closed and settled account on my XXXX  credit report from almost 8 years ago. The account has been settled and is not showing on either my XXXX or XXXX  reports. I have spoken to both Honda and XXXX  and both representatives are telling me it is up to the other to remove the account from my report. 

The account was opened in XXXX of 2013. XXXX  nor XXXX  required any action on my part due to the account being settled and being over 7 years old. So, I am not sure why XXXX will not just remove the account from my report and is asking for Honda to provide proof the account is settled when my report clearly states that the account is closed and settled. This is causing a XXXX point difference between my XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, and TXXXX XXXX XXXX XXXX scores. The ONLY difference in all three reports is the Honda account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a Capital One Credit that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I contacted Barclays and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by Barclay 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.

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