vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am not liable for this debt with XXXX  XXXX  and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked.

Account No : XXXX  Amount Disputed : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Purchased a 2021 XXXX XXXX and agreed to finance XXXX through Ally Financial in XXXX of this year. The terms of the loan were {$680.00} for 72 months. However after making three payments of {$680.00}, equaling {$2000.00} the loan has actually gone up from the amount I agreed on. The payoff today XXXX XXXX 2021 is XXXX, which is {$180.00} more than I even financed. I contacted Ally Financial and was told that {$13.00} was added to my account every day on top of the {$680.00}. So Ally financial is charging me {$1000.00} and my payments are only {$680.00}. So basically the loan is progressively going up instead of down and I did not agree to or sign a contract with these terms. It will literally be impossible to pay the vehicle off under these terms and the company has to know this and is deliberately taking advantage of consumers. I am also a XXXX veteran and feel as if I have been taken advantage of because of my XXXX status. I know I did not agree to this and Ally Financial should be investigated for illegal business practices.

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 2021-07-06 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: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MD

Complaint narrative:
I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, XXXX, Equifax, and XXXX. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter in regards to inaccurate and unknown things on my credit report. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 50 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I have sent to this company, 3 times in 3 different ways to request a " Goodwill Adjustment ''. 
1. Sent to Alliance Data, CEO XXXX XXXX ( manages Comenity Bank 's data ) via email 2. Sent in " secure message '' on the XXXX XXXX website XXXX XXXX is serviced by Comenity Bank 3. Sent to XXXX XXXX XXXX, CEO of XXXX XXXX. 
4. Replied to XXXX XXXX, Compliance Dept at Alliance I believe - she responded to XXXX XXXX 's letter. 

There are 2 late markers on my credit report from Comenity bank XXXX XXXX. I have asked - no begged for a " goodwill adjustment '' to have them removed, bc it was really due to no fault of mine. It was a Postal service error that caused the lateness. They are are refusing to help me out. I'm not even sure they've really read my letters bc some of the responses make no sense in reply to my letters. I really shouldn't have to be punished for a Post Office mistake ( please see attached letter ( s ). The letters that are not uploaded are the ones that I sent in secure message on the XXXX XXXX website and to Alliance Data via email. With all that's happening in this world today I don't understand why they can't be a little more empathetic for ONLY 2 late markers. 

Btw. In 2014 I had 9 late markers due to divorce and household income decrease with XXXX XXXX much larger company ). I sent them the same request and they removed all nine late markers. Why is Comenity being so stubborn for just 2?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please refer to Complaint # XXXX. 
I am refiling since that complaint was closed without the appropriate response, or solving the problem at issue. NOTE : I no longer own the property in question. 
As a XXXX XXXX XXXX XXXX, I do not have the time, energy or resources to keep fighting WELLS FARGO BANK, N.A. and/or WELLS FARGO HOME MORTGAGE ( WFHM ), [ also used herein interchangeably as WELLS FARGO ]. Therefore, I am pleading with the CFPB to demand that WELLS FARGO correct their errors where they incorrectly and falsely issued a XXXX Form 1099-MISC to memore than one year and a half after Chapter XXXX Bankruptcy filing was discharged ( and paid in full as agreed ). WELLS FARGOs actions in this matter is highly injurious to me and the additional stress is affecting my health and well-being. 
Please refer to my complaint XXXX submitted to CFPB XX/XX/XXXX ( now closed ) that stated the following : Wells Fargo Home Mortgage : Engaging in deceptive and unfair practices. My mortgage payments not applied, or misapplied. I was in a Chapter XXXX Bankruptcy, filed in XX/XX/XXXX, which was discharged in XXXX XXXX. According to my Trustee and Bankruptcy Courts, I fulfilled all my obligations including all payments to WFHM. I continued to make all post-petition payments each month. Suddenly, and to my astonishment, around XX/XX/XXXX, WFHM threatened foreclosure and is falsely stating that I am in default and owing {$23000.00}!! It is very suspicious that this happened only after I questioned them about why my monthly payments were " not applied '' after each payment and another issue which is not part of this complaint. 
1-I am requesting written proof from WELLS FARGO regarding " miscellaneous income '' allegedly paid to me and reported to IRS on XXXX Form 1099-MISC, in the amount of {$19000.00}. This documentation must show the date, form of payment, and all proof that the money went into an account belonging to me or was cashed/endorsed by me. 
I DID NOT receive any income from Wells Fargo! 
2-I am requesting written proof that the Bankruptcy Trustee was notified by Wells Fargo of their alleged " error '' of payments not received. Wells Fargo is making this claim, that they made an error, without substantiation. According to the Bankruptcy/Trustee 's records, no such notification was filed. All payments were made as required.

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 2021-07-06 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft SYNCB/TJX Account XXXX : XXXX This is not mine.

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 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XX/XX/19 I deputed victory secret and XXXX I wrote sprint telling them I never had a contract with the company, it was a refurbished phone. I paid cash for the phone. Victory Secret account they didn't respond too pay plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: KS

Complaint narrative:
I believe this collection company called State Collection Services Inc. violated the Fair Debt Collection practices act by attempting to collect a debt, which should be covered by my insurance 100 %. The collection company attempted to collect a debt using an automated service or robotic form of contact, by Text message, which occurred on Friday, XX/XX/2021. I had called the company and asked for a statement of charges, which has alluded me to believe that XXXX XXXX XXXX XXXX  shared my personal medical information which is located in Missouri violated my right to medical privacy under HIPAA. I do not owe the debt, and I will also like to include that I called my Insurance company, on Friday, XX/XX/2021, and they stated that XXXX XXXX never submitted the claim to my insurance. The collection agency stated that my insurance paid a portion and maybe I should call my insurance. My Insurance company has implicitly stated that XXXX XXXX never sent the claim to be paid. The collection agency also lied to collect a debt. I believe these are unfair practices and should be dealt with immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
For the reason that has not been revealed to me, US Bank has frozen my account and is closing it. I have attempted to close my account at the local branch where it was opened. They will not close the account. After numerous calls to US Bank, I was informed that it would take them 45 days to close the account and release my funds. This is ridiculous, and the resources the bank has frozen are resources that I use for my everyday living expenses.

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 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$19000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX Account Number : XXXX AMOUNT : {$110.00} Reason : Account is fraudulent Account Name : XXXX XXXX  XXXX ( XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$73.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX AMOUNT : {$720.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$880.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX AMOUNT : {$420.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2021-07-06 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: MI

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$19000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : XXXX XXXX  ( XXXX XXXX Account Number : XXXX AMOUNT : {$110.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$73.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX AMOUNT : {$720.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$880.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX AMOUNT : {$420.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 XXXX a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation