vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 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: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
This student loan was in a repayment plan up until XX/XX/XXXX when I was told that the remaining debt was considered satisfied for less than the full balance following the plan completion. My parents received collection letters beginning in XXXX for an outstanding balance but I was never directly contacted. When I contacted Aspire Servicing Center about an outstanding balance of over {$1100.00} spanning 3 accounts in XX/XX/XXXX, I spoke with a representative and informed them that I had already paid off the balance following a repayment plan ending in XX/XX/XXXX. At that time, Aspire informed me that their legal team would investigate the account. Upon completion of the investigation, they informed me they would cease collection activities. I did not pay this account off in XX/XX/XXXX since it was already paid off as of XX/XX/XXXX, so the credit reporting incorrectly reflects the account as in a collection status from XX/XX/XXXX through 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 2021-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control corporation is a medical debt collection agency whereby I am XXXX  by medical doctors on my job and while employed in the ER, they then use whatever I say as fraudulent legal cases. 
Some medical facilities involved are ones in which I worked and may also be related to hospital billing. Took negative legal action, stole property, stole real estate and interfered in legal cases. 
May involve XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX with others. Targeting by doctors and their collection attorneys ... XXXX and harassment to illicit medical care then targeting for not paying the bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was married and my husband had opened this credit card on Bank of America in my name, transferred debts to that account and over one year managed to pay the entire debt without any missed payments or anything like it. Last month I was planning to use this card for the first time but while checking the app, there was no information about the account. Once I called the bank they told me the account was closed two days before, denying me an explanation or any information related to this account. I`m aware about my negligence related to my ex, what is being addressed in court. Now this unilateral decision of Bank Of America without any warning or even opportunity to revise the matter has caused damages on my credit and life in general. is absurd having this kind abrupt changes without justification.

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 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Good day, I have a fully fledged, verified corporate account with XXXX where I utilize their crypto currency exchange services. 
I recently had a deposit to my account of roughly {$500000.00} USD on XXXX XXXX, 2021, as I gradually exchanged and withdrew funds from the account, as of XX/XX/XXXX my accounts withdrawals have since been suspended because they are currently reviewing a Litecoin ( LTC ) transaction on my account from XXXX, 2021. I have now at this time {$350000.00} USD locked and unable to withdraw on my account. 
They said I could withdraw the funds in fiat and was told to reply to the support email once I would like to do so but there has been no response. 
I reached out to them multiple times via social media, email and internally opened a support ticket with no avail. 
I have lost a lot of money throughout this process since I can not withdraw these funds and that every day that passes the crypto market changes dramatically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit reporting agency ( CRA ) is reporting accounts that is not mine. Accounts were in litigation, I went to court and won both cases judgement in my favor. CRA still reporting accounts on my credit report after proof was submitted and court documents. 

Please see attached 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 non-monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: HI

Complaint narrative:
A fraudulent account with XXXX XXXX  was opened in my name. I never initiated or have ever had an account with XXXX XXXX. Subsequently, the unpaid account was sent to Enhanced Recovery Company , LLC who has been attempting to collect on the unpaid account. 

XXXX XXXX will not be able to furnish proof that I ever initiated the opening of any account with their company, including any signed documents in my name permitting them to begin service. I have never inquired about starting service either in writing or by using their website. 

Again, any account in my name through XXXX XXXX was opened fraudulently. 


The collection amount is {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
XX/XX/2021 Encounter a Fraud and Identity theft from Military Star Card that doesnt belong to me account # XXXX total amount XXXX had so been reported XXXX Customer Service From Military Star, and again on XXXX XXXX to so collection started taken on my social security account to reimburse debt, that doesnt belong to me and not responsible. I never had received any information or letters from Army and Air Force Exchange. 
XXXX XXXX when I notified Military Star Customer XXXX Service about fraud on my credit report they question asking for full name, XXXX City, State ZIP Code, and full social security number. Temp place on hold there after ask that my Identity theft being used, will close account and that I didnt had to pay on theft amount. They been so told to present I had never had a Military Star Card Account. 
I prefer a federal investigation into this identity theft who committed a crime, and question Military Star for answers to collection on my social security, and where, what address city and state identity theft military star card was mailed.

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 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was informed through Letter after the fact that Bank of America would be closing my account. I had over XXXX dollars in my account and was sent a check for XXXX dollars. Bank of America continues not to check into claims and send no real proof of the situation. I am beyond livid and will never bank with them again. They owe me over XXXX dollars.

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 2021-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My refinance loan was rejected by Processing Department based on incorrect information about two disputes that are over three years-old and/or paid in full. According to federal governments underwriting rules disputes over two years old and paid in full should be EXEMPT from consideration by the processing department. I suggest Mr. Cooper re-check their interpretation of the loan processing guidelines for these two disputes : 1. My wife 's credit report has a XXXX XXXX account ending in XXXX for {$460.00} is OVER 2 YEARS OLD and was PAID-IN-FULL 2. My credit report has nothing more than a " dispute comment '' related to the XXXX XXXX account ending in XXXX. The attached snapshot from my credit report shows a date of XX/XX/XXXX - over THREE YEARS ago! And the balance on my credit report is XXXX. In fact, this credit card account is active and current on all payments. 

Please also note that I contacted XXXX  XXXX  to initiate the removal of these incorrect dispute comments, however, I don't think there is any valid reason under loan processing guidelines for my loan to be rejected over these disputes even if they are on my credit report. These disputes have nothing to do with my creditworthiness. 
I have owned my home since XXXX and was never late on the mortgage for over 18 years. 

I have a strong income and huge equity. The underwriters keep coming back to ask for very small value items and they require conference calls with creditors to clear up trivial items. A huge waste of time and a very unprofessional company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In 2019 my ex boyfriend took my debit card card and ever since then I could no longer use my debit card. He tried to withdraw somehow someway XXXX and that was not even on the card. Ive had to use prepaid debit cards and I hate that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX Chrysler Capital added a derogatory mark on my credit report per XXXX XXXX. Upon further investigation, I have retained new copies of my credit reports, and noticed that Chrysler Capital did not furnish the credit bureaus with the required disclosure, within the period required by law. Chrysler Capital is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which Chrysler Capital signed for on XX/XX/XXXX XXXX. I have retained a copy of there signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that Chrysler Capital has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: PA

Complaint narrative:
Credit reporting agency ( CRA ) is reporting accounts that is not mine. Accounts were in litigation, I went to court and won both cases judgement in my favor. CRA still reporting accounts on my credit report after proof was submitted and court documents. 

Please see attached 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 2021-05-15 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: PA

Complaint narrative:
Credit reporting agency ( CRA ) is reporting accounts that is not mine. Accounts were in litigation, I went to court and won both cases judgement in my favor. CRA still reporting accounts on my credit report after proof was submitted and court documents. 

Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells fargo wrongfully closed my checking account. It was just after I opened it around XX/XX/2015. Wells fargo admitted in writing that it was due that I harassed XXXX XXXX constantly. XXXX XXXX is the one who harassed me and slandered me at wells fargo. But because she worked at a bank she could harass me. I never harassed XXXX XXXX. There was nothing with my first checking account either. But I was being set up by XXXX XXXX and the bank when my online account was disabled on XX/XX/2015. It took a week to open my new account. I never saw XXXX XXXX in the bank the entire week I went in the bank all up until the last day I had my checking account finishing opening. She purposely put herself at the bank. At the time I didn't know this was a setup. This was a crime committed against me. After I sat down with my banker out of the blue the XXXX XXXX police showed up out of the blue. XXXX XXXX was nowhere to be seen after I had sat down. The police saw i wasn't harassing her because she was nowhere to be seen. I don't care about wells fargo having the right to close your account. They weren't exercising their right to close it which they keep ignoring until XXXX XXXX falsely accused me to them I was harassing her. If I harassed her so much why was she at the bank to set me up. It was all a set up for her to be there with the other wells fargo employees that was working at the bank to get rid of me as a customer. She was my neighbor who harassed me and falsely accusing me of harasing her then she brought the problem into the bank. I have every right to be angry about the way I was treated, because I know I didn't harass her. The people who are replying to me are the bad employees like XXXX XXXX and they need to go. They are friends with her to be against me and this isn't right to treat a customer. That is why they keep denying me compensation. But I see the wells fargo in XXXX XXXX that XXXX XXXX demanded that I stay away from its closed. So that is karma for the employees who did this evil thing along with XXXX XXXX. So this was some form of justice without me receiving compensation for the pain and suffering.

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 2021-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PR

Complaint narrative:
My wife and I had a mortgage on a property which we are selling and is currently under a XXXX XXXX XXXX  which was signed on XX/XX/XXXX XXXX XX/XX/XXXX XXXX sent to NewRez, holder of the mortgage a check in the amount of {$120000.00} via Registered mail to cover the total amount outstanding as per their " pay Off '' statement sent by NewRez date XXXX XXXXWe received from NewRez a letter dated XXXX XXXX saying that they had applied to the payoff of the loan the payment sent, and that " As of that date your payment has been paid in full ''. They also included a statement of our payment history. 
Since then I have been on constant communication with NewRez in writing and verbally by telephone requesting that they send me the documents cancelling the mortgage and the cancelled original mortgage documents. To date I have NOT received the documentation requested but only various letters all of which state ; " We are working to gather the requested information and will forward it to you as soon as possible '' The first such letter was dated XXXX XXXX and the latest dated XX/XX/2021. 
The XXXX XXXX XXXX has had to be extended twice beyond its original expiration date due to the missing Mortgage Cancellation Documents, and NewRez has NOT given any reason for their delay in providing what we have requested and which we need to go to a closing on the sale of our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: OK

Complaint narrative:
This is me and I give permission to continue this investigation Equifax has violated the law on several occasions. With the following inquiries which appear on my consumer report ; which is, in violation of : 3. ) Violations of 15 U.S.C 1681a 2 ( i ) 4. ) Violations of 15 U.S.C 1681b 2 5 ) 15 U.S.C. 1681a 2 ( b ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, Late payments from XXXX XXXX  and XXXX XXXX is in violation of 3. ) Violations of 15 U.S.C 1681a 2 ( i ) 4. ) Violations of 15 U.S.C 1681b 2 5 ) 15 U.S.C. 1681a 2 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TX

Complaint narrative:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Opened Kohls charge card account XX/XX/XXXX Moved addresses XX/XX/XXXX XX/XX/XXXX, I updated new address with Kohl 's for statements via telephone XX/XX/XXXX, I never received a Kohl 's statement XX/XX/XXXX I called Kohl 's as I had not received a statement, Kohl 's told me that I did not change my address with them according to thier files and I was late on my XX/XX/XXXX statement. 
I again changed my address with them and paid the balance in full. 
I closed my Kohl 's account in XX/XX/XXXX. 
I find this affects my credit report XX/XX/XXXX I call Kohl 's customer service about this and they told me to file a report since they could not help me. 
I had this card from XXXX, never missed a payment until I moved and they did not forward and or I did not received. 
I would like this adjusted so my credit score can reflect my actual activity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I sent the following letter to NCA Collection Agency about 2 collection accounts that appeared on my credit reports. In the letter I asked to verify the accounts belong to me. I asked for Documentation to be sent showing I was the proper owner. I have given over 30 days for NCA to provide this information to me, which they have not done so. Therefore, I ask this to come off my credit report ASAP since it has damaged my chances to obtain credit. I have attached the delivery conformation verifying the date of delivery was indeed on XX/XX/2021. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation