vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
XXXX account was paid and was not in collections, this is only showing up on XXXX and XXXX. 

XXXX is a fraudulent account and was investigated by my bank and was shown as fraud. 

Navient is reporting multiple times and for several different amounts when these loans have been consolidated and put through the US department of education. 

XXXX XXXX credit card was lost or stolen and reported as such on transunion but the other bureaus have the wrong information. 

XXXX has inaccurate information for the last date active and it was filed under bankruptcy from the joint account holder. 

XXXX has inaccurate information reporting and multiple accounts with different balances. The information completely false. 

XXXX is reporting a 30 day late and the payments were never late for this account. 

Walmarts information is inaccurate and I canceled the card not XXXX. 

XXXX is reporting 90 days late and that is inaccurate information. All payments were auto drafted and paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX account was paid and was not in collections, this is only showing up on XXXX and XXXX. 

XXXX is a fraudulent account and was investigated by my bank and was shown as fraud. 

XXXX is reporting multiple times and for several different amounts when these loans have been consolidated and put through the XXXX department of education. 

XXXX XXXX credit card was lost or stolen and reported as such on transunion but the other bureaus have the wrong information. 

XXXX has inaccurate information for the last date active and it was filed under bankruptcy from the joint account holder. 

XXXX has inaccurate information reporting and multiple accounts with different balances. The information completely false. 

XXXX is reporting a 30 day late and the payments were never late for this account. 

Walmarts information is inaccurate and I canceled the card not XXXX. 

XXXX is reporting 90 days late and that is inaccurate information. All payments were auto drafted and paid on time.

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 2021-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
On XX/XX/21 I received an Escrow Account Disclosure Statement disclosing that my escrow account was short of XXXX. In the past whenever, I have had a shortage with my escrow I was given the option to pay the shortage to avoid my mortgage premium changing. I called and requested to pay the shortage and was told I couldn't and that my mortgage premiums would increase. In the past I have had shortages of over XXXX and was given the opportunity to pay to avoid this situation. I spoke with an employee ( Employee ID XXXX and he spoke to someone from the Escalation Dept. and they were not able to assist. I asked for policy to explain why they couldn't follow the procedures that most mortgage companies follow in the industry and couldn't find any additional information. It's a small amount, but in this COVID environment I am trying to ensure that my mortgage does not increase ; especially when it can be prevented.

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 2021-11-02 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. LVNV FUNDING LLC Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
i have a tax emption status when i bought my home. i qualified, over XXXX but in XXXX  amerihome mortgage sent me a bill for over {$400.00} dollars or more from what i was paying for last year. 
they did not give me any explation for rasing my mortgage pmt. only asked me to send in another letter from tax assessors office in XXXX XXXX XXXX, XXXX XXXX, tx. i called them after faxed the proof letter. i was told it was being process, get answer in 2 weeks. they never reduced my payments and ignored the exemption status. 
i feel the mortgage company is just trying get extra money from me on monthly payments. 
i m tired of calling them and bring problem to there attention. there customer service keeps making excuses and telling me they look into the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Today, XXXX XXXX, I received in the mail two unsolicited credit cards from Citi for one account. One of the credit cards bears my name. The second credit card bears the name of a person unknown to me.

I called the " customer service '' number on the card but the telephone tree demanded either my social security number or " the account number ''. When I refused to provide either, the recording told me to call back when I had the information.

Under " Billing Rights '' on page 16 of the statement, I am told to write a letter to the address found on the first page of the statement. There was no address on the first page. I could not find an address on any of the 16 pages.

I am concerned that an unsolicited credit card in my name could have fallen into the wrong hands and that Citi seems to think that I would authorize a card issued to someone that I do not know.

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 2021-11-02 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: TN

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the mentioned account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Paypal Holdings, Inc
State: OR

Complaint narrative:
XX/XX/2021 received notice via email of " charge of {$540.00} on PayPal account, needed to verify if transaction was valid ; if not, needed to call phone number listed, or no call, transaction would go through, '' Person listed from XX/XX/XXXX . Called phone number, person answering very difficult to understand his speech. I gave the PayPal account number, requested charge to be deleted, which was acknowledged.

I do not have a PayPal account, have never had one. He asked for name and other information to " verify account/transaction ; '' which I refused to give him, I told him this was a fraudulent call, that I was turning him into FCC/DOJ fraud site , then ended the call. The email used my correct email account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
About two weeks ago, I applied for a {$40000.00} used car loan at Pentagon Federal Credit Union. I am a salaried employee with my employer for over 16 years, my annual income is {$150000.00}, I have no debts other than revolving credit card that I pay off every month, and my FICO is over XXXX. I wanted the kind of loan where I receive a check that I can then take to a dealership, as I was still shopping for the car. I was informed that type of loan is a " pre-approved '' loan and that I did not qualify. When I asked why, I was informed that my denial was based solely on my zip code, that my income and creditworthiness were irrelevant. I asked why my particular zip code, as we live in a nice coastal area in XXXX California. I was told it is considered high risk, and that all of XXXX California is ineligible for a " pre-approved '' used car loan, regardless of personal circumstances.

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 2021-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
1. Closed account XX/XX/2019. Cashed cashiers check XX/XX/2019 from Wells Fargo. I was forced to have a inhereded IRA with Wells Fargo. 

2. I continually receive emails on account. 

3. Wells Fiasco has 43 indictments. Number of data breaches. From a privacy standpoint I would like all data and info deleted from their computers of my association. 

4. Called 5 times. Talked to over 15 neophites and no one know how to delete account information.

5. Called MN state AG. Well Fiasco sent a form letter no resolution. Called complaint company and they did not return call. The tape said they would return call in 24 hours.

6. Do I have the right to have my data and information deleted under the privacy act? I'm concerned that the data can be breached and I will lose my identity. Doesn't the consumer have the right to have his data and information removed?

6. Solve the problem. Sending the complaint to WF will get no where. What authority do you have and what are my rights to have my information removed?

7. WF created false new accounts from consumers. Now WF is keeping closed accounts open.

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 2021-11-02 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: OH

Complaint narrative:
I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that without consent, identity theft occurs, and I have a right to privacy : XXXX XXXX Dept. of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX 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 2021-11-02 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: OH

Complaint narrative:
I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that without consent, identity theft occurs, and I have a right to privacy : XXXX XXXX Dept. of Education XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have spoken with several representatives about my accounts being paid off. After submitting proof that the accounts were unpaid and disputing the accuracy of them. They were deleted, now theyve been reentered. I paid off 2 Suntrusts account after being told one of them was a BB & T. Now I was being told they both were Suntrust accounts. Both accounts have been placed back on XXXX XXXX. Suntrust was asked numerous times to place a stop payment and didnt. Attached are the two paid off accounts. I asked them to be removed twice already and theyre showing as Unpaid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
We purchased products from XXXX XXXX ( XXXX ) In XX/XX/2020. Items showed up damaged and order was incomplete in XX/XX/2020. Also company over charged us for items we did not order both products not received and damaged. Company charged us for shipping then claimed we were responsible to submit claim. However you can not file a third party claim for shipping. 

We have contacted and submitted information to Amex showing that XXXX committed fraud and violated consumer rights issues. As well as delivered damaged items and incomplete order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of XXXX I applied for forebearnce with Chase Credit Card Services due to Covid and impact to income. I spoke with Chase in XXXX, XXXX and XXXX of XXXX and was advised I was on forebearance and my credit would not be affected. Having my credit report run in XXXX of XXXX shows all late payments were reported to the credit agencies against what was advised by Chase bank. 

After speaking with 4 different people at Chase, with acknowledgement this was a Covid hardship situation. When I requested copies of the phone logs indicating these conversations took place I was advised I would have to supena the information. While this information was validated on the phone with 4 different departments, they would not provide the documentation to me. 

The intent of the CARES Act was to prevent this time of issue from happening during a world wide lock down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I have spoken with several representatives about my accounts being paid off. After submitting proof that the accounts were unpaid and disputing the accuracy of them. They were deleted, now theyve been reentered. I paid off 2 XXXX account after being told one of them was a XXXX XXXX  XXXX. Now I was being told they both were XXXX accounts. Both accounts have been placed back on Early Warning. XXXX was asked numerous times to place a stop payment and didnt. Attached are the two paid off accounts. I asked them to be removed twice already and theyre showing as Unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: MA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
unknown phone number XXXX text messaged on XX/XX/2021 " PayPal : An unknown device trying to access your account : location : XXXX IP adress ( sic ) : XXXX Navigator : XXXX  ( XXXX  ) Please confirm your information for security measures : XXXX  : XXXX/ '' I do not have a paypal account. 


Thank you

Company response to consumer: Closed with explanation