vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2020 i was garnished through my bank account i has revived two legal fees that day one for the said garnishment and XXXX for XXXX which i was given no reason i called the bank multiple times including corporate offices to get a different answer each time to find out after three days it was the bank who took the money. I then called the bank to ask why i was not informed of the garnishment and to which i was told they did not need to? After which i revived two letters from them at different times one stating that XXXX dollar fee would be charged to my account for this type of action if the available funds were there the other was a statement for my account stating that they overdrafted my account with the garnishment ( which is illegal in mi ) because they choose to take their fee 100 % befor taking the garnishment out. I have spoke with multiple people at different times asking to be reimbursed for the illegal action taken on my account to which i was told no they would do nothing they were in the right to do so. I then contacted my attorney and had them mail a letter asking to have this issue resolved after the three week dead line we have had no response from the bank by letter or phone to either my attorney or me. This just says to me that the bank can take your money even going against their own contract and not be held responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

Since XX/XX/2020 I have been disputing a dismissed bankruptcy with NO replies from any of the bureaus! I have sent a dispute on XX/XX/2020 and again on XX/XX/2020 and still have had no responses. This bankruptcy is old and obsolete and no longer legally exists.

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 2021-02-26 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing CONTINUOUSLY since XX/XX/XXXX, to have the dismissed bankruptcy removed from my credit report. I kept getting responses that the account was accurate however, it can't be since it no longer legally exists! On XX/XX/XXXX I still continued to dispute the Bankruptcy with the bureaus however this time, they never responded! I sent another follow-up on XX/XX/XXXX regarding the same item. To this day, XX/XX/XXXX, I have yet to get a response from the bureaus of what they are doing with my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: DISCOVER BANK
State: FL

Complaint narrative:
I have on my credit reports items that do not belong to me and I have no knowledge Of them and need them removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I contacted Bank of America on XX/XX/2020 because they had reported fraud to my XXXX XXXX report. They informed me I owed them no money so I asked why wear I reported for fraud? They hung up in my face. I repeated them to the CFPB on XX/XX/2020. A rep from BOA ( XXXX XXXX ) emailed me on XX/XX/2020 and said to get in contact with her. I tried with no avail! Left voicemails until her mailbox was full only to be emailed that my investigation was closed even though no one contacted me.

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 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: AZ

Complaint narrative:
I disputed my balance and/or past due amount are/is correct. I also Disputed My payment history/rating is incorrect in showing 21 % and me having 48 late payments reported by XXXX  with the dispute being completed on XXXX. Both were for my account with the MN child support agency. The conclusion of the dispute stated the information was updated. 

My Equifax payment history shop at 91 % and is stating I've missed one payment with the MN child support agency. I have documentation from the MN child support agency stating I am current on my payments and I am not in the areas on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/2020 because they had reported fraud to my XXXX XXXX report. They informed me I owed them no money so I asked why wear I reported for fraud? They hung up in my face. I repeated them to the CFPB on XX/XX/2020. A rep from XXXX ( XXXX XXXX ) emailed me on XX/XX/2020 and said to get in contact with her. I tried with no avail! Left voicemails until her mailbox was full only to be emailed that my investigation was closed even though no one contacted me.

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 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Contacted company in XX/XX/XXXX regarding loan extension, was told I had to pay for an extension, then was told I would be sent out a firm to sign to have an extension approved or declined, sent extension form back and received phone calls that extension firm was never received, this same scenario happened in XX/XX/XXXX and XX/XX/XXXX. Made a car payment in XX/XX/XXXX and Im now being told I owe the back amount for the extension that was requested. I have called the company several times and either I get transferred around to different individuals or the phone call drops.

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 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX, XXXX, 2019 my bill did not go through WELLS FARGO HOME MORTGAG - account with 2 missed payments. I am kindly requesting WELLS FARGO HOME MORTGAG to remove these missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-02-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Florida Pro Mortgage LLC
State: FL

Complaint narrative:
I am an employee of Florida Pro Mortgage and I want to file a complaint against the company and the broker, XXXX XXXX, for not protecting consumers and for teaching illegal way to do business. 

I have clients that are suffering loses, due to decisions or lack there of, by XXXX XXXX and Florida Pro Realty and I want him stopped before he does this to other people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX XXXX is attempting to collect a debt that XXXX XXXX stated is not owed. His billing service is closed and he is not seeking payment. He is not authorizing the collection company to proceed with any attempts to collect this debt. He is a partner in the practice and since left. He is also the provider named in the collection attempt. 

He can be reached at XXXX and will verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX Card, XXXX XXXX XXXX, and Nordstrom/TD Bank USA. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
XX/XX/XXXX-Forbearance resolution letter to Loan Depot. Asked for resolution by XX/XX/XXXX payment. 
No response XX/XX/XXXX -Sent follow up request in writing asking for a Deferral repayment plan. 

Letter dated XX/XX/XXXX but not received until XXXX ( Not received until XXXX XXXX denied request because you could only have one active assistance at a time. - Never had a choice XX/XX/XXXX Received loan modification papers. Interest rate was increased to XXXX from XXXX XXXX which we bought down XX/XX/XXXX. ) Phoned XXXX told VA set the interest and we could not adjust the interest rate. and we had to authorize the Modification or the offer would be with drawn. 

FAXed appeal letter on XX/XX/XXXX No response. ( they have 30 days to respond XXXX XX/XX/XXXX - Asked for VA confirmation. 

We are XXXX XXXX XXXX seniors living strictly on Social Security. Payments will increase by {$50.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
XX/XX/XXXX( Loancare ) is mortgage company, loan # XXXX, under name of XXXX XXXX XXXX XXXX. the problem is can not communicate with them, no one to talk to, are asking for late charges when payments are made 3 to 4 weeks in advance of payment date. Their statements to us are received after due date, we are using old statements & correcting the date. Just received statement today indicating we owe for two months, which we don't, but can't talk to anyone, only computer prompts. # 's to contact us at 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 2021-02-26 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Ally Financial and XXXX XXXX. The Account Opened is Ally Financial Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Recovery Service, Inc.
State: PA

Complaint narrative:
National Recovery has been harassing me via voicemails, emails and texts for a debt that was paid to XXXX XXXX in XXXX of XXXX. We sold this property back in XXXX and the bills were going to the wrong address. As soon as I received the bill in XXXX of XXXX, I called XXXX XXXX and they informed me to pay it on their website, which I did immediately. I have sent National Recovery proof of payment via email as well as texts. I called into their offices on multiple occasions and they always instruct me to email the proof, which I do. But THEY CONTINUE TO HARASS ME. 

Please see emails and texts attached.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2021 I received a new U.S. Bank ReliaCard, which I did not apply for. I have not activated the card. Unfortunately, I shredded the card without writing down the card number. I do have the sheet of paper that The card was attached to, and it has a bar code above my name and address, plus a 15 digit number : XXXX XXXX XXXX I have tried to reach a person at U.S. Bank but they are not taking calls about their ReliaCard right now. Without the card number I have no way to cancel this card except for not activating it. 

I do not understand how this card could be used fraudulently by whoever initiated a request for it. However, XXXX presents vague information about people trying to get undeserved federal Covid payments. Not knowing what information was used to apply for the card, I am concerned about 'identity theft '.

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 2021-02-26 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: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and JPMCB Auto. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is JPMCB Auto Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. The Account Opened is JPMCB Auto Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I had an account with Santander Consumer for a XXXX XXXX XXXX in XXXX. I barely had the vehicle for a year and the power steering went out multiple times. I kept having to take it to XXXX to get fixed using the warranty I had. Everytime I got it fixed it stopped working not even a week later. I got behind on my payments due to always having to rent a car or XXXX due to not having the vehicle. I tried to work something out and the repossessed the vehicle after a month non payment. Now santander has a lawsuit out for a loan forgiveness. They are trying to sue me for the XXXX that is owed even though the car is sold and has been since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card, XXXX XXXX XXXX, and XXXX XXXX  XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has stopped reporting my positive credit history to XXXX. This has caused my score to drop over XXXX points. I noticed that reporting stopped in XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Procollect Services LLC
State: ND

Complaint narrative:
Had several judgments filed and property seized without knowing what debt it was for or time period we awnsered on the third judgment and discovered bills from 15 or more years were being used to collect from me and my wife we have assists but vary little cash we are farmers these judgements are befor my wife even came to the us the bills for XXXX were a joint debt with my first wife XXXX its well past North Dakota statute of limitations as well the reporting to credit agency has stoped me from financing anything for planting and cost us to lose crops and opertunity of lower finance charges we want to settle this but feel we have paid the amount that was legally collectible and I have no way to audit money seized and applied please help us this hurting us XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: MN

Complaint narrative:
On XX/XX/2016 my account shows that it was 60 days past due. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with Equifax and the inaccurate report is still being reported on my credit report.

Company response to consumer: Closed with explanation